Care Costs Explained
Care costs can be confusing, and we understand that financing your care requires some forethought and discussion.
We are experts in the options available to fund your care in your own home. Together with you, we create simple cost plans that take into account your financial situation and will talk you through any funding options that may be available to you.
Whether you need long or short term help, are considering live-in care, care on an hourly basis in the day or at night, we can help.
Our fees are fully inclusive, with no hidden charges, and include care provision 365 days a year. Plus, our on-call care managers are available 7 days a week from 8am to 9pm.
Local authority funded care
You will need to contact your local authority so that they can carry out a free needs assessment to assess your eligibility for care. If you are assessed as being eligible, the next step is for a financial assessment to be carried out to calculate how much you will need to contribute to your care costs.
There are thresholds for assets and savings, which may mean you will need to pay for care. The upper limits in 01255 421621 are:
In England: £23,250
In Wales: £24,000
In Northern Ireland and Scotland: a financial assessment does not apply, as personal care at home is free to people who are assessed by their local authority as needing it.
Even if you choose not to apply for support from your local authority, it can be beneficial to go ahead with a needs assessment because your local authority representative will be able to talk you through the range of services available to meet your needs. For example, occupational therapy or physiotherapy services can still be accessed free of charge even though you may not apply for funding for your care.
You will be responsible for paying for your own care at home if you:
have assets and savings above the upper limits for care
are not eligible for local authority funding because your needs are not found to be sufficient following an eligibility assessment.
NHS funded care
NHS Continuing Healthcare provides funding for people who need care on an ongoing basis outside of hospital if they have complex medical care needs due to disability, accident or a major illness. This funding is not means tested.