If you are thinking about moving into a care home on a permanent basis, and you own or partly-own your home, the value may be taken into account when working out how much you need to pay towards your carehome fees.
How it works
Your home's value can be disregarded for up to 12 weeks from when your care starts, or from when Kirklees Council takes over responsibility of paying your fees. This may mean you do not have to pay the full cost of your care for the 12 week period if the value of your other assets is below £23,250. This doesn't apply to second homes.
The value of your home will not be considered:
- If the property is lived in by a spouse, partner, a relative who is over 60, a relative who is incapacitated or a child under 16 who you are responsible for supporting.
- If we agree that the property should be disregarded because a long term carer lives there.
Care is not free during the 12 week period, your other income will be taken into account in working out your weekly care contribution. If the care home charges more than the cost that Kirklees Council would pay, you will need to pay the remainder during this period.
At the end of the 12 week period, or when you sell your property if this is sooner, the value will no longer continue to be disregarded, and it is likely that you will need to pay the full costs of your care until you're capital drops below the funding threshold. Kirklees Council care contract with home will also cease at this point and you will need to make your own private arrangements for paying your care fees.
If you don't want to sell your home you may be eligible for Deferred payments scheme.
Applying for a disregard
If you qualify for the 12 week property disregard this should normally be identified during the financial assessment. If you think you qualify and have not been contacted please get in touch with the Client Financial Affairs.
The 12 week period gives you time to make decisions about your future care and we strongly recommend that you get independent legal and financial advice to help you plan for the future.
Deprivation of assets
If you dispose of any capital, assets or savings before you go into a care home or when you are already living in one, we are required to investigate the circumstances. If we decide that a significant factor in your decision for the disposal was to avoid or reduce the amount you have to pay towards your care home fees, this may result in the financial assessment being completed as if you still have this asset.
Contact Client Financial Affairs
- Email firstname.lastname@example.org
- Phone01484 416795 or 01484 222056