Charges for care and support, how we calculate your charge

How we calculate your charge

When we arrange social care support for you, we may ask you to pay a contribution towards it. We will carry out a financial assessment and we will ask you to give us details of your financial circumstances:

Care and support in care homes on a permanent or temporary basis

  • We look at income and capital* you have
  • From this we take away your outgoings
  • The remaining amount is how much you have available to pay for your social care services.
  • If you decide not to provide any financial information to us for the financial assessment, you will be required to make a contribution equal to the full cost of your support.

*Capital is money you have in the bank, building society, shares and investments

Adults going into a permanent care home

The value of any owned property (after 12 weeks) will also be taken into account in the financial assessment. If you own a property you may be eligible to defer care costs against the value of the property. This is known as a Deferred Payment Agreement. Details of deferred payment agreements can be found within the council's Deferred Payment Scheme Policy(139KB).

Care and support in other care settings including your own home

  • We look at income and capital* you have.
  • We compare this to the amount the government says you need to live on, plus an extra 25%.
  • From this we take away your outgoings.
  • We then take off a £5 allowance for Disability Related Expenditure.
  • The remaining amount if how much you have available to pay for your social care services. We call this your Assessable Income.
  • If you decide not to provide any financial information to us for the financial assessment, you will be required to make a contribution equal to the full cost of your support up to a maximum of £400 per week.

*Capital is money you have in the bank, building society, shares and investments. This does not include the value of your home.

Income

This is money you have coming in, such as benefits and pensions.

Capital

  • Upper capital limit £23,250
  • Lower capital limit £14,250

If you have appropriate capital valued at £23,250 or more, you will be offered a light touch financial assessment, and will be expected to make a contribution equal to the cost of your support.

If you have appropriate capital valued between £14,250 and £23,250 a full financial assessment will be provided. A tariff income will be included in your weekly income. This tariff will add £1 of income for every £250 of capital above £14 250.

If you have capital below £14,250, a full financial assessment will be provided.

Outgoings

This is the amount you spend on council tax, rent, and mortgage.

Disability Related Expenditure allowance

We allow £5 a week to cover expenses that arise because of your disability or frailty. If you feel that you spend more than this amount you should discuss this with your social worker who may arrange for an individual Disability Related Expenditure assessment for you. We will ask you to provide evidence of your expenses, such as receipts and invoices over a period of time, to support your case.

Charging

Your assessable income is the mazimum amount you will have to contribute towards the cost of any chargeable social care services that you receive. If the cost of the chargeable services you receive is less than this amount, you will only pay the cost of those services.

Services are usually provided as a Personal Budget. This is a flexible allocation of funding that is worked out based on your social care needs.

If you are assessed as able to pay towards your social care services, you will pay a fixed weekly contribution towards your Personal Budget. This amont will not change from week to week.

The amount that you contribute should be the same as or less than the actual cost of the services provided during the year. We will do an annual check to make sure this is the case. If you have paid too much for services during the year, we will refund any overpayments to you.

Reablement Services

If you are receiving Reablement Services we will normally not ask you to contribute to the cost of your reablement service for the first 6 weeks.After that, we will ask you to pay the full cost of any service you receive up to the full amount of your Assessable Income.

Further information about charges for adult care and support services is available in Newcastle City Council's Charging and Financial Assessment(167 KB)Policy.