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Cost of Care Cap

The Government have announced that the Charging Reform, which includes a cap on care costs and changes to savings thresholds, is delayed until 2025. We will issue Sefton specific information in due course, until then, further information on Charging reform can be found on the government website, or by copying the below link into your browser:

Paying for Care

If you use care and support services, it is very likely that you will pay for the cost yourself. 

If you have savings or investments over £23,250, either in your own right or shared with your spouse/partner, you will have to pay the full cost of the residential care or nursing home.

If you have less than £23,250, you will pay towards the cost of your residential care or nursing home. This will follow an assessment to decide how much you need to pay.  

Anything less than £14,250 is ignored. However, if you have between £14,250 - £23,250 we will apply a tariff income. This assumes that you can afford to pay £1 for every £250 between these amounts. This will form part of your contribution towards the cost of your care home.

Paying for care can cause concern for individuals and families. It is important to understand the different types of care and the funding available. 

This can be made more difficult when someone lacks the mental capacity to manage their own finances, click here to find out more. 

Click the link for a full list of Fees and Charges


Direct Payments

Care can be funded by a Direct Payment. A Direct Payment is a payment that allows you to organise care services yourself, enabling you to choose the services that are appropriate to your needs as set out in your Support Plan.

By giving the individuals money in place of social care services people have a greater choice and control over their lives, and are able to make their own decisions over how their care is delivered.

You can find more info on our dedicated Direct Payments page.


Residential Care 

Paying for residential care


Non-Residential Care 

Paying for non-residential care


Deferred Payments 

A Deferred Payment Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential or nursing home – but cannot afford to pay this as most of your capital is tied up in your home.


Top Up Payments 

Each care home in Sefton sets its own fees. Some care homes will charge higher
fees for additional services they provide e.g. they may provide bedrooms with en-suite

If you choose a care home with higher fees, then a relative, friend or another
organisation can agree to pay the difference.

This is sometimes called a Top-up Payment

Last Updated on Wednesday, May 8, 2024

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