Paying for residential and nursing care homes

A residential care home offers personal care to people who are unable to manage at home despite having support, and need much higher levels of security and care. Personal care includes:

  • bathing
  • feeding
  • dressing, and
  • help with moving about

Nursing care homes have qualified nurses on site 24 hours a day, seven days a week to deliver nursing care where a resident requires it.

Find out more about residential and nursing care homes

The law says that where the local authority is funding accommodation, it must allow a person entering residential care to choose which care home they would prefer, within reason.

The council must first agree the home is suitable for your needs and it would not cost more than they would normally pay for a home that would meet those needs.

Your care needs and entitlement will be determined through the needs and financial assessment process. You are free to make your own arrangements if you can afford the long-term cost. However, it is worth asking for the council's financial assessment, because it might fund some or all of your care costs. In the financial assessment, we will take into account income and assets you own.

 

If your residential or nursing placement is funded by the council, you will be financially assessed to make a contribution towards your placement. Your contribution will be based on your weekly income, savings and investments. The financial assessment will ensure that you are left with a personal allowance of £24.90 per week (2015-2016 allowance) which is set by the government.


 

Top-ups or third party agreements

A top-up is in addition to the contribution that you pay.

If you choose a care home that costs more than the council usually expects to pay for a person with your needs, you may still be able to live in the care home if a relative or friend is willing and able to pay the difference between what the council pays and the amount the care home charges – this is known as a top-up fee.

You will need to be sure that this arrangement is likely to last or you may have to move again later.

The amount of the top-up is agreed at the time you go into the home, but can be reviewed by the home as long as they give notice. Anyone paying a top-up can ask for a review of the top-up arrangement at any time, and the council can always review the arrangement once a year.

From April 2016 this may change so that a person in a care home - who wants to and can afford to do so - can make payments for their preferred choice of accommodation themselves.

Further information

View print version of paying for residential care:

The deferred payment scheme

The Care Act 2014 introduces the right for you to ask the local authority to lend you the money to pay for your care home fees if you own a property.

Request an assessment or review from adult social care

We can give you information, advice and guidance to help you remain independent. Where you may require additional help we can assess you to see if you have eligible needs or to review your current care package.

How to request an assessment or review

Shared site content

How does it work?

Northamptonshire County Council

Northamptonshire County Council

about 23 hours ago

Updated budget timeline 2018/19

View on Facebook

Save someone in need. Give the gift of life.

If you needed an organ transplant would you have one? We’re campaigning with NHS Blood and Transplant to educate young people about #OrganDonation. M...

View on Facebook

Signing up to NHS register as a young person means that someday you could save lives as a donor—by leaving behind the gift of life. Help save someone ...

View on Facebook

Breast Cancer - Be Clear on Cancer

Today, Public Health England are launching their Be Clear on Cancer ‘breast cancer in women over 70’ campaign. If you've noticed changes to your breas...

View on Facebook

Over the next few days we will be sharing quotes from some of the older children in care and the difference their foster carers have made to them. Co...

View on Facebook

Northamptonshire Shared Lives service for vulnerable adults rated outstanding

View on Facebook
17/02/2017 15:57
Test
22/12/2016 09:10
test highways news release
31/08/2016 22:00
Northamptonshire County Council’s Cabinet will next month (September 6th) discuss plans to add an additional 105 new places at Wollaston Community Primary School.
31/08/2016 22:00
This summer’s Women’s Tour was watched by a record-breaking 80,000 people in Northamptonshire – 12,500 more than last year.