Paying for adult care and support

Once you've had a needs assessment and we've agreed you're eligible for support we'll work out your personal budget, which is how much we think it will cost to buy the care you need.

How much you pay

Depending on your situation, you may need to pay towards the cost of your care and support, or pay for it in full. We'll work out how much you'll have to pay towards your care using a financial assessment. We'll ask you about your savings, investments and income. If you have more than £23,250 in savings and investments you'll have to pay the full cost of your care. We don't include the value of your house in the assessment unless you're moving into a care home.

Our client financial services team will talk you through the financial assessment process and explain how your care and support charges have been worked out. Find out how the assessment is carried out and what is taken into account in our fairer charging policy.

Download Fairer charging policy [PDF, 284KB]

You should get independent financial advice to help you decide how to pay long term care costs and make sure you're claiming all the benefits and allowances you can.

Paying for your care

If you need to pay for your care and support we'll tell you:

  • how much we'll pay towards your care
  • how much you need to pay
  • how you pay it

We can arrange and pay for your care and support for you, and send you an invoice for the amount that you have to pay. Or you can choose to arrange the support you need, and receive the money from us as a direct payment to pay towards the cost.

If you're moving into a care home, you might be able to use the value of your home to help pay your care costs using something called a deferred payment. We help to pay your care home bills now and you repay us later when you decide to sell your home, or we can be paid back after your death.

Cap on care costs

From 2020 the government plans to introduce a cap on the cost of care. This means there will be a limit on how much people pay for their care in their lifetime.