Choosing a Care Home
If you need residential or nursing care, we will help you choose a home that meets your needs. We will offer you a choice of homes that accept our current contract price and help you make arrangements to move into the care home.
More Expensive Care Homes and Top-Up Agreements
If you do not accept the home we offered you, but choose a care home which costs more than we can pay, a relative or friend can agree to pay the extra. This cost is on top of your contribution. It is the difference between the amount we would usually pay and the actual care home fees. It is called a third party top up.
Third Party top-ups - more Information
Will I have to pay?
Most people moving into a care home will have to contribute towards the fees. How much you contribute will depend on the amount of savings, income and assets you have.
There are three main exceptions to this:
1. If the NHS is paying for your care home in full. This is called Continuing NHS Health Care.
Continuing NHS Healthcare
2. If your place in a care home has been arranged as part of a package of “Intermediate Care” where you are having short term therapy or treatment, either following a hospital stay or to avoid having to go into hospital for a period of up to six weeks.
3. If you are getting after care under section 117 of the Mental Health Act 1983
Section 117 of the Mental Health Act 1983
We will tell you if you fall into one of these categories. Your benefits may be affected when your Care Home is funded in this way. You should contact the Department for Works and Pensions (DWP) for advice as soon as you go into the Care Home to avoid being overpaid.
Department for Works and Pensions
In all other cases there are two categories:
a) You will have to pay the full cost of your care if your saving and assets are more than £23,250* or your weekly income (including any tariff income) is more than the cost of your care home.
- The value of any property you own may be treated as capital to calculate your charge
- If you have any savings and assets we will treat you as a self-funding client and will normally ask you to enter into a contract with the care home directly
- If your assets are tied up in a property which you either do not wish to sell at the present time or you are arranging to sell, we can enter into a deferred payment agreement with you. This is like a loan which enables you to meet the cost of your care home and any money paid by the council is paid back once you sell the property or leave the care home.
b) If your weekly income is less than the weekly cost of the care home and your savings and assets are less than £23,250*, we will help you financially.
- You will need to contribute towards the cost of your care
- We will complete and a financial assessment to calculate how much you can afford to pay each week
- We have to take into account any pensions or wages you receive
- Pension Credit
- Income Support
- and any extra social security benefits you may be entitled to claim for your stay in the home
- We do not count Disability Living Allowance or Attendance Allowance as part of your income
You will need to claim all the benefits you are entitled to make your contribution.
How to get in touch
You can contact the Financial Assessment Charging Team directly on 020 3373 1184. They are available Monday - Friday 9am to 5pm