If you have been assessed as needing a care home place, you will have to pay either the full amount or a contribution towards the cost of your care. This will depend on your financial circumstances. See How to get care and support for adults.

How we work out how much you pay

If you have been assessed as needing a care home place and you have savings and property:-

  • over £23,250 you will pay the full costs of your support. We refer to people who access care services from us but pay for themselves as self funders.
  • under £23,250 you will probably have to make a contribution towards the cost of your care.
  • between £14,250 and £23,250. you will be expected to contribute £1 per week for every £250 you have over £14,250. Your charge will be based on your weekly income, and any capital above £14,250.

Following your Financial assessment you will be able to retain some money for your personal use. The amount of this personal expense allowance is determined annually by the Government. This is currently £24.90 per week.

Charges for Kirklees Council care homes

We set a weekly charge for accommodation in Local Authority care homes. This is based on what it actually costs us to run the home and is calculated using national guidance on local authority accounting.

From 10 April 2017 the maximum weekly rates charged are:-

  • £667.99 per week in Ings Grove House and Moorlands Grange
  • £721.90 per week in Claremont House and Castle Grange

For more information about our homes see Care homes.

Help if you don't want to sell your home

A deferred payment helps if you have to pay the full cost of your residential care but cannot afford to pay the full weekly charge because most of your capital is tied up in your home. Under the scheme, we offer you a loan using your home as security. It's not the same as a conventional loan as we do not give you a fixed amount of money. Instead we pay an agreed part of you care home bill for as long as necessary. The money is paid back to us when the money tied up in your home is released. This can mean that you don't have to sell your home in your lifetime if you don't want to.

For more information see Deferred payments scheme.

12 week property disregard

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 for 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.

For more information see 12 week property disregard.

Third party top up payments

You can also choose a more expensive home if there is someone else, like a relative or friend, willing to pay the extra cost, but be sure that this arrangement is likely to last or you may have to move again later. These are commonly referred to as top-ups or third-party payments.

A third party is someone who agrees to pay a top-up to enable a relative or friend to go into a home that charges more for care than social services can support. The top-up is in addition to the amount that you are asked to pay from your own income and savings.

The amount of the top-up is agreed at the time you go into the home, but can be reviewed by the home as long as they give notice.

Alternatives to care funded by the local authority

NHS continuing healthcare

If the person you care for has very severe and complex health needs, they may qualify for NHS continuing healthcare. This is an ongoing package of care that's fully funded by the NHS.

For more information see NHS Choices - NHS continuing healthcare

NHS-funded nursing care

You should receive NHS-funded nursing care if:

  • you live in a care home registered to provide nursing care, and
  • you don't qualify for NHS continuing healthcare but have been assessed as needing care from a registered nurse

The NHS will make a payment directly to the care home to fund care from registered nurses who are usually employed by the care home.

For more information see NHS Choices - What is NHS-funded nursing care?

Calculating the cost of your care
Find personal advice on care funding

It may be helpful to seek independent financial advice to find the most suitable and cost effective solution to paying for care.

Disposal of assets

If you have given away any of your capital before entering a residential or nursing home, the law says that in certain circumstances if the local authority feels the resident has deprived himself or herself of capital to reduce their accommodation charge then they may take this capital into account as if you still owned it.

Find care homes and care at home services

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Type of care you can search for

  • Care home with nursing
  • Care home without nursing
  • Care at home
  • Shared lives
  • Supported living services

Further guidance

NHS Choices care and support guide provides national guidance on Funding Care.

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