What you need to know about paying for care and support
Information about future care costs, planning for care and what you may need to pay yourself.
Thinking about the future
If you're thinking about future care costs, you can start planning for what you may need to pay yourself.
Your own care costs, or those of someone you look after, may pay towards:
- care and support while you are living at home
- care homes
- supported housing or extra care housing
- a direct payment so you can arrange your care and support
You might be eligible for the local council to pay towards the cost of your social care if you have less than £23,250 in savings (called the upper capital limit, or UCL).
The first step is for your council to do an assessment to check how much help you need. This is called a needs assessment.
The needs assessment is free, and anyone can ask for one.
If you need care, the council will then do a financial assessment (means test) to work out what you will have to pay towards the cost of your care.
The financial assessment works out if:
- you have a contribution to pay towards your care and how much this will be
- you will have to pay the full cost of your care