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Paying for care

Financial assessment and contributing towards cost of care

Paying for care

The Care Act states that the local authority may make a charge for meeting a person's care and support needs. Following a needs assessment if a person has eligible care and support needs they may need to have a financial assessment. A financial assessment determines how much the person will contribute towards the costs of their care.

ASC can arrange a person's stay in residential or nursing care, however, they may be required to pay a contribution towards their care. A financial assessment will need to be completed, and if the person has savings over £23,250 they will be required to pay the full cost of their stay. 

Individuals are required to pay whether they are in a:

  • residential home provided by the Council or private and voluntary sector providers
  • nursing home

Individuals will not pay if:

  • they have an emergency placement for less than 7 days
  • health services are funding the care under continuing nursing care arrangements
  • the individual is entitled to section 117 aftercare

Choice of Accommodation and Additional Tops ups

An additional payment (top up) is when extra money is needed to fund the difference between the value of an individual’s social care personal budget and the cost of their chosen accommodation setting. The payment may be required where the chosen accommodation costs more than the amount in the personal budget.

If a person chooses a care home that costs more that the Council has agreed to pay they can opt for 'third party top up'. A relative, family or friend could pay the rest if they wish to do so. 

Further information on top ups can be found in the Choice of Accommodation and Additional Payments (Top Ups) Guidance.

Further information on paying for residential care can be found in the charges for residential and nursing care guidance.

Last updated: 05 June 2024