Whether your stay in a care home is temporary or permanent your local
authority must carry out an assessment of your needs to establish that you
require care in a care home before it can help you with the cost. Most
people will be expected to pay at least something towards the cost of their
accommodation and personal care in a care home from their income and
capital. The amount that you will have to pay will be determined by a means
test following the local authority's needs assessment.
The means test will look at what capital and income you have. Capital can be
in a variety of forms including savings, investments and property (such as
your own home). The capital value of your property will be based on its
current market value less any outstanding mortgage or loans.
If you have more than £23,250 in capital you will generally be expected to
pay the full fee, however if you are looking for temporary, or respite care
then the value of your own home will not count towards this figure.
If you are looking to move into care permanently however then the value of
your home will generally be taken into account as capital although there are
certain exceptions to this for example such as if your home is occupied by
your partner (husband, wife, or civil partner) or dependant children.
If your property is taken into account in the means test you may be able to
enter into a "deferred payment agreement" under which the local authority
will agree to provide funding as a loan to be repaid when the property is
sold at a later date. This could allow you to move into 'Name of the Care
Home' and begin to receive the care that you need whilst you are waiting for
your former home to be sold.