Paying for adult social care

If your needs assessment shows that you have eligible social care needs, we’ll work out a personal budget for the support you need.

We’ll also carry out a financial assessment in line with government guidelines to see whether you need to pay something towards your care and support. The amount you pay will depend on your capital, assets, income, savings and benefits. 

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A financial assessment looks at the money you have coming in and going out to see whether you need to pay something towards your care. If you’re receiving care at home, we will meet with you so that we can support you with the process.

We’ll ask you to tell us about your income, savings and assets. We will also ask you about the money you spend on rent, mortgage and council tax, and any money you spend because of your disability or illness.

If you think you would be able to pay for your care yourself, or you don’t want to have a full financial assessment, you can ask for a light touch assessment instead.  You will need to pay the full cost of your care if you do this. You can still ask for a full financial assessment later on.

We’ll let you know if you need to pay towards your care and how much this will be. We’ll send you a copy of the financial assessment and tell you how to pay your contribution.

If you receive care at home from an agency, or if you attend a day centre, your service provider will invoice you for your contribution and tell how you to pay them. If you receive more than one service, you may receive invoices from one or more of your providers, but the total weekly amount won’t be more than your assessed weekly charge.

If you have a direct cash payment, the payment you receive from us will be reduced by the amount of your assessed contribution. This means that you need to pay your assessed contribution into your direct payment account.

If you move to a care home, the home will invoice you for your assessed contribution and may tell you how to set up a regular payment such as a standing order.

If you need to move into permanent residential care, you may be eligible for a deferred payment agreement.  This means that you should not have to sell your home in your lifetime to pay for your care.

A deferred payment agreement is an arrangement with the Council that lets you use the value of your home to pay for your residential care. If you’re eligible, we’ll help pay your care home bills on your behalf. You can delay repaying us until you choose to sell your home or until after your death – or at an earlier time if you wish. See our Deferred Payment Leaflet for further information.

We’ll charge a small amount of interest on the amount owed to us. There will be a fee for setting up this arrangement and some ongoing administrative charges. See our deferred payments policy and deferred fees and charges for details.

Meals at day services arranged by us cost £2.50. You pay this direct to the service.

If you need help to get to a service, we’ll discuss this with you. We use our transport policy and eligibility criteria to look at the different ways you might access services. Please also be aware of the cancellation of transport and payment of contributions procedure.