How we find out if we will pay towards the cost of your care and support.
The financial assessment will be different based upon whether you will be receiving care services in your own home, which includes short breaks away, or if you will be in a residential care home or a nursing home.
The financial assessment will be carried out by one of our financial assessment officers. It usually takes place over the phone or as a face-to-face meeting, in your own home or at a BCP Council office if you prefer.
The assessment is made up of different sections as below.
We will ask you to provide information and evidence about your savings and any other assets you have. These could include:
- bank/building society/Post Office accounts
- property you own
- Individual Savings Accounts (ISAs), bonds or trusts
- life assurance bonds
- stocks and shares
- Premium Bonds
If you give away assets to avoid paying the full fees, the value of these assets will still be included in your assessment.
Income (any money you receive)
We will ask you to provide information and evidence of any money you have coming in including:
- state pension
- private pension
- occupational pension
- Disability Living Allowance/Personal Independence Payment
- Income Support
- Attendance Allowance
- annuities or trust income (savings income)
Housing related costs
We will ask you to provide information and evidence of any money you spend relating to your home including:
- mortgage payments
- rent (that you pay)
- council tax
- service charges/ground rent, if these apply
- buildings insurance (that you pay)
Other housing related expenses such as gas, electric, water or food are not included. This is because an allowance is made for these in our calculation. The government sets a minimum amount for this.
Disability related expenditure
This only applies if you will be receiving care in your own home and will not be going into a residential home.
Disability related expenditure (DRE) refers to outgoings you have as a result of your disabilities, and which enable you to maintain your independence.
DRE can be particular expenses you have because of your disability, such as adaptations to clothing, or may be the extra amount you pay for usual household expenses, above what a usual amount would be. For example:
- extra cost of electricity, gas or other fuel bills
- extra cost of water bills
- extra cost of laundry products
- assistive living items
If you feel you do have an expense that should be considered as DRE you may need to provide evidence such as receipts or a letter from your GP or other health or social care professional.
It is a good idea to check if some of your expenses are covered by the NHS as we would not usually treat these types of costs as DRE. For example, the NHS can cover the cost of some footcare services (opens in a new window).
This only applies if you are, or will be, going into a residential care home.
If you meet our eligibility criteria for help and you own, or part own, the property that you live in, we will normally take its value into account as part of the financial assessment.
However, your home won't be counted as capital if certain people still live there.
- your husband, wife, partner or civil partner
- a close relative who is 60 or over, or incapacitated
- any child(ren) you have under the age of 18
If the relative stops living in the property, we will take its value into account at that time.
Should you choose to sell your property, the proceeds from the sale will be taken into account as part of your capital.If you choose to keep your property, you can apply to us for a Deferred Payment Agreement. This is a loan from us, secured on your property, and will help to pay your care home costs. If you don't want (or are not eligible for) a Deferred Payment Agreement, you will need to find some other way to meet the full cost of your care home.
We will contribute the difference between your income and the care home fee for up to 12 weeks from the date of you going into the home. This gives you time to make choices about how you would like to pay for your care after these 12 weeks. Usually this would be either paying the full cost of the care yourself, or taking out a Deferred Payment Agreement with the council.
If you think you meet the eligibility criteria for our services you should request an assessment and a financial assessment. It is important to understand that most people will have to pay something towards the cost of their care. You may be eligible to receive financial support from the council if you have savings or investments (available capital) of less than £23,250.
Once completed, if we agree that you are eligible for help, you will be provided with an estimated care budget. This will tell you how much we will contribute to your care and how much your own contribution will need to be.
Care and Support Planning
We will then develop a support plan with you. This helps you to think about how you want to use your estimated care budget to get the care and support you need.
A personal budget will be set once your support plan has been agreed.
You can print off and use this checklist to think about the information you will need to provide and the documents you need to have available.
|Write here the amounts you receive or pay each month||Tick to confirm you have the evidence for this information, for example, a copy of the bills|
|Pension statements (state and/or private)|
|Disability Living Allowance (DLA) or Personal Independence Payment (PIP) statement|
|Income Support statement|
|Attendance Allowance statement|
|Savings - bank statements, passbooks or certificates|
|Property ownership records|
|Unit trusts/ISA statements or certificates|
|Life Assurance bonds|
|Stocks and shares certificates|
|Council tax payments|
|Fuel bills (gas, electric, oil, solid fuel)|
|Other (please detail):|