Paying for your care needs

Fairer charging - what you can afford

Our fairer charging policy covers all adult social care services that we provide. It is based on government guidance – go to GOV.UK: charging arrangements for adult social care services.

What you can afford to pay

Your contribution is based on what you can reasonably afford to pay, not on how many services you receive. To work out what you can afford to contribute we look at:

  • your income
  • your savings
  • your outgoings

You won't have to sell the house you live in to pay for the care services you receive.

Your income and savings

Only the person who receives our services needs to give us information about their income and savings, unless you get a means-tested benefit as a couple.

If you don't give us your financial details, we will ask you to pay the full cost of the services we provide to you. Most types of income must be included, but some benefits and allowances may be wholly or partly ignored.

If you have savings or investments of:

  • £23,250 or more – we will ask you to pay the full cost of the care services we provide
  • between £14,250 and £23,250 – you will be asked to contribute towards your care
  • less than £14,250 – this will be ignored

When we work out what you can afford, we make sure you have enough money left to live on. You won't have to contribute if your weekly income is found to be less than minimum levels set by the government. Your personal allowance will vary depending on your circumstances.