What you may have to pay for your care and support
1. How we work out what you will pay
Most people have to pay towards the cost of their care and support. Many people have to pay for all of their care. We may pay the difference between what you pay and the total cost of your care if:
• we agree the care you need
• you can’t afford it
The amount of money that we can pay towards the cost of your care depends on your financial situation. This includes:
• your income
• savings and investments
• property you own
• essential regular costs
You’ll also need to pay for some services such as meals on wheels and personal alarm systems.
For more information about the cost of your care, read Information about Bristol City Council Care and Support charges (pdf, 242k) (opens new window). To find out more about your costs, email us at email@example.com, call us on 0117 903 7706 or write to us at Client & Carer Financial Services (Parkview), Bristol City Council, PO Box 3176, Bristol BS3 9FS.
2. How savings change what you will pay
The amount of money you have in savings or assets such as premium bonds or shares affects how much we’ll ask you to pay towards the cost of your care. You’ll always have to pay a contribution from your income, unless the service you receive is exempt from a care and support charge.
You’ll need to pay for all your care and support if you have more than £23,250 in savings and assets.
If you have less than £14,250 savings and assets, we won’t include them when we work out what you will have to pay towards your care. We’ll only include your regular income.
3. Living at home: work out what you might have to pay
You can work out how much you might have to pay towards the cost of care in your own home using our online Support Plan Costs Assessment Form.
This will give you an idea of your weekly costs, but it won’t be the final amount.
To find out more about your costs, email us at firstname.lastname@example.org or call us on 0117 903 7706.
4. How moving into a care home may affect a home you own
If you need us to give you financial support and you own your home, you might need to sell it to pay for your own care.
There are times when you won’t need to sell your home, including:
• you normally live there and have only gone into a care home for a short stay
• your partner or former partner still lives there, unless you’re separated or divorced
• one of your family is over 60 or need care themselves, as long as they were living there when you went into the care home
• in some circumstances if your carer gave up their own home to live in your home to care for you
Your home shouldn’t be affected if you go into a care home for a short stay of up to 12 weeks. We may be able to give you a weekly allowance for some of your domestic expenses such as rent, mortgage payments, council tax, water and sewerage rates, gas, electricity and telephone.
We only include the value of your home in your finances:
• 12 weeks after you permanently move into a care home
• or from the date you sell it, if this is within the first 12 weeks
We won’t include the value of your home if your savings and assets fall below £14,250 within those 12 weeks.
You may be able to use the value of your home to help pay care home costs without selling it. Find out more about deferred payments
Elsewhere on the web
- Department for Work and Pensions on GOV.UK Go to https://www.gov.uk/government/organisations/department-for-work-pensions (opens new window)
- Bristol NHS Clinical Commissioning Group Go to https://www.bristolccg.nhs.uk/ (opens new window)
- Local authority funding for care costs - do you qualify? Money Advice Service Go to https://www.moneyadviceservice.org.uk/en/articles/local-authority-funding-for-care-costs-do-you-qualify (opens new window)
- Self funding your long term care - your options - Money Advice Service Go to https://www.moneyadviceservice.org.uk/en/articles/self-funding-your-long-term-care-your-options (opens new window)
- Funding care on NHS Choices Go to http://www.nhs.uk/Conditions/social-care-and-support-guide/Pages/funding-care.aspx (opens new window)
- Benefits entitlement on GOV.UK Go to https://www.gov.uk/browse/benefits/entitlement (opens new window)
- Money Matters on Age UK Go to http://www.ageuk.org.uk/publications/money-matters-publications/ (opens new window)
- Advice West website Go to http://advicewest.org.uk/ (opens new window)