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Paying for care at home


Examples of common financial assessments

Example 1

Aged 18 to pension age

Peter is 37 years of age, has a learning difficulty and lives in a privately rented flat in the community on his own. Peter’s personal budget (the cost of his care) has been set at £454.00 per week. This is for 1 hour per day personal care, 14 hours per week flexible enabling and 2 days per week attending a day centre.

Section 2: Capital savings and investments

  • Peter has no capital, savings or investments

Section 3: Income (weekly)

  • ESA: £191.45
  • PIP Daily Living Component Enhanced: £85.60
  • PIP Mobility Component Standard: £22.65

Total = £299.70

Section 4: Household-related expenditure (weekly)

  • Top up rent: £10.00
  • Council Tax: £6.00
  • Contents insurance: £1.27

Total = £17.27

Section 5: Disability-related expenditure

  • Cleaner: £20.00
  • Mobile phone: £2.31 (based on a £10.00 per month ‘pay as you go’ tariff)
  • Broadband connection: £4.61 (basic £20.00 per month)

Total = £26.92

Peter’s cleaner, mobile phone and broadband connection have all been verified as eligible disability-related expenses within his Your Care Act Assessment.

Assessment calculation:

  • Total weekly income: £299.70
  • Less disregarded weekly income: £22.65 (PIP Mobility Component)
  • Less weekly housing-related expenditure: £17.27
  • Less weekly disability-related expenditure: £26.92
  • Less weekly MIG: £151.45**

Assessed weekly contribution = £81.41

Peter has been financially assessed as being able to pay £81.41 per week towards the £454.00 weekly cost of his community care and support. This is his ‘assessed weekly contribution’.

Example 2

Aged 18 to pension age

Fiona is 46 years of age, has a physical disability. Fiona lives with her parents who are in their 70’s and who own their property.

Fiona’s Personal Budget (the cost of her care) has been set at £582.00 per week for 1 hour per day personal care and 5 hours per day Monday to Friday for 1-2-1 enabling support.

Section 2: Capital, savings and investments

Although Fiona has savings of £4,000, the sum is below the lower capital limit of £14,250 meaning her savings are fully disregarded in the financial assessment calculation process.

Section 3: Income (weekly)

  • ESA: £127.15
  • PIP Daily Living Component Standard: £57.30
  • PIP Mobility Component: £22.65

Total = £207.10

Section 4: Housing-related expenditure (weekly)

  • Fiona pays a 1/3 of the Council Tax: £9.30
  • Fiona pays a 1/3 of the building and contents insurance: £1.43

Total = £10.73

Section 5: Disability-related expenditure (weekly)

  • Chiropody: £4.17 (£25.00 every 6 weeks)

Total = £4.17

Chiropody has been verified as eligible disability-related expense within her Your Care Act Assessment, as being essential for mental and physical wellbeing.

Assessment calculation:

  • Total Weekly Income £207.10
  • Less disregarded weekly income: £22.65 (PIP Mobility Component)
  • Less weekly housing-related expenditure: £10.73
  • Less weekly disability-related expenditure: £4.17
  • Less Weekly MIG: £151.45**

Assessed weekly contribution = £18.10

Fiona has been financially assessed as being able to pay £18.10 per week towards the £582.00 weekly cost of her community care and support services. This is her “assessed weekly contribution”.

Example 3

Over pension age

John is 73 years of age, he lives with his son and daughter who own their own home. John’s personal budget has been set at £225.00 per week for 5 x days attendance at a local day centre.

Section 2: Capital, savings and investments

John’s savings of £16,300 exceed the lower capital limit of £14,250 meaning a tariff of £1 for every £250 over the lower capital limit is applied.

£16,300 – £14,250 = £2,050 ÷ £250 = 9 (rounded up).

Section 3: Income (weekly)

  • State Retirement Pension: £186.35
  • Attendance Allowance: £85.60
  • Occupational Pension: £66.60
  • Tariff Income: (on savings of £16,300) £9.00

Total = £347.55

Section 4: Housing-related expenditure (weekly)

  • John pays a 1/3 of the Council Tax £10.51
  • John pays a 1/3 of the building and contents insurance £7.64

Total = £18.15

Section 5: Disability-related expenditure (weekly)

  • Pendant alarm: £4.25
  • Chiropody: £5.83 (£35.00 every 6 weeks)

Total = £10.08

John’s pendant alarm and chiropody are both verified as eligible disability-related expenses within his Your Care Act Assessment.

Assessment calculation:

  • Total weekly income: £347.55
  • Less weekly housing-related expenditure: £18.15
  • Less weekly disability-related expenditure: £10.08
  • Less weekly MIG: £189.00**

Assessed weekly contribution = £130.32

John has been financially assessed as being able to pay £130.32 per week towards the £225.00 weekly cost of his community care and support services. This is his assessed weekly contribution.

Example 4

Over pension age

Helen is 86 years of age, she lives in a sheltered housing bungalow that she owns. Helen’s personal budget has been set at £350.00 per week for 2 ½ hours per day personal care at home 7 days per week.

Section 2: Capital, savings and investments

Although Helen has savings of £13,750 the sum is below the lower capital limit of £14,250 meaning her savings are fully disregarded in the financial assessment calculations.

Section 3: Income (weekly)

  • State Retirement Pension: £140.00
  • Guaranteed Pension Credit: £87.30
  • Attendance Allowance: £85.60

Total = £312.90

Section 4: Housing-related expenditure (weekly)

  • Building and contents insurance: £2.60
  • Compulsory maintenance charge: £14.42 (£750 p/a)

Total = £17.02

Section 5: Disability-related expenditure (weekly)

  • Pendant alarm: £3.95
  • Chiropody: £5.83 (£35.00 every 6 weeks)
  • Cleaner: £26.00
  • Excessive laundry powder costs: £3.75 (maximum allowance)
  • Powered wheelchair service plan: £2.88 (£150 p/a)

Total = £42.41

Helen’s pendant alarm, chiropody, cleaner, laundry powder costs and wheelchair service plan have been verified as eligible disability-related expenses within her Your Care Act Assessment.

Assessment calculation:

  • Total weekly income: £312.90
  • Less weekly housing-related expenditure: £17.02
  • Less weekly disability-related expenditure: £42.41
  • Less weekly MIG: £189.00**

Assessed weekly contribution = £64.47

Helen has been financially assessed as being able to pay £64.47 per week towards the £350.00 weekly cost of her community care and support services. This is her assessed weekly contribution.


** The MIG (minimum income guarantee) rates are set annually by the Department of Health and represents the sum of money we automatically disregard from your weekly income to meet all your daily living costs. The MIG rates will vary depending on your age and what benefits you receive. The rates have been fixed at the Income Support Applicable Amount + 25% figures since 2015.


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