There are three ways that care in your home, or in a care home, may be paid for:
Some care and support services are provided free of charge but you may need to pay for other types of services. See Hampshire County Council information on which services you might have to pay for.
The cost of care delivered in your home by a home care agency (sometimes called a domiciliary care agency) depends on the level of care you need. As a rough guide, the average cost of a home care agency for a self-funder in the Hampshire County Council area is £20 per hour*.
If you employ a Personal Assistant yourself, you could expect to pay £11 to £15 per hour.
The costs of care homes vary greatly and will depend on whether it is a residential home or a nursing home, whether you have a single or shared room, whether you have an en-suite bathroom and many other factors.
As a rough guide:
* Source: Fees paid by self-funders: LaingBuisson surveys of care homes 2017
Firstly, your local authority will need to carry out an assessment of your care needs. If you have ‘eligible care needs’ that qualify for help from your adult social care department, they will then carry out an assessment of your finances.
The financial assessment is a detailed process and every case is assessed individually. Below is a general guide.
If you have:
* The value of your home is taken into account if you are being assessed for residential care. There are times when the value of your home is not taken into account, such as a temporary stay in a care home or if a dependent relative lives in your home.
For more information:
You may be eligible for funding through a health fund called NHS continuing healthcare. This is care that is arranged and funded solely by the NHS for individuals who are not in hospital but have been assessed as having a ‘primary health need’. There are very high eligibility criteria for this payment.
If you think this may apply to you, you should speak to your doctor or district nurse.
If you are not eligible for NHS continuing healthcare, but
you may still be eligible for NHS-funded nursing care. The NHS pays a flat rate directly to the nursing home towards the cost of your nursing care. It won’t pay for the other care home costs, such as the accommodation.
It is against the law to intentionally give away or decrease your savings or property (your assets) in order to avoid paying your care fees. Local authorities will only fund care after a thorough financial assessment and they can refuse to fund care if they believe that ‘deprivation of assets’ has taken place. Read more about deprivation of assets
The idea of selling your own home to pay for the cost of a care home is something which concerns most people. An independent financial adviser will be able to discuss your situation with you in detail.
Paying for care can be an expensive and open-ended commitment. If you are paying the full cost of care yourself, you should seek independent financial advice. Look for a financial adviser with specialist qualifications on advising on the funding of long-term care. They will be able to explain all the costs and risks involved and should be able to help with other things such as setting up a Lasting Power of Attorney.
If you are currently receiving
The Money Advice Service gives advice about all aspects of paying for care. Telephone 0300 500 5000.
The Society of Later Life Advisers (SOLLA) is a not-for-profit consumer organisation that aims to assist consumers and their families in finding accredited independent financial advisers who understand financial needs in later life. Telephone 0333 2020 454.
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Page Reference: Paying for care