Paying for your Social Care
From October 2023, changes to Adult Social Care will affect financial assessment and how much you have to pay for your care. There is more information about what will change and how this will affect you on the Department of Health and Social Care website.
We will update this webpage closer to the time.
- Where to get independent financial advice
- Consider making a lasting power of attorney (LPA)
- Paying for care and support
- What you won’t have to pay for
- Your financial Assessment
- If you need permanent care in a care home
- If you need care in a non-residential setting
- Reviews and changes to your circumstances
- How to pay your care charges / Debt recovery / Fraud
- Self funding your own care
If you need care in a non-residential setting
This section applies if you need care in your own home or in community based settings such as extra care housing, supported living accommodation or in Shared Lives arrangements. It applies even if you sometimes need a short break or respite care in a care home.
If you own your home, we will not include the value of your home in your financial assessment for non-residential care. We may take the value of your home into account if you need temporary care in a care home for more than 52 weeks.
We will not leave you with less than the government minimum income allowance for daily living costs after paying for your care.
Notice periods and charges if you cancel your care
We will continue to provide support and charge you for it unless:
- you tell us that you don’t need it, or
- you are assessed as no longer being eligible for support.
Please contact the Adult Helpdesk and give us two weeks notice if you are going to be away and won’t need support, for example if you will be on holiday or have a planned hospital admission. We will cancel your support while you are away.
Please note that cancellation will not reduce your charges unless cancellation reduces the actual cost of your care to below your assessed charge. This is because the amount you pay only covers part of your care costs.
For example, George pays £100 per week towards care which actually costs £630 per week (£90 a day).
If George is away for 2 days, his care for the remaining 5 days will still cost £450 so George will still have to pay £100 for his care that week.
But if George is away for 6 days, his care for the week will only cost £90 (1 day) so George will only pay £90 for that week.
If you live in supported accommodation and you share care arrangements with people that you live with, you must still pay shared care costs while you are away. This is because your placement and the care services that support it have to continue while you are away.
If you need a short break / respite care in a care home
We will not include the value of your home in your financial assessment if you sometimes need a short break or respite care stay in a care home. We may take the value of your home into account if you need temporary care in a care home for more than 52 weeks.
We will make allowances for your essential ongoing living costs while you are in temporary care unless these are covered by benefits.
If you receive benefits, there are some things you must do to avoid overpayment while you are in respite care.
You must tell the Department for Work and Pensions (DWP) so that they can adjust your entitlements. For example, Personal Independence Payments, Disability Living Allowance and Attendance Allowance will stop after four weeks in care.
You must also tell your local council if you receive benefits for Housing and / or Council Tax. These may be affected if you stay in a care home for more than 13 weeks.
Your partner’s benefits or benefit entitlements may also be affected while you have a short break or respite care. Partners should talk to:
- the DWP about benefits they may be entitled to
- your local council about a council tax reduction if they will be living alone while you are in temporary care.