Paying for Care

Are you comfortable with how you are intending to fund the cost of your care? If not, before you make any financial commitments you should take some expert advice.

Assets over £21,000
Generally, if the total assets of the person requiring care, including the value of their house, are more than £21,000 - the actual thresholds differ slightly across England, Scotland, Wales and Northern Ireland, but they are all around the £21,000 mark - they will almost certainly have to fund their own care.
In this situation, before making any financial commitments, they should take expert advice. Care can be very expensive and there are ways they can mitigate this cost and pay the fees in an efficient way.

Independent Financial Advisers
Any Care maintains a panel of carefully selected independent financial advisers, each one of whom is experienced, highly regarded and an expert in care fees planning.

Free Advice
To receive free advice with no ongoing commitment from the most appropriate member of this panel please click here.

Assets less than £21,000
On the other hand, the total assets of the person requiring care, including the value of their house, are below this approximate £21,000 level, the state will help pay the costs of some or all of your care. In this is the case, we recommend you call your local Social Services - they specialize in providing help and advice in exactly these circumstances. A social worker will discuss your situation with you and provide you with all the help and advice you will need.

Some benefits, such as attendance allowance, are not means-tested. Your local Social Services will also be able to advise you how to claim for these, regardless of the value of your assets.

The Direct Gov website has contact details for your local council.