Paying for residential care

Most of the time you will be expected to pay for your own residential care. How much you have to pay will depend on how much capital you have (savings or investments and sometimes your former home if you are in full-time residential care) and how much money you have coming in weekly (which includes any pensions or benefits).

If you have more than £23,250 in capital, you will have to pay for a care home stay by yourself, in which case you can arrange payment directly with the care home. This amount is known as our current threshold and may change from year to year. It's always a good idea to take independent financial advice when paying for a care home yourself so that you can make all the right decisions and don't risk running out of money.

If you aren't able to pay for everything yourself, we can give you a financial assessment to see how much you can afford and how much we could help you with.

If  you are choosing a long term placement for an older person, the care home will provide costs based on the person's needs before you make your final decision.

Our charging for residential care booklet (PDF, 264.4 KB) will help you understand in more detail how we work out what you can pay.

If you are paying the full cost for your care, our guide for people funding themselves in residential and nursing care homes (PDF, 207.1 KB) gives advice about what financial issues to consider.