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Charges for Residential and Nursing care services

What are the charges?

If your care assessment shows that your needs are best met in a care home, you may be entitled to financial support from the Council to help with your care fees.

However, if you have savings and investments of more than £23,250 you will be responsible for the full cost of your placement.

You will have a financial assessment to find out how much you will pay. If you choose not to have a financial assessment you will pay the full cost of your care.

Your Social Worker will provide you with a financial assessment form to complete. You will need to provide the latest evidence of your income and savings so that a financial assessment can be completed. If this information is not provided, you will be charged the full cost for your care.

See the Financial Assessments for Residential and Non- Residential care Services factsheet for further information.

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.

How much will the Council pay for Residential and Nursing placements?

Trafford Council will pay the following amounts per week based upon the agreed Council Framework prices depending on your needs assessment:

Residential £448.13
Residential (Elderly Mentally Infirm) £483.23
Nursing £496.20
Nursing (Elderly Mentally Infirm) £557.79

However, you will then be financially assessed to see how much you can afford to pay the Council for your care. 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 2018/2019 amount is £24.90 per week.

What if I choose to move into a home that costs more than the Council Framework prices?

If you wish to move to a home that costs more than the Council Framework prices the excess amount is known as ‘Top-Up’ or ‘Third Party’. 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 a third party will need to pay the weekly ‘Top-up’ amount.

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. If this information is not provided or the Council does not agree that the payment is affordable, then the placement will not be agreed and upi will need to look for a home without a 'Top-Up' or a lower ‘Top-Up’.

You should also check what will happen if the fees increase. Will the person or organisation paying the 'Top-Up' cover the increased costs? If they do not keep making the 'top up' payments you may have to move to another home. There may also be an outstanding bill for the 'Top-Up' payments. Agreement must be reached between the Council, and the person or organisation helping to pay your fees, before any contract is signed.

However, if you own a property and it is being disregarded for the first 12 weeks after you have entered into a care home, you can pay your own ‘Top-Up’. You will need to pay the difference between the cost of the home and the Council Framework Price. The 12 weeks ‘Top-Up’ cost will be added to your billing account from week 13.

What if I choose to move into a home that costs more than the Council can pay?

You may be able to make up the difference between the cost of the home and the amount the Council can pay by:

  • Negotiating with the home for a reduction in their fees.
  • Getting someone, such as a relative, friend or charity, to agree to pay a third party 'Top-Up'.

You should also check what will happen if the fees increase. Will the person or organisation paying the Top-Up' cover the increased costs? If they do not keep making the 'Top-Up' payments you may have to move to another home. There may also be an outstanding bill for the 'Top-Up' payments. Agreement must be reached between the Council, and the person or organisation helping to pay your fees, before any contract is signed.

In general you cannot top up fees from your own savings. The exceptions to this are:

  • If your property is being disregarded for the first 12 weeks of entering into care you can pay the 'Top-Up' from your own money or saving.
  • 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.

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 it.

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 Deferred Payment Factsheet March 2018.

For information about when we will not take into account your property please see our Adult Social Care Charging Policy.

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 is set by the NHS each year.

Debt recovery

The Audit Commission report on ‘Charging for Care’ states that income collected from charges can be used to protect services, extend access and promote independence and wellbeing of clients.

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 policy called ‘Care and Residential Services Debt Management and Recovery Policy’ which covers both prevention and recovery.

This policy is specific to the debt management and recovery of the Council’s commissioned care and residential/nursing services and describes the approach that the Council will take.

Key Principles of the Policy

  1. Collection of all money due quickly, efficiently and economically, taking into account the financial circumstances and mental capacity of the client.
  2. Prevention of debt and arrears by prompt billing and collection of money due, affordable repayment plans and early intervention when a client is in arrears.
  3. Provision of a legal framework to enable legal enforcement (where necessary) to recover debts.
  4. Compliance with the Council’s Financial Regulations and Standing Orders.
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