Paying for care

Whilst health care is given for free, social care is not free.  The law says that if the Council decides that you have eligible social care needs, we can charge you for the services and support we provide to meet those needs, so we do. There are some exceptions to this where we would provide support for free. 

To work out how much you might pay, we do a financial assessment based on rules set by government. These rules make sure that contributions are reasonable and affordable. 

We will never charge you more than the assessment says you can afford, and you will never pay more than the actual cost of the services you use. 

If you or someone who knows you, think you might need help because of an illness or disability, you might benefit from an assessment to see if you are eligible for support from the Council. Contact Community Health and Social Care Direct.

A Care and Support assessment reviews how difficult you find it to :

  • eat healthy food
  • maintain personal hygiene
  • go to the toilet
  • dress appropriately 
  • be safe at home
  • keep a clean and hygienic home
  • develop and maintain family or other personal relationships
  • access and engage in work, training, education or volunteering
  • make use of services in the community, including public transport and recreational facilities 
  • carry out any caring responsibilities for a child

Care and support in care homes on a permanent or temporary basis

We will look at:

  • any income you have from benefits, pension, and other unearned income
  • any capital you have, including bank and building society accounts, shares and investments, and properties that you own or have a financial interest in
  • certain outgoings you have which reduce the amount of income you have

 

Top-ups

Care Home providers are able to charge an additional fee for services or facilities that they provide over and above those agreed in the Council’s Usual Price. This may be for a room with a better outlook or ensuite facilities, and this additional charge is referred to as a Top-up.

When you choose your care home it is necessary to establish whether a Top-up is payable and who can pay it. In certain situations you may be entitled to make this additional payment and you need to discuss this with Council staff. A Top-up may be paid by a Third Party who would need to agree to make the payment and must understand that this payment will continue for the duration of the placement. Any Top-up must be paid directly to the care home provider in accordance with their instructions.

More information on Top-ups can be obtained from Community Health and Social Care Direct.

For more information please read our Charging Policy.

 

Care and support in your home or other settings (such as supported living)

We will look at:

  • income you have from benefits, pension, and other unearned income
  • capital you have, including bank and building society accounts or shares and investments
  • outgoings you have which reduce the amount of income you have

Once we have looked at this information we will work out how much income you have available to pay for your care and support. We compare the amount of income you have available with the amount that the government says you need to live on. If the amount of income you have available is higher than the amount set by government, you will pay a contribution towards the cost of your care and support based on the difference between the two.

If you decide not to provide any financial information to us for the financial assessment, you will be required to make a contribution equal to the full cost of your support up to a maximum of £400 per week.

Paying for Care has a series of Care cost calculators to help consider your situation

 

Capital thresholds

If you have appropriate capital valued at £23,250 or more, you will be offered a light touch financial assessment, and will be expected to make a contribution equal to the cost of your support (up to £400 per week if you are receiving services outside a care home).

If you have appropriate capital valued between £14,250 and £23,250 a full financial assessment will be provided. A tariff income will be added to your weekly income. This tariff will add £1 of income for every £250 of capital above £14,250.

If you have capital below £14,250, we will not include this in the financial assessment.

For more information please read our Charging Policy.

 

How do I pay my contribution?

Once we have told you how much your contribution will be, you need to start paying it to us straight away. We will usually charge contributions from the date that you started to receive services, even if the financial assessment is completed after this date.

The easiest way to pay your contribution is by Direct Debit. Talk to Council staff about setting up a Direct Debit.

If you are receiving a service from our Reablement team you will not be charged for the first six weeks. After six weeks, you will need to pay a contribution to the cost of the service if your financial assessment says you can afford to.

The amount you pay will not usually change from week to week, and it should not be any higher than the cost of the support you receive. We will do an annual check to make sure that you have not contributed more than you should and will refund the difference if you have.

NHS Continuing Healthcare

During your assessment, staff will also consider whether you might be eligible for NHS continuing healthcare funding. If so, they will contact the Newcastle Gateshead Clinical Commissioning Group.

Did you know?

Visit InformationNOW for more on paying for care.

Need more information?

Contact Community Health and Social Care Direct

Email: scd@newcastle.gov.uk

Phone: 0191 278 8377

Mobile: 0796 8474891

Fax: 0191 278 8312

Address: Community Health and Social Care Direct,

2nd Floor,

Westgate Community Complex,

West Road,

Newcastle upon Tyne,

NE4 9LU

Opening hours: Monday to Friday, 8am to 5pm

Helpline outside normal hours: 0191 278 7878

Contact the Emergency Duty Team for out of office hours support, 5pm to 8.45am on weekdays and 24 hours at weekends

Report abuse or neglect: 0191 278 8156

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