If your care assessment shows that your needs are best met in a care home, as a temporary or permanent resident, you may be entitled to financial support from the Council to help with your care fees.
How much does it cost?
Trafford Council will pay the following amounts per week based upon the agreed Council Framework prices depending on your needs assessment:
How much you will pay will depend on your financial assessment. The financial assessment team will also check that you are receiving all the Social Security Benefits you are entitled to.
Your Social Worker can refer you for a financial assessment or you can contact the team directly on 0161 912 2106 or by email: email@example.com
If you choose not to have a financial assessment we will ask you to pay the full cost of the services you have.
Payments for care services can be carried out online.
When carrying out a financial assessment for those receiving Residential and Nursing Care services, the Council will leave the service user with a minimum amount of income. This is called the Personal Expenditure Allowance (PEA). This amount is set nationally each year; the 2021/2022 amount is £24.90 per week.
See the Financial Asessments for Residential and Non-Residential care services factsheet for more information.
Will my savings affect the cost?
If you have savings and investments of £23,250 or more you will be responsible for the full cost of your placement.
What if I choose to move into a home that costs more?
If you wish to move to a home that costs more than the Council Framework prices the excess amount is known as ‘Top-Up.’
The Care Act 2014 states that you must not pay for this yourself if you have under £23,250 in capital or a property. Therefore you will either need to negotiate a reduction in your fees with the home, or a third party (such as a relative, friend or charity) will need to pay the weekly ‘Top-up’ amount.
We need to be certain that you have enough money or equity in your house to top up your care for as long as you need.
In general you cannot top up fees from your own savings. The exceptions to this are:
- You can pay your own ‘Top-Up’ if you own a property and it is being disregarded for the first 12 weeks after you have entered into a care home.
- If you are on the Deferred Payments Scheme and the Council has agreed to pay the cost of your accommodation including the 'Top-Up', which will be recovered when your property is sold.
Third party 'Top-up'
The third party will need to supply information about their income and expenditure to ensure they can afford to pay this Third Party ‘Top-Up’ to the Council.
You should also check what will happen if the fees increase. Will the person or organisation paying the 'Top-Up' cover the increased costs?
Agreement must be reached between the Council, and the person or organisation helping to pay your fees, before any contract is signed.
I have a house, how will this be treated within my Financial Assessment?
The Council will disregard your property for the first 12 weeks from the first date you have moved into the home. The Council will then take your property into account as capital from week 13 and therefore charge you the full cost of your care.
The Council offers a Deferred Payment Scheme – please see the deferred payment factsheet March 2018.
For information about when we will not take your property into account please see our Care and Support Charging and Financial Assessment Framework.
Discharge to assess
If you have been placed temporarily in a Residential Discharge to Assess bed this service is free for up to three weeks.
If you have been placed temporarily in a Nursing Discharge to Assess bed this services is free for up to four weeks.
Your Social Worker or social care assessor will be able to tell you if you are getting either of these services. However, if your Social Worker completes an assessment during the first three weeks and the result is that that you will require a longer term placement you will be charged from the date of this assessment i.e. earlier than the three weeks end date.
Will the NHS pay towards nursing care?
If you are assessed as needing nursing care, the NHS will pay the Funded Nursing Care element towards your care directly to the care home. This amount is set by the NHS each year. Find out more about NHS Continuing Health Care.
Trafford Council needs to show to residents, elected members and tax payers of the Borough that it collects all income due from whatever source as effectively and efficiently as possible.
Effective financial management is fundamental to being able to fund the quality of services the Council provides.
The best method of debt collection is the prevention of debt. The Council has a Care and Residential Services Debt Management and Recovery Policy which covers both prevention and recovery.
If you are looking for financial advice, struggling with debt problems, or concerned about getting behind with bills, there are a number of organisations in Trafford that can help with managing your money.
This authority is under a duty to protect the public funds it administers, and to this end may use the information you have provided to us for the prevention and detection of fraud. It may also share this information with other bodies responsible for auditing or administering public funds for these purposes. For further information on data matching to prevent and detect fraud and corruption see the Council's Level 2 National Fraud Initiative Privacy Notice. For further information you can also refer to Trafford Council’s own Privacy Notices.