Working out how much you pay

What you pay will depend on the care and support you need, who provides it and how often you need help.

Online financial assessment

The online financial assessment calculator will give an early indication of how much you will pay towards the cost of your care. Please note that the actual figure may vary once we have checked the information you have provided.

It’s easy-to-use and can take as little as 10 minuets to complete.  

You will need information about your income, expenditure, and savings. There’s lots more information on the calculator explaining how the cost is calculated, what you might need and more.  

If you are filling in this form on behalf of someone and you have Power of Attorney, Deputy or Appointee status, please add scanned photos or documents as evidence of this at the end of the form.

Once you submit your form, a Financial Assessment Officer will review the details and confirm in writing the outcome of your financial assessment.
 

What happens during a financial assessment

During a financial assessment the Client Finance Team will look at your savings, household costs and benefits and work out how much, if anything, you will have to pay towards the costs.  
We will see if you have savings:

• Above £23,250, this means you will pay the full costs of your care and support. You will be referred to as a self-funder.
• Under £23,250, this means you will probably have to pay something towards the cost of your care and a means test will be required.

We encourage you to take part in a financial assessment to see the best way to pay for the care you need. However, if you do not want to share your financial details with us, you must pay the full cost of your care and support. 
Find our Charging Policy 2024-2027 here. 
 

What information you will need

• Copies of your most recent bank statements (3 months).
• Your National Insurance number.
• Details of any income, assets, and pension payments you receive.
• Details of essential expenditure, such as rent, mortgage, council tax and disability related expenditures.
• If you are completing this form on behalf of someone else, you will need to know their personal details (this includes their address and contact details) and their consent to contact us on their behalf.

What we will consider

We will look at how much income you're receiving from:

• Disability or other benefits.
• Pensions (including any Occupational Pensions)
• Savings, ISAs, Premium Bonds, or other investments.
• Earnings.

We'll also consider other capital assets you may have, including the value of your home (if you are moving into residential care), second properties, holiday homes, businesses etc.

Who doesn’t pay for care

In some cases, you will not need to have a financial assessment, and you won't have to pay towards your care and support.
 
 You will not have to pay if you:

• receive support from Intermediate Care or Reablement Services, for example if you have a short period of care to help you after a stay in hospital.
• Are receiving care and support under Section 117 of the Mental Health Act 2007.
• Are receiving care and support under Continuing Health Care (CHC) funding by the NHS.
• Have needs which can be met by equipment or a minor adaptation, to help you to continue living at home.