Social care, unlike health care, is not free to everyone.
If you are eligible for care and support to be organised through the council, you may also qualify for some financial help to meet the cost.
A financial assessment will be completed by the council to work out how much you will need to pay towards the cost of your support. All care and support charges are applicable from the day your care and support commences, so if you have not been assessed by that date, you need to be aware that your charge will be backdated.
You are welcome to have someone with you when you talk with adult social care if you would like to – this could be a carer, friend or member of your family. If you don’t know someone who could support you, adult social care can help to arrange an independent advocate for you – to make sure you feel listened to. If you would like to know more about independent advocacy, please visit www.yorkadvocacy.org.uk/general-advocacy/ .
The amount of money which is allocated to you to pay for your support is called a “Personal Budget”. This is a combination of your assessed contribution and the maximum amount which the council will contribute towards your support. It is usually calculated as a weekly and annual amount. There are a number of ways which you can receive your personal budget including -
For further information regarding Direct Payments, please visit City of York Council – Direct Payment advice and support providers.
Generally, if you have assets of over £23,250 in your own right, you are unlikely to receive funding towards your social care support. The value of your current home is not taken into account if you need care in your own home.
If you significant savings or have this amount of assets and would like the council to arrange your care and support for you, there is administrative charge to pay in addition to the weekly cost of your care. The administration charge payable to the council covers the cost of arranging and buying care and support services on your behalf. It also covers invoicing you and collecting your contribution towards your care, annually reconciling your personal account and arranging charges or a credit back to you if applicable. The administration charge also covers the costs incurred for undertaking quality assurance checks of care providers.
If you are eligible for residential or nursing care and are eligible for financial support towards your stay in a care home, you will be financially assessed by the council to calculate your weekly contribution. If you are assessed as needing to stay in a residential or nursing home facility, the Health Authority may also make a contribution towards this.
Each local authority has set rates which they agree to pay for a care home place. In 2018/2019, City of York Council's weekly gross rates for residential and nursing care are as below. These costs include your own financial contribution towards the cost of your care and any health care funding you may be eligible for.
Residential £524.31 per week
Residential with dementia specialism £546.11 per week
Local Authority placements £713.55 per week
Nursing Placements £721.66 per week
Nursing with specialist Dementia £769.43 per week
If you wish to go to a care home where the total weekly cost is greater than this, family or friends (not yourself and usually not your spouse) may have to contribute towards the extra cost. This is called a “third party top up”.
If you are already living in a residential or nursing facility and pay for this yourself (with no support from the local authority), you may be eligible for funding if your savings are about to reduce to £23,250. Please contact adult social care to arrange a financial assessment and assessment of your eligibility. If possible please contact the council before you make the payment that will reduce the capital below £23,250.
If your current care home is more expensive than the local authority rates (see above), there is no guarantee that the council will pay the full weekly cost of your stay. Some homes are willing to accept the local authority rates once your funds drop to the capital limit threshold and the council will try and negotiate this with them. In some instances, a third party top up will need to be made towards your stay to cover the full cost (from a relative / friend). You are not allowed to pay your own third party top up.
If there is no one available who can pay a third party top up for you then you may need to consider looking for an alternative care home that accepts the City of York Council rates.
If you have been assessed as eligible to receive care in a care home setting and have savings below £23,250 and own a property, you may be eligible for a “Deferred Payment Agreement”. This is an agreement between you and the council that is designed to help you if you are unable to access your money due to it being tied up in your property.
You may also be entitled to a 12 week property disregard if you are entering care for the first time and the council has assessed you as being eligible to receive care in a residential or nursing home facility. This is when the council agree to contribute towards up to the first 12 weeks of your stay in a care home to allow you time to sell your property.
You will not be entitled to the 12 week property disregard if you are already in a care home when your capital drops below the upper threshold of £23,250.
For more information please refer to City of York Council's website.
You may also find the section on independent financial advice on this website useful.
You may be eligible for funding from the NHS, dependent on your health needs.
Further information is available at the NHS Choices website.
If you are in a nursing home, the Funded Nursing Care Team need to be contacted to ask them to undertake an assessment to determine whether you are eligible for a registered nursing care contribution. The Funded Nursing Care Team can be contacted on 0300 3038294.
Last reviewed: 27/08/2019
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