Care Home Financial Assessment

Once you have been assessed as needing residential care, an assessment of how much you will need to pay towards the cost of your care will be undertaken.

The Cost of Moving Into a Care Home Booklet (449.8kB) (Opens in a new window or downloads a file)

Care Home Charges

For the first 8 weeks, you will be assessed on your ability to pay the assessment rate regardless of the care home you are based in. This amount is currently £129.65 per week.

From week 9 of your stay in the care home you will be assessed on your ability to pay the rate set for the care home in which you reside minus the free personal/nursing care if you are over 65.

The rates of free care are as follows (2017/18):

  • £171 per week for Personal Care
  • plus £78 per week if Nursing Care is also required
Care Home Weekly Maximum Charges 2017/18
 

From April 2017

Free Care

Assessment rate

£129.65

N/A

Blar Buidhe

£710.00

£249.00

Bethesda

£712.00

£249.00

Leverburgh Care Home

£635.00

£171.00

Comhairle Care Homes

£998.00

£171.00

Comhairle Care Units

£700.00

£171.00


Assessment of How Much to Pay

The amount you are required to pay is assessed on your income and capital which includes any assets you own (see examples below). An assessment is undertaken every year to ensure that the amount you are paying is based on up to date and accurate information.

In order to assess your ability to pay we will require evidence of all sources of income and all capital held. Here are some examples of what we would consider to be income and capital but this list is not exhaustive:

Income Examples

  • State Pension
  • Pension Credit
  • Occupational Pension
  • Private Pension
  • Annuity
  • Income from tenants
  • Income Support
  • Employment Support Allowance

Capital Examples

  • Bank accounts
  • Building society accounts
  • Post Office accounts
  • Property
  • Land
  • Stocks and shares
  • Bonds
  • PEPs
  • ISAs 

We will also ask you about any significant amounts of capital/property that have been spent or gifted to another person or organisation. You can be deemed to have capital which you no longer have if the Comhairle thinks that you have deprived yourself of that capital/property for the purposes of paying less for your care.

If you have capital over £26,500(2017/18 limit) you will be required to pay the cost of your care home in full. Once the value of your capital comes under this amount your contribution will be reassessed and an income of £1 assumed for every £250 you have over £16,500will be added to your income and you will be assessed on your income.

Please note that the value of property that would have normally been your main residence will not be included in your assessment until week 21 of your stay in the care home. Charges based on a residents home can have payment deferred to come out of the estate of the resident if a legal agreement is entered into with the Comhairle.

When assessing your income, you will be left with an amount for personal expenses (£26.40p/w for 2017/18). Any income you have above this will be how much you are required to pay towards your care.

Summary of Assessment

Savings/Capital amount

Is my income assessed?

How much will I pay?

Will my savings/capital be taken into account?

Less than £16,500

Yes

Weekly income - £26.40

No

Between £16,50126,500

Yes

eekly income + assumed savings income - £26.40

Yes, we will assume £1 income for every £250 savings above £16,500

Exceeding £26,500

No

Full cost of care home

Yes and you will pay the full cost of the care home


Each assessment varies according to the circumstances of the resident. If you would like a rough guide on assessment based on your circumstances then please do not hesitate to contact the team. Alternatively, the full guidance is available from the Scottish Government website.

Scottish Government Guidance (Opens in a new window or downloads a file)

Contact

You can contact the assessment team by e-Mail: 

carefinance@cne-siar.gov.uk

or Tel.: 01851 822642