If you're thinking about future care costs, you can start planning for what you may need to pay yourself.
Your care costs, or those of someone you look after, may pay towards:
- care and support while you are living at home
- care homes
- supported housing or extra care housing
- a direct payment so you can arrange your care and support
Will I have to pay for my care?
How much you will need to pay depends on your savings and capital (excluding the value of your home if you are still living in it).
If you have over £23,250 in savings and capital
You will not be eligible for payment from the council towards your care in a care home if your savings and capital are over £23,250. However, you can still ask the council to help you with the cost of your care and support if you are living at home.
This means you or your family would need to pay privately for care in a care home.
We recommend you seek independent financial advice to help you plan to pay privately for care in a care home.
You can make the arrangements for your care independently. If you need help, you can contact adult social care (Customer First).
Deferred payment agreements
A deferred payment agreement allows you to use the value of your home to pay for care in a residential or nursing care home or extra care housing.
Find out if you could be eligible to apply for a deferred payment agreement.
Under £23,250 in savings and capital
You may be eligible for help towards the cost of your care if your savings and capital (are under £23,250).
You can estimate care costs for yourself or on behalf of someone else with our care cost calculator.
If you're eligible to receive money from the council, you can manage your money and services through a personal budget. This is the money allocated by us to help meet your care and support needs.
You'll be asked to fill out a financial declaration form (AF1) to assess how much you will have to pay towards your personal budget.
You can arrange the money in your personal budget through a direct payment, or to be managed by the council.
If your financial circumstances change, please contact Customer First on 0800 917 1109.
If you think you're eligible for money from the council, read about how adult social care works.