Paying for care
If you live in a residential or nursing home or receive a service in your own home or at a day centre you may have to pay towards the cost.
- How much will I pay?
- Hospital and benefits
- A short stay in a Residential, Nursing Home or Supported Housing
- Living in a Residential or Nursing Home
- Making online payments
- What should I do if I think my contribution is wrong?
- What if I need more information?
You’ll need to have an assessment in order to determine whether you are eligible for support from the Council. The amount of money the council will pay for this is called a personal budget, which is either paid to you as a direct payment or the council arranges services for you which cost this amount. We will assess how much you would need to contribute to this. But to give you some idea:
Anyone with savings above £23,250 will pay the full cost of their care package. See our Paying for your own care page for more information. Your contribution towards the cost of services in the community is worked out using our Fairer Charging Policy (PDF 129 KB).
The total cost of your care will be set by your provider. For example, a home care service from an agency might cost between £12 and £18 per hour.
- Anyone with savings between £13,000 and £23,250 will pay a contribution based on your savings.
- If your savings are below £13,000 these will not be taken into account.
- If you have a low income, for example, basic Pension Credit, Income Support or Employment And Support Allowance, you will not normally have to pay anything from this; and
- If you receive Attendance Allowance or Disability Living Allowance you may have to pay up to £55 per week. If you have a private pension or other income you may have to pay more than this.
- We disregard 65 percent of Attendance Allowance, Disability Living Allowance or Personal Independence Payment to take into account extra expenditure related to age and disability. If you think your expenditure is above this level, you can claim for extra expenses.
Further Guidance can be obtained from the Department of Health (external link).
If you are going into hospital you should immediately notify the Department for Work and Pensions (external link) and the council office that deals with your claims for Housing and Council Tax benefit. This is important to avoid overpayments as your benefit entitlement may have to be reassessed to take account of your hospital stay.
Up to six weeks of reablement is free of charge.
A short stay is often called respite care. Your contribution towards the cost of this service is worked out using our Fairer Charging Policy (PDF 129 kB). If you receive other services in the community you will only pay one contribution.
Your contribution towards the cost of living in a residential or nursing home is worked out using The Care and Support (Charging and Assessment of Resources) Regulations
The amount you pay will take into account your pensions and welfare benefits. If you receive basic Pension Credit or Employment and Support Allowance you will normally pay the following minimum amount per week:
|Your Age||Weekly Contribution|
If you have a private pension or other income you may have to pay more than this. You are entitled to give half of your private pension to your partner unless you both live in the same residential or nursing home.
You will keep a personal allowance of £24.90 to spend as you wish. If you are over 65 you may be entitled to an increased allowance. Anyone with savings over £23,250 will pay the full cost of their residential or nursing home placement.
The value of your property will be taken into account but can be disregarded in certain circumstances, for example, if your partner continues to live there. Where the value is taken into account it will be disregarded for the first 12 weeks but you will pay a contribution based on your income and savings.
If you have transferred your property or capital assets before moving into a residential or nursing home in order to reduce your accommodation charge, we may decide to treat you as still possessing that asset.
If you do not wish to sell your property straight away the Deferred Payment Scheme allows you to defer payment of part of the cost of your care until you sell your property or move out of residential care. You can decide to rent or lease your property and add the income you receive to the amount you contribute from your pensions and other income.
More information can be found in the documents below:
- Haringey Deferred Payment Scheme leaflet (PDF, 115KB)
- Haringey Deferred Payment Scheme Policy April 2015 (PDF, 414KB)
Third party top-up
We are only able to pay up to a certain limit towards the cost for your residential or nursing home each week. If you choose a home which charges more than this limit someone else must pay the extra. This is known as a 'third party top-up' and must come from a third party, for example, family members, charities or friends.
A third party top-up is normally paid directly to the home in addition to any contribution from income and assets.
You can pay your community care charges with a credit or debit card using our secure online payment service. Click on the following link for more information and to open a separate window to a secure payment site:
- If you think your contribution is wrong you can ask for a review of our decision and a senior officer will look at your case. If the senior officer agrees the decision was wrong we will amend the charge and write to you. We will also write to you if we think the original decision is right
- If you are still not satisfied you can appeal against this decision and we will arrange for a panel to hear your case
- If you think you have not been treated fairly you can contact the Local Government Ombudsman on 0845 602 1983
If you have any questions about contributions for community care services, please contact us at the following address:
- Income Maximisation and Personal Budget Finance Service
Haringey Council Adult Services
8th Floor, River Park House
225 High Road
London N22 8HQ
- Tel 020 8489 3364
- Email FinanceAssessmentTeam@haringey.gov.uk
Useful external links
The following links are not part of the Haringey Council website. Please read our legal disclaimer before using these links
- DirectGov: The public services website (external link)
- The Pension Service (external link)
- GOV.UK Benefits Adviser (external link)
- The Welfare rights website for advice workers (external link)
- Department for Work and Pensions (external link)