How your charges are calculated

Mary is 85. She gets a home care service of 10 hours per week. She also goes to the day centre once a week with transport for the round trip. Mary wears a Carephone Pendant alarm with an additional sensor because she is at risk of falls.

Weekly cost of Mary's care and support

Mary's total weekly costs are as follows:

• 10 hours home care service x £24.17 per hour = £241.70
• 1 day at the older person's day centre x £53.97 per day = £53.97
• Carephone Pendant with wrist sensor x £10.26 per week = £10.26
• Mary's care and support costs are £305.93 every week

Qualifying for any financial assistance

Mary's weekly income:

• State Pension £164.75
• Pension Credit £53.40
• Total weekly income £218.15
• Weekly ignored amount (Cost of Living allowance) £228.70

Mary's income is less than the ignored amount (£218.15 minus £228.70) and so she qualifies for full financial assistance to pay her £305.93 weekly care and support costs. Mary has nothing to pay herself.

Frank is 92. He gets a home care service of 8 hours per week. He also goes to the day centre twice a week with transport for the round trip.

Weekly cost of Frank's care and support

Frank's total weekly costs are as follows:

• 8 hours home care service x £24.17 per hour = £193.36
• 2 days at the older person's day centre x £53.97 per day = £107.94
• Standard Carephone x £9.54 per week = £9.54
• Frank's total care and support costs are £310.84 every week

Qualifying for any financial assistance

Frank's weekly income:

• State Pension £167.25
• Private Pension £18.93
• Attendance Allowance £72.65
• Pension Credit £113.47
• Total weekly income £372.30

Frank's ignored amount and allowable expenses

• Ignored amount £228.70
• Excess fuel allowance £6.00
• Cleaner £20.00
• Stair lift maintenance £3.85
• Total disregards £258.55

Frank's care and support costs are £310.84 every week which is more than he is assessed as able to afford, so he qualifies for financial assistance to help him meet his costs.

• Total cost of services £310.84 less
• Amount Frank can afford *£113.75
• Financial assistance £197.09

Frank qualifies for £197.09 per week financial assistance and he can afford to pay *£113.75 himself.

Frank is assessed as being able to afford to pay the difference between his total weekly income and his total weekly disregards (£372.30 minus £258.55 = £113.75* per week). With the financial assistance Frank qualifies for, he can now meet the cost of his weekly care and support.

Ruby is 78. She gets a home care service of 4 hours per week.

Weekly cost of Ruby's care and support

Ruby's total weekly costs are as follows:

• 4 hours home care service x £24.17 per hour = £96.68
• Ruby's total care and support costs are £96.68 every week

Qualifying for any financial assistance

Ruby's weekly income:

• State Pension £218.66
• Private Pension £46.87
• Attendance Allowance £72.65
• Tariff income on £20,000 in savings £23.00
• Total weekly income £361.18

Ruby's ignored amount and allowable expenses

• Ignored amount £228.70
• Excessive laundry £5.78
• Powered Bed £4.33
• Cleaner £15.00
• Total disregards £253.81

Ruby is assessed as being able to afford to pay the difference between her total weekly income and her total weekly disregards (£361.18 minus £253.81 = *£107.37 per week)

Ruby's care and support costs are £96.68 every week which is less than the amount she is assessed as able to afford.

Ruby does not qualify for financial assistance at this time.

Although Ruby can afford to pay up to a maximum of *£107.37 per week, her services cost less at only £96.68 per week. Therefore, Ruby can afford to pay for her services herself. Ruby might qualify for financial assistance in the future if her care and support costs increase to more than £107.37 per week, but until then she does not qualify for financial assistance.

Liam is 25 and lives in a supported living house providing 24-hour care and support.

Weekly cost of Liam's care and support

Liam's total weekly costs are as follows:

• 168 hours supported living service x £21.95 per hour = £3,687.60
• Liam's total care and support costs are £3,687.60 every week

Qualifying for any financial assistance

Liam's weekly income:

• ESA Support Group £240.55
• PIP (Daily Living) £108.55
• PIP (Mobility) £75.75
• Total weekly income £424.85

Liam's ignored amount and allowable expenses

• Ignored amount £183.25
• PIP (Mobility) £75.75
• PIP (care-part) £35.90
• Excessive laundry £5.78
• Total disregards £300.68

Liam is assessed as being able to afford to pay the difference between his total weekly income and his total weekly disregards (£424.85 minus £300.68 = £124.17 per week).

Liam's care and support costs are £3,687.60 every week which is more than he is assessed as able to afford, so he qualifies for financial assistance to help him meet his costs.

• Total cost of services £3,687.60 less.
• Amount Liam can afford *£124.17.
• Financial assistance £ 3,563.43

Liam qualifies for £3,563.43 per week financial assistance and he can afford to pay *£124.17 himself.

With the financial assistance Liam qualifies for, he can now meet the cost of his weekly care and support.

Jenny is 42 and lives at home with her parents. She has a learning disability. Jenny goes to the day centre 5 days a week with transport for the round trip.

Weekly cost of Jenny's care and support

Jenny's total weekly costs are as follows:

• 5 days at the day centre x £69.45 per day = £ 347.25
• Jenny's total care and support costs are £347.25 every week*

Qualifying for any financial assistance

Jenny's weekly income:

• ESA Support Group £138.20
• PIP (Daily Living) £72.65
• PIP (Mobility) £75.75
• Total weekly income £286.60

Jenny's ignored amount and allowable expenses

• Ignored amount £159.40
• PIP (Mobility) £75.75
• Powered wheelchair £9.52
• Excessive laundry £5.78
• Non-liable Housing cost £19.15
• Total disregards £269.60

Jenny is assessed as being able to afford to pay the difference between her total weekly income and her total weekly disregards (£286.60 minus £269.60 = *£17.00 per week).

Jenny's care and support costs are £347.25 every week which is more than she is assessed as able to afford, so she qualifies for financial assistance to help her meet her costs.

• Total cost of services £347.25 less.
• Amount Jenny can afford £17.00.
• Financial assistance £330.25.

Jenny qualifies for £330.25 per week financial assistance and she can afford to pay *£17.00 herself.

With the financial assistance Jenny qualifies for, she can now meet the cost of her weekly care and support.