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Changes to the way you pay for residential care

Following the introduction of the Care Act in 2015, you may have heard that there are going to be some changes to how you pay for social care in the future.

Given the General Elections of 2015 & 2017, it's no longer certain that those changes will go ahead in their current form.

Is there now a limit on how much I have to pay for care?

When the Care Act was introduced in 2015, there was a suggested cap on care costs of £72,000. 

However, this is now in doubt following the General Elections of 2015 and 2017.

Read the details of what was set out in the Care Act 

How will the way my finances are assessed change?

If someone needs social care, the council does a means test to decide how much they should pay towards their care. The means test is where a person’s income and assets are looked at.

How it currently works:

  • If you have capital and savings above £23,250, you will have to fund all of your own social care.
  • If you have under £14,250, you will be eligible for the maximum financial support from your local authority, though you are still likely to have to make contributions from your income. 

How it may change:

The details set out in the Care Act are no longer certain to come into force.

Read the Care Act's original plans

The Government has announced it is to publish a green paper (probably in 2018) that will provide the basis for new legislation on how to plan and pay for social care.

How do these changes affect me?

It is important to remember that every person’s circumstances are different and how these changes affect you will depend on what kind of care you need, how long you need care, and your individual financial circumstances.

  • If you’re already paying for care
    What you’ve spent already won’t be counted towards the new cap on care costs. It’s only when any new changes come into force that what you spend on care will start to count towards a lifetime cap.

What should I do next?

For more information call Age UK on 0800 055 6112


Last updated: Mar 26 2018

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