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  5. Leaflet: What you will need to pay towards the cost of your care and support

Leaflet: What you will need to pay towards the cost of your care and support

Summary

How we work out what you have to pay towards your care and support.

2021/22 edition (IL02)

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Information and advice is always free

If you ask us about care and support services, we will always give you as much information as we can. Even if you don’t qualify for our help, you can ask for an assessment of your needs. There is no charge for our advice, leaflets or information


When you have to pay

You do not have to pay for an assessment of your needs. For more information on what happens in a social care needs assessment, see our factsheet: Who qualifies for our support?

However, if your social care needs assessment identifies that you are eligible for some support from us, it’s likely you will need to pay towards that support. Most people pay some or all of the costs of their care.

The amount you will pay will depend on your circumstances. We work out how much you need to pay by carrying out a financial assessment. We call the amount that you pay your 'client contribution'.

If Adult Social Care is arranging your care and support, either in a non-residential setting or in a residential or nursing home, any contribution you are assessed to pay will apply from the date your care starts.

If your care and support starts before your financial assessment is complete we will try and arrange your financial assessment in good time so that any charges you incur are not backdated for significant periods of time, which will help you budget.


Financial assessments

After your social care needs assessment you will be told what your personal budget is. Your personal budget is the total amount it might cost to meet your eligible care and support needs. The budget includes the amount you are assessed as able to contribute yourself.

The financial assessment completed for you will depend upon the type of care you are going to receive. Our factsheets ‘Financial assessments for care and support other than in a care home’ and ‘Financial assessments for residential care’ provide full information on what is taken into account.

These factsheets are available by contacting ASC Financial Services on 01323 464 699.

What is taken into account?

If you have more than £23,250 in capital and assets you should tell us about this as soon as possible as you will have to pay the full cost of your care and support.

If you have less than £23,250 in capital and assets we will work out how much you need to pay towards your personal budget by looking at your capital and assets, income and outgoings.

What is ‘capital’?

Throughout this leaflet we will use the term ‘capital’ to describe financial assets (savings or investments) or the financial value of assets, such as cash and funds held in savings or current accounts, as well as buildings or property, land, Premium Bonds, stocks and shares and any investments or trust funds that you have, as well as capital held in investment bonds.

  • We will not take the value of your property into account while you are living in it and receiving care and support in your own home.
  • If you are going in to permanent residential or nursing care then we may include property or land you own, including any you occupy, as available capital in the financial assessment.
  • If you own a second home, or other property or land, we will take that into account.
  • If you have more than £23,250 in capital and assets including any property or land that you own, you will not be able to get financial help from us and will have to pay the full cost of your support.
  • When your capital and assets fall below £23,250 you can ask us to review the amount you pay.

We will provide more information about this during your financial assessment.

How we complete your financial assessment

We will contact you to discuss the type of financial assessment you will need. The assessment can be completed in a number of ways. You may be contacted by phone to discuss the best way for you, or you can start your own assessment using our online financial calculator.

We will need to verify the information that you give to us and you will need to provide documents to complete your assessment.

We can also provide information and support you to apply for any state benefits you might be entitled to.

What is included in a financial assessment?

The financial assessment takes account of:

  • capital and assets
  • any investments and property, including land you own
  • any income you have from pensions and benefits
  • any extra expenses you have because of a disability or condition. We called this disability-related expenses (DRE).

We always ask for evidence to support the information you tell us about.

Once we have looked at your finances, we will explain:

  • the contribution per week you need to make towards your care and support
  • how we worked this out
  • the different ways you can pay your contribution for care and support

If you are unable to provide us with the required information, you may need to pay for the full cost of your care until the assessment can be completed.


Other care you would need to pay for

Charges in day centres

There are fixed charges for meals at day centres and for transport to and from your home. These charges are on top of the contribution you pay for attending the day centre.

Meals in the community

If you receive a delivered meals service, this may be provided by us. This service is chargeable, and a financial assessment will be required to check eligibility. If you are assessed as needing to pay a contribution, you will be invoiced by us for this service.

You will also need to pay for the cost of the meal itself – the provider you have chosen will invoice you for the cost of the meals you have.


If you go into permanent residential and nursing care

If you move from your home into long term care, for the first 12 weeks we will not take into account your equity held in the property when we complete your financial assessment. After this period, equity in your property will be considered. This may result in your capital exceeding £23,250 which means you would be assessed as able to pay for your own care costs.

If we have to take account of the value of your home and our guidelines show you will have to pay the full cost of your care, we can talk you through the options available to you.

If the financial assessment has not been completed before you first go into residential or nursing care, you will be asked to pay a standard amount until your financial assessment is completed. Once we confirm the amount you need to pay, the actual contribution will be backdated to the date you went into the care home.


Short term or respite residential care

If you are going to receive short term or respite care in a residential care home, we may not be able to complete your financial assessment before your care starts or ends.

You will be asked to pay a standard amount until your financial assessment is complete. Once we confirm the amount you need to pay, the actual contribution will be backdated to the date you went into the care home.


If you don’t want to tell us about your financial circumstances

You don’t have to tell us about your finances. If you decide not to, or if for any reason we can’t complete a financial assessment, you will have to pay the full cost of your care and support from the date your care started.


Appeals process

Once your financial assessment is complete, if you think we have made a mistake you can appeal the outcome of our decision. We will provide more information on this at the time of your financial assessment.


How to pay us

There are many different ways you can pay for your care and support. The easiest way to pay is by Direct Debit. 


If you want to make a complaint, comment or suggestion about social care

We want to provide quality services for everyone in East Sussex, so it’s always helpful when you tell us what you think.

If you want to make a complaint, a good start is to contact the person or team who has been involved in the situation you want to complain about. They will try to sort things out quickly.

If you would rather speak to someone else contact our Complaints and Feedback Team.


Getting involved

If you would like to be involved in shaping our services, we are always looking for new members to join the People Bank. The People Bank is a database of volunteers who have an interest in our services. Membership is voluntary and there are many ways you can be involved.

Once you have joined and told us how you’d like to be involved, the People Bank team will be able to match you with opportunities when they are available. Contact us to find out more:

Email: Adult Social Care Consultation team
Phone: 01273 481 565