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Paying for your care
If you pass our assessment of your criteria to
receive care, you will then need a financial assessment. This
will be arranged by us.
We will need to know:
- your income
- your expenditure
- your savings
- any other assets
If you have over £23,250 in your account, you will
have to pay the full cost of your care.
- check to make sure that you are receiving all of the correct
benefits. If you are not, we will tell the Department of
Work and Pensions (DWP) who will help you make a claim
- calculate what you can afford to pay
- explain how you can pay
- ensure that you fully understand what will happen in the future
should anything change in your finances
You will receive your first invoice within 7 weeks of the visit,
or a letter explaining why this is not possible.
Third party top-up payment
A top up payment is needed if you choose a care home more
expensive than the council's regular rate for someone with your
care needs. This rate is what we think is a fair and reasonable
amount for a care home in Medway.
If your needs require a care home that exceeds our regular rate,
we will fund 100% of the costs and top-up will not be
Paying the top-up
This must be paid by someone other than you or us, usually a
family member, friend or organisation. You may only pay the top-up
If you have property and assets over £23,250, you will usually
pay all your care costs. This is being a 'self-funder'. Read more
financial assessments as a self-funder.
Independent financial advice
You are entitled to independent financial advice to guide
you through your personal care costs and we can help you find
independent advice about your care costs.
- The Financial
Conduct Authority website has a range of easy to understand
advice and information on sourcing financial advice. All advisors
should be accredited by the FCA.
- The Society of
Later Life Advisers (SOLLA) aims to help people to find trusted
accredited financial advisers who have a particular understanding
of financial needs in later life. The website offers an online
search of SOLLA accredited advisers.
Saga Care Funding Advice Service specialises in providing
care funding advice for people who need to pay for their own care
needs. There is a useful free guide to paying for care on their
for Care is a not-for-profit organisation which includes advice
on its website on paying for care, as well as an online care fees
calculator and a care cap calculator. For SOLLA-accredited
advisers, look for the red and purple flower logo by their
- Money Advice Service
is a range of free and impartial money advice, set up by the
- The care calculator
works out how much you'll pay before reaching the new care cost cap
amount by asking you simple questions about where you live, your
savings and income.
Where to get advice
- Unbiased.co.uk - Has a network of
15,000 independent financial and restricted whole-of-market
- VouchedFor - Features
exclusively independent advisers. The website hosts reviews of
independent financial advice, checking them to make sure they're
from genuine clients.
- Money Advice Service
- Free, impartial advice money advice, set up by the