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Nottinghamshire County Council - Proud of our past, ambitious for our future

Paying for a care home

Almost everyone who lives in a care home has to pay something towards the cost of it.

How much you pay depends on your income and assets (including any property you own) and how much the care home charges.

Use the links below to find information for your situation:


My income and assets are above £23,250   

If your income and assets (including any property) are greater than £23,250 you will have to pay the full cost of living in a care home. People in this situation are known as self-funders.

Property value

The value of your home will not count towards this figure if your care is temporary or someone still lives there who is:

  • your partner
  • a relative who is over 60 years old or incapacitated
  • a child under 16 who you or a former partner support.

If you have a property but your other capital is less than £23,250 and your income doesn’t cover your care home fees, we will help you with the cost for the first 12 weeks of permanent care (providing we agree that care is required).

You can get more information about being a self-funder in our factsheet Living in a care home - a guide to funding your own care [PDF].



Advice for self-funders

We strongly recommend that self-funders seek specialist information and advice and explore all of the funding options available. The funding of long-term care is likely to be one of the biggest financial decisions of your life – lack of planning could result in depletion of your assets and inheritance for your loved ones.

We are working with PayingForCare, a not for profit organisation, to provide self-funders with valuable information on all aspects of long-term care. We want self-funders to make informed choices about their care and how they pay for it.

Information from PayingForCare includes:

  • the state benefits you may be entitled to
  • the different types of care available
  • the social care system and eligibility rules
  • access to specialist advice on the best way to pay for your long-term care
  • how to set up a Power of Attorney or Will.

Telephone 0808 208 9994 for specialist advice on the best way to fund your long-term care.

PayingForCare offers help, information and advice about long term care and enables those that need regulated financial advice to make contact with specialist care fees financial advisers. PayingForCare Limited (“PayingForCare”) is registered in England and Wales (Company no. 7866192). The registered office is Regent House, 1-3 Queensway, Redhill, Surrey, RH1 1QT. PayingForCare is part of the Partnership group of companies which includes Partnership Life Assurance Company Limited, an authorised insurer.

My income and assets are below £23,250   

If your income and assets (including any property) are below £23,250 you may be able to get support from Nottinghamshire County Council. To work out how much you might have to pay we will do a community care assessment and a financial assessment. These will look at:

  • your needs
  • your income and assets
  • any benefits you are entitled to claim.

If we agree you are eligible you will be entitled to financial support up to a standard limit for the type of care provided for you.

This is a complicated area and we have produced an easy to read guide that explains clearly:

  •  how we work out what you will have to pay

  •  how benefits can help you fund residential care

  • how other people can contribute towards your fees

  •  guidance on managing your money.

Download a copy of Living in a care home - financial support from your council [PDF 636KB]

The cost of a care home    

The amount you might be charged for a care home charges depends on the quality of the home.

Each year we audit every care home in Nottinghamshire looking at factors such as the quality of care and the living environment. Each home is then put into one of five fee bands where level 1 homes are the lower quality and cheapest and level five homes are the higher quality and more expensive.

The band a home is in can change depending on the results of future audits and so the amount you might be charged may also change.

Useful sources of information

The PayingForCare website has the facility to talk to a specialist care fees adviser online and get instant answers to your queries.

Paying for long-term care in England is a useful guide to getting advice on paying for your own long-term care.

The Financial Services Authority is the national regulator for financial services. They have a telephone helpline for queries about financial services.
Tel: 0300 500 5000    Textphone: 18001 0845 606 1234

Age UK provide useful information about choosing a care home.
Tel: 0800 169 6565   Web: www.ageuk.org.uk/home-and-care/care-homes/


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