If you fund your own care you can select any independent care provider without informing social services but if eligible for financial support then your care needs must be assessed by the local authority who must offer a choice of independent or public sector care. If you are not funding your own care then before you move into care you will need to have a financial assessment by your local authority who will look at your income and capital and decide how much you will pay towards care home fees.
Examples of income include:
Private and/or State Pension
Benefits like Pension Credit; Attendance Allowance; care element of the Disability Living Allowance
Your capital might include:
Savings, investments, any property you might own (e.g. home or holiday home)
Before your financial assessment, make sure you're getting all benefits you're entitled to. This is important because your contribution to care fees will be worked out as if you're receiving all relevant benefits. If you get the mobility component of Disability Living Allowance, you will keep getting it.
If you live in England and have over £23,250 in capital you may be assessed as being able to meet the full cost of your care.
Capital is counted as generating income according to the following table:
|Amount of capital you have||How your capital is used to calculate your contribution to your care home fees|
|Over £23,250||You will be assessed as being able to meet the full cost of your care|
|Between £14,250 and £23,250||Capital between these amounts will be calculated as providing you with an income of £1 per week for every £250 of your savings|
|£14,250 or under||Your capital will be ignored in calculating how much you have to contribute to the cost of your car|
The choice of care provider is entirely yours even if you will be fully supported and funded by the Local Authority Social Services.