Paying for care - non residential and residential care

Paying for care

This section covers:

 

Paying for non-residential care

You will have to have a financial assessment to see if you can afford to pay a contribution towards your personal budget.

What is a financial assessment and how will it be carried out?

  • This is an assessment to decide if you can afford to pay a contribution towards your personal budget or the services you receive that are funded by Camden.
  • To do this we will ask you for details of your income, outgoings and savings and then carry out a calculation to see if you can afford to make a financial contribution.
  • Many people do not claim all the welfare benefits they are entitled to so, as part of your assessment, we will also help you claim any extra benefits you are entitled to.

 

How will the financial assessment be carried out?

  • We will send you some forms to complete. If you are unable to complete these yourself and have no one who can help you, if you let us know, we can arrange for someone to assist you to complete them.
  • When we visit you to assess you for non-residential care services it is important that you complete the financial assessment form fully as this will inform the level of charges you have to pay.

 

Who may have to pay a contribution?

You will not have to pay a contribution if:

  • Your income includes one of the benefits below and you do not receive Attendance Allowance or the care component of Disability Living Allowance. (Income Support, Income Based Employment and Support Allowance, Jobseekers Allowance or Pension Credit Guarantee)
  • Your income is lower than the allowance we make for your living expenses and your savings are less than £23,250.
  • You are getting an aftercare service after a compulsory stay in a mental health hospital (usually called Section 117 aftercare).
  •  If you have savings or other capital over £23,250 you will be asked to pay the full cost of your services.

 

How do you work out if I pay?

  • To carry out an assessment we look at your income and work out an allowance for your living expenses. These amounts are then compared.
  • If your income is less than your allowance you will not be asked to pay.
  • If your income is more than your allowance then we will ask you to contribute any excess towards your total personal budget or care cost. The maximum you could be asked to contribute would be either your total personal budget or your care costs.
  • If you have savings or other capital over £23,250 we will ask you to pay the full cost of your service. It does not include the value of the home you live in or your possessions. If you own a second property it could include this.
  • Any savings under £14,250 are ignored and will not be used to work out how much you will contribute, but we will still need to see evidence of any savings.

 

If you require further information you can download the factsheet on Financial contributions for non residential care services or you can contact the Adult social care, Access and response Team by calling 020 7974 4000 (Option 1). 

Charges for residential care

If you need to stay in a residential or nursing home, you will need to pay towards the cost.

Why do I have to pay towards residential or nursing care?

  • We will arrange your stay with the residential home and pay for your stay but we ask for a contribution towards the cost of this.
  • The charge for these services is set down in law and the Government issues guidelines about what we can charge and how we do this.
  •  Before you move to a care home, your care manager will have explained that you will have to pay a charge.

 

You will have to pay a charge in:

  • a residential home provided by a local authority, or by private and voluntary sector providers
  • a nursing home if you have nursing needs that a residential home cannot meet.
  •  You will have to pay a charge whether your stay is temporary or permanent.  

 

You have to pay a charge in every type of care home, unless the following circumstances apply to you:

  • if you have an emergency placement for less than seven days
  • your stay is completely funded by the health services under continuing nursing care arrangements
  • you are getting an aftercare service after a compulsory stay in a mental health hospital (usually called Section 117 aftercare).

 

What is a financial assessment and how will it be carried out?

  • We have to do an assessment to decide what you can afford to pay towards the care services you receive.
  • To do this we will ask you for details of your income and savings and then calculate how much you can afford to contribute.
  • Many people do not claim all the welfare benefits they are entitled to, so as part of your assessment, we will also look at what other benefits you should have and help you claim any benefits that you are entitled to.

 

For more detailed information about the financial assessment process, download the factsheet on Charges for residential and nursing care. Alternatively, you can contact the Adult social care, Access and Response Team by calling 020 7974 4000 (Option 1).

 

 

 

 

 

 

 

 

 

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