Paying for care
If you, or your family member, have care and support needs and feel services are required to meet those needs, then you also need to consider how you are going to pay for that provision.
Tell us about yourself
The first thing you should do is complete an 'Adult Social Care Self Needs Assessment'.
This is where you tell us about any conditions or disabilities you have which effect your wellbeing.
Complete a Adult Self assessment here (Opens in a new window)
Birmingham City Council then assesses this against the criteria set out in the Care Act 2014 to determine who can be provided with support services.
If at this time you do not meet the level of need set out in the guidance, we can still let you know about services you can employ privately to provide the support you are looking for.
Paying for care
Unlike the NHS where health care services are free at the point of need, Adult Social Care services are means tested. To obtain state funding you must have eligible needs (based on national criteria) as assessed by an Adult Social Care worker; but also fall below the agreed national financial thresholds. For example, the amount of financial help you are entitled to is affected by your savings, investments, benefits and earnings.
If you are paying the full cost of your care directly to the person providing your care (for example, home care agency or residential home) you are known as a 'self-funder'.
If you are self funding, it is usually because:
- you do not want a social care assessment
- you have chosen not to approach social care services for help
- you do not want to be financially assessed
- you have had a social care assessment but are not currently eligible for care and support services
- you have had an assessment which shows you are eligible for support, however your savings and assets are above the threshold set by the Government
Savings and capital threshold
If you have £23,250 or more in capital, savings or assets, you will be expected to pay the full cost of your care and support services.
Under some circumstances, you may be able to get help towards your nursing home fees through NHS Continuing Healthcare, or a contribution towards the nursing costs in a care home.
More information on NHS Continuing Healthcare (opens in a new window)
Deferred payment scheme
The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential care, but cannot afford to pay the full weekly charge because most of your capital is tied up in your home.
You need to have your care needs assessed and your financial eligibility determined before a Deferred Payment Agreement can be considered.