Paying for Residential or Nursing Home Care - Easy Read

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Residential and Nursing Home Fees
     
Money being used to pay for care   If you are moving into a residential care home and think that you need help with paying for your care, you can ask the Council to do an assessment of your needs.
     
Blue telephone   You can do this by calling the Adult Care Help line on 0300 456 0111.
     
Person doing a financial assessment   The Council will carry out a Financial Assessment.
     
Handful of money paying for care   This is used to decide whether you will pay for your own care, whether the Council will pay or whether it will be a mixture of both.
You will be asked questions about how much money you have. You can have support with this if you need it.
     
Person with their personal allowance   Any income (money) you receive, including benefits will be taken into account.
You will be able to keep a small amount of your money for personal things, this is known as a Personal Allowance.
At the moment this is £24.40 per week.
     
Savings in a piggy bank being used to pay for some care   If you have savings of between £14,250 and £23,250 you will have to pay some money towards your care.
     
Paying for Residential or Nursing Care when you own your own property
     
Money and property being used for care   If you own a house and have savings of more than £23,250, you cannot get financial help from the Council.
You will need to pay for all of your care costs in full.
See advice from Wiltshire CIL for more information.
     
care and support guide booklet   Adult Care Customer Advisors
Whatever your financial circumstances are, the Council Adult Care Customer Advisors are there to help signpost you to options and consider the choices available to you.
For more information about the range of care services, see the Wiltshire Care Services Directory 2016/17 available online at the Care Choices website.
     
2 people doing an assessment   Even if you have to pay for your care, you can ask for an assessment from the Council to find out what your care needs are. There is no charge for a care assessment.
     
Do you own a house and have savings of less than £23,250?
     
a person in a home with less than £23,250 in savings   If you own a house and have less than £23,250 in savings, you will be asked to have a financial assessment.
This is to work out what you should pay towards your care from your weekly income and any savings you have (if you have more than £14,250 in savings).
     
Health Authority doing a financial assessment   If you need nursing care, the Health Authority should do a financial assessment to look at the nursing element of your care costs, to see whether they can offer you financial help towards that part of your costs.
     
Pension credit leaflet   People aged over 61 may be able to claim Pension Credit if the value of their property is low.
The Council will let you know if you can get this.
     
If you choose a Home that is more expensive than the Council would normally be prepared to pay
     
Deferred payment scheme paying for care   If you choose a Home that costs more than the Council will pay, you will have to use your own money to pay the difference.
The Council may be able to offer a Deferred Payment scheme if you meet certain criteria.
This is a type of loan that must be paid back when you sell your property or have other sources of income.
     
Information Logo   Please note: This is an easy read summary of some of the key issues about paying for residential or nursing home care.
This summary does not cover everything you need to know. Please see the web page for more information.
There is a list of organisations at the end of this page, where you can get free advice.
     
Financial Advisor   Financial advice
It is really important that you seek independent financial advice before making any decision about paying for your care.
     
Person talking to a solicitor   If you have a house or other property for sale, you should talk to a solicitor.
They will be able to help you decide what to do.
     
Charges and Benefits
     
Person with stack of leaflets   The government provides benefits for older and disabled people and for carers.
As a Carer, you may be entitled to some benefits, whether you do paid work or not.
Benefits Carers may be entitled to include:
  • Carer’s Allowance
  • Income Support
  • Housing Benefit and Council Tax Benefit
  • Working Tax Credit and Child Tax Credit
     
Carers Direct Payments booklet   You could also be entitled to receive a Carer’s Direct Payment.
This means that carers can buy the services they need to support them in their caring role and to look after their own health and wellbeing.
     
Carers assessment   This is accessed through a Carers Assessment and is completely separate from any payment for the person they care for.
     
information logo   Carers can get information from Wiltshire Citizens Advice. Including information on the following:
  • Welfare benefits
  • Money and debt advice
  • Family and personal matters
  • Employment
  • Housing
  • Taxes
  • Immigration, nationality and discrimination
  • Education
  • Health
     
Blue Telephone   Contact Wiltshire Citizzzens Advice on 01249 454733
     
Email on laptop   Or by email at carersproject@cabwiltshire.org.uk
     
Blue telephone and Wiltshire Council logo   If you are not sure what Benefits you are entitled to and you would like some help, call the Customer Advisors at Wiltshire Council on 0300 456 0111.
     
gov.uk website   Or you can use the Benefits Checker at www.gov.uk
     
Other useful websites
     
Carer Support Wiltshire Logo   www.carersinwiltshire.co.uk
     
Age UK logo   www.ageuk.org.uk
     
Carers UK logo   http://www.carersuk.org/
     
Carers.org logo   www.carers.org
     
Money advice service logo   www.moneyadviceservice.org.uk