Some services we provide are not free for everyone – the amount you have to pay depends on how much you can afford.
Paying for day services OR for support at home
If you go to a day centre or have support at home you must fill in a form that states your financial position so that we can work out how much you can afford to pay. This is done under the fairer charging policy which is designed to make sure that you only pay what you can afford to. A member of the Fairer Charging visiting team will meet with you to help you to complete this form. They will also help you claim any benefits you may be entitled to. The documents section provides information about the Fairer Charging Policy and how it affects you.
Paying for residential and nursing home care
If you have been assessed as needing residential or nursing home care you must fill in a form about your financial position. You will have to provide evidence of your finances, such as bank statements and share certificates etc. This lets us work out how much you can afford to pay.
How much will I have to pay?
When you have completed the financial assessment, we will let you know through your care manager how much you are assessed to contribute and how we have worked it out:
- if you have savings/investments over £23,250 you will pay the full amount for your residential care.
- if you have savings/investments under £23,250 we calculate a charge of £1 for every £250 above £14,250. We now add this amount to your income for the next set of calculations.
- if you have savings/investments of less than £14,250 this will not affect the next set of calculations.
After looking at your savings, if you do not have to pay the full charge we then go on to look at your income. Generally people keep £23.90 a week for personal expenses such as newspapers, toiletries and sweets. This amount is set by the Government and may change each year. Some people may be entitled to more than this, depending on their income.
For the first four weeks of a permanent stay in a residential or nursing home you will still be entitled to benefits such as Attendance Allowance, Disability Living Allowance, or the Severe Disability Premium part of Income Support or Pension Credit. We will take these benefits into account in your assessment of contribution for the first four weeks. If you are paying the full cost of your care yourself, you can continue to collect Attendance Allowance or Disability living Allowance.
In April each year, the Government increases the amounts they pay in state benefits. We will carry out a financial review for you each year, between April and June. We will then tell you how much you need to pay towards your care. If your financial circumstances change before we carry out the review, you should write and tell us.
What will I have to pay if my needs change?
If you have recently been given a medical assessment which states you need to move from residential to nursing care, you will be moved to a suitable home where qualified nursing staff can look after you. Your contributions for nursing care will remain unchanged.
There would be no increase in your contribution either if you were moving from an older person’s residential home to a home that caters for people who need different care because they are elderly mental infirm (EMI).
Paying for extra care housing
There are three parts to the cost of extra care housing:
- the cost of renting your accommodation
- the service charges
- your support costs
The amount of rent, service and support charges you pay will depend on the size of your flat and the services you have been assessed for. You may be eligible for help with some of these costs. To find out more, contact us on 0113 222 4401.
Deferred payment scheme
This scheme can allow you to put off the sale of your house if you go into residential or nursing home care.
If you are in a care home and we take account of the value of your property, we will class you as having over £23,250. This means you are responsible for paying the full cost of your stay in a residential or nursing home. However, you may not be able to do this if you are not able to sell your property immediately or if you decide that you do not wish to sell your property.
We may be able to help people in this situation by offering the Deferred Payments Scheme (the Council has discretion whether or not to offer this option). This can help with paying your care-home fees. However, this money is a loan so you will have to repay it. The loan is secured by a ‘legal charge’ on your property (like a mortgage). This means you cannot sell your property without us reclaiming the amount we lent you.
Are there any fees?
During the client’s life time, this loan is interest free. Interest will be added 56 days after the client’s death or the agreement is ended. This is charged at 2% above the Bank of England’s base rate. Repayment of the debt including interest is due within a year of the client’s death. Other charges are made of £70 for Land Registry fees and £75 for legal and administration costs.
How can I find out more?
For more information on all these schemes and options, you should speak to your social care manager or call us on 0113 222 4401.
How do I pay?
If you are in an independent residential or nursing home, you will pay your weekly assessed contribution to the home directly. They will inform you how to do this and how often. If you decide to live in a residential home provided by the local authority, you can receive a bill every 3 months. Some people choose to pay their contribution directly to the home either weekly or monthly, you can decide which you prefer.
For Home Care and Day Care, and meals provided, a bill will be sent to you, either monthly or 3 monthly depending on the amount you are assessed to pay. There is information on the back of your bill about how to pay.
Independent Financial Advice
We recommend that you get independent advice about funding your residential or nursing placement. The council is only able to give information about charging, not advice about the most favourable option for you personally.
There are private companies that offer funding options for residential/nursing care to people with assets.
You may wish to get advice from Age UK or the Society of Later Life Advisers (SOLLA). They may offer an advantageous alternative to Local Authority funding in some cases. The website links are on the right.