Self-funding your care and support

Paying for care is a long-term commitment and you will need to be sure that any arrangements put in place are affordable. 

It is important to be able to access quality, specialist advice to be able to plan and finance care arrangements in later life. These organisations may be able to help you.

• Society of Later Life Advisers (SOLLA) website  - find an adviser with the right knowledge and expertise to advise people planning their care
• Unbiased.co.uk website - details of regulated independent financial advisers

If you need to go into a care home and you

• have savings or assets worth more than £23,250 or;
• your weekly income is enough to meet the cost of your care

It is likely that you will be expected to fund your own stay.  

If you think you may need financial help from us we will need to carry out an assessment of your needs.

If you have savings or assets over £23,250 (excluding the value of your home but including any other property) you are responsible for funding your own care. 

If you know roughly what care you would like to arrange, we will offer you the services of our care navigator service. They will be able to assist you in arranging any care you may require. 

Our policy and charges are explained in more detail in our Non-residential care charging policy. 

You may be able to get financial help by applying for attendance allowance. See the GOV.UK website for more details. 

If you are not sure what care you might need and would like to discuss your care and support needs in more detail, you are entitled to a care assessment. This is regardless of your financial situation. 

If you have significant and complex health needs, you may be able to get continuing healthcare funding from the NHS. 

You must be assessed by a team of healthcare professionals to find out if you are eligible. They will look at all your care needs and relate them to: 

• what help you need 
• how complex your needs are 
• how intense your needs can be 
• how unpredictable they are, including any risks to your health if the right care isn't provided at the right time 

Everyone is financially assessed to ensure that they can afford their contribution towards their care and support. 

However, if you are having difficulty paying for your care and support, or your circumstances have changed, it is important you let us know as soon as possible so we can agree a plan. 

We can arrange a further financial assessment if necessary or help signpost you to debt advice.  

To discuss, contact us on Care Connect at 01275 888801.