How can I get help from the local authority towards my care
fees?
Whether your stay in a care home is temporary or permanent
your local authority must carry out an assessment of your needs to establish that
you require care in a care home before it can help you with the cost. Most people
will be expected to pay at least something towards the cost of their accommodation
and personal care in a care home from their income and capital. The amount that you
will have to pay will be determined by a means test following the local authority's
needs assessment.
The means test will look at what capital and income you have. Capital can be in a
variety of forms including savings, investments and property (such as your own
home). The capital value of your property will be based on its current market value
less any outstanding mortgage or loans.
If you have more than £23,250 in capital you will generally be expected to pay the
full fee, however if you are looking for temporary, or respite care then the value
of your own home will not count towards this figure.
If you are looking to move into care permanently however then the value of your home
will generally be taken into account as capital although there are certain
exceptions to this for example such as if your home is occupied by your partner
(husband, wife, or civil partner) or dependant children.
If your property is taken into account in the means test you may be able to enter
into a "deferred payment agreement" under which the local authority will agree to
provide funding as a loan to be repaid when the property is sold at a later date.
This could allow you to move into Oak House Care Home and begin to receive the
care that you need whilst you are waiting for your former home to be sold.