Paying for care and support

Some care and support services are not free. This means most people have to pay something towards their care and some will have to pay all of the costs.

The cost and how much you will need to pay towards your care will depend on the type of service you require to meet your needs and how much you can afford to pay.

Financial assessment

If you are eligible for support from adult social care your social care worker will ask you to complete a financial assessment form.   

The financial assessment will look at your income and how much money you pay out. It will also look at any savings you have or assets you own, like a house. We will use this information to work out how much you can afford to pay towards your care and support and whether the council will help with the cost.

If you don't want to tell us about your finances, you can opt to pay the full cost of your care and support.

For further information please see the guides below: 

NHS funding

Sometimes the NHS is responsible for funding some or all of your care. This could be because you need care from a registered nurse, or you have been assessed by a team of health and social care professionals and they have agreed that you have a “primary health need.” This is known as NHS continuing healthcare.

For more information, please visit the  NHS continuing healthcare page on the NHS website.

Direct payments

You may choose to have your care and support costs paid to you as a direct payment.  You must have capacity to agree to receive a direct payment. This means that you understand about the benefits and the responsibilities of having a direct payment. If you do not have capacity to make this decision, you can still receive a direct payment if you have someone who is authorised to make the decision on your behalf and can help you to manage your direct payment.

Before you can receive a direct payment your social care worker will ask you to complete a direct payment agreement. This is to ensure that you understand the responsibilities associated with arranging your own care and to make sure the care provided will meet your needs. 

For further information please see the guides below: 

Deferred payment agreements

A deferred payment agreement is a legal agreement between you and the council that allows you to delay paying some or all of your residential care or extra care costs until a later date.

If you choose to enter into a deferred payment agreement, we will pay the cost of your care until you choose to sell your home, or until after your death.

Deferred payment agreements will suit some people’s circumstances better than others.

There is a fee to set up the agreement and we will charge interest on the amount that you owe.

There are other ways to pay for your care. We recommend that you seek advice from an expert before making your choice.

For further information please see the guide below:

Frequently asked questions

We understand that making decisions related to paying for care and support. We have put together answers to the most frequently asked questions in the document below: