Paying for residential care

If after your needs assessment it’s decided that you need residential care, we may ask you to pay a contribution towards the cost. 

To work out how much you can pay, we’ll carry out a financial assessment in accordance with the Care Act 2014.

The amount we ask you to contribute will depend on your capital, assets, income and savings, and also which benefits you receive. This will include the value of any property that you own.

What happens during a financial assessment?

The financial assessor may need to see proof of your income and savings, so please have this information available, for example, saving account books, benefit books, bank statements and share certificates. You can have a relative, friend or other representative with you during the assessment.

If you would like to be supported by an independent advocate at any point during the assessment process please contact Healthwatch Liverpool.

We will write to you after the assessment and tell you how much you will be asked to pay. We will re-assess you each year to re-calculate the amount. If your circumstances change before the year is up, we may ask to make a re-assessment.

What if I don’t agree with how much you ask me to pay?

If you do not feel that you should pay the amount requested, either because you think that it has been wrongly calculated or because you cannot afford the payments, we’ll arrange a review to look at whether the charging policy has been applied correctly.

If after the review you still aren’t happy with any aspect of the decision you may use our complaints service .

What happens if my financial circumstances change?

If your circumstances change you should contact the financial assessments team who will check that you are paying the right amount. A yearly review of the amount you pay will also be carried out when benefit rates change.

Can I refuse to have a financial assessment?

If you don’t want a financial assessment you’ll be classed as a self-funder (see below). We’ll write to you to explain the charges.

Self-funders

If it’s found that you have enough income, savings or assets to meet the full cost of your care, you’ll be asked to fund yourself and will be classed as a ‘self-funder’. If you are a self-funder it is also likely that you will be eligible for a deferred payment agreement.

We’ll also need to be satisfied that you, a family member or representative, can make the contractual arrangements with the care home you have chosen. We are happy to help you find a care home.

If, in the future, you need help paying your bills, we will carry out a new assessment to find out if you qualify for financial support from the council.

If you would like to be supported by an independent advocate at any point, please contact Healthwatch Liverpool.You might also wish to get independent financial advice about how to fund your care.

Methods of payment

You will pay your charges directly to the home. The home administrator or your financial assessor may be able to assist you with this.