Self-Funders If you have capital (savings and assets) worth £23,250 or over, or a weekly income high enough to pay for care home fees, you will not qualify for funding from the council. Instead, you will need to pay for your own care. This is called ‘self-funding’. You may need to pay for long-term care out of your own funds if you: • Have had a needs assessment and you do not qualify for help from us to pay for your care • Have chosen not to have a needs assessment to find out if you qualify for help • Want to enhance your level of care at home or within a care home by paying a little more • Must pay the full cost of your care but your money is tied up in property
West Northamptonshire Council Residents:
www.westnorthants.gov.uk/council-tax-reductions-discounts-and-exemptions/apply-council-tax- reduction
*The above information is correct as of August 2024.
Financial Assessment
A financial assessment will help the Council understand your financial situation. They’re used to calculate: • Whether you qualify to receive any money from the Council towards your care costs • How much (if any) you can afford to contribute yourself • Whether you are entitled to any additional benefits from the state Please note: There are some circumstances and services that don’t require for you to have a financial assessment, including if you are a self-funder. Further information on Self Funders can be found below. How Adult Social Care Financial Assessments Work There’s a process the Council must follow before they can carry out a financial assessment. First, you’ll have a needs assessment so they can identify:
There are some things we can do to help you when you have to self-fund your care:
Ways to self-fund your long-term care If you have savings and assets worth £23,250 or more, or a weekly income high enough to pay for your care home fees, you will not qualify for help with your care costs. You are known as a ‘self- funder’. As a self-funder you will need to pay for the full cost of your care. We have put together some information to help you find a way to do this. How to defer your care costs as a property owner If you have value in your home that means you must pay for your own residential care you could ask us for a deferred payment agreement.
• Your care needs (often referred to as ‘eligible needs’) • What kind of care and support you need Types of Financial Assessment
This allows you to delay paying us for your care until you die, or your property is sold.
Arrange your care as a self-funder
As you are self-funding your care, you have a choice about who arranges your care. You can still ask us to arrange your care for you. www.westnorthants.gov.uk/paying-your-care/support-self-funders www.northnorthants.gov.uk/paying-adult-social-care/self-funding-residential-care Care provided by the council If you would like the council to arrange your care, the first step is to ask us to request a needs assessment. This is so they can work with you to decide what care you need.
The type of financial assessment you’ll have, and the information you’ll need to supply to the Council, depends on whether you’ll be receiving care at home or in a residential home. The two types of assessments are:
• Living at home/short stay in a care home • Long-term stay in a care home
If the needs assessment identifies that you have eligible care and support and needs (as per the Care Act 2014), you will be asked to complete a financial assessment.
You can also ask for a financial assessment to make sure you do not qualify for any help with costs.
For further information on how to apply for a financial assessment:
www.northnorthants.gov.uk/arranging-care/get-social-care-help
What you’ll pay if the council arrange your care
www.westnorthants.gov.uk/paying-your-care/financial-assessments
If you ask the council to arrange your care, you will be charged a one-off admin fee of £141 at the start of your care. West Northamptonshire charge this fee, however North Northamptonshire do
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