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Financial assessment

Temporary stay in a care home financial assessment

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    Introduction

    As part of the assessment process for arranging care and support, if you are staying in a residential care or a nursing home on a temporary basis, we’ll offer you a temporary resident assessment.

    You are classed as a temporary resident if you:

    • have been in hospital and are unable to return home until you have recovered
    • have already been staying in a care home as a ‘respite’ resident, but your total length of stay will exceed your ‘respite’ care allowance
    • do not need to live in a care home long-term (with no plan to return home).

    Step 1: Your assessment appointment

    Shortly after your needs assessment, we will contact you to arrange a telephone appointment for your financial assessment.

    Read step 2 below to find out what you need to do to prepare for your appointment

    Step 2: Your assessment - what we need to know

    To carry out a financial assessment, we need some information about you and your finances. We also need to know about anyone who is involved in your financial decisions.

    You can find out more about the information we require below.

    We recommend that you have any related documents ready to hand for your telephone appointment. This will help you to provide all the information we require and allow us to correctly calculate how much you can afford to contribute to your care.

    We'll also consider:

    Step 3: Share your financial documents with us

    At the end of your telephone assessment, the person assessing you will advise on the best way for you to share your financial documents. This is usually by one of the following methods:

    Please note: you will need to include your PID reference number with any proofs you supply.

    Step 4: After your assessment

    We will send you an assessment letter that:

    • confirms the details of your financial assessment
    • tells you how much you are required to pay towards your care
    • provides details of how to pay us.

    Check the details

    It is important that you check the details of your assessment letter. If anything is missing or incorrect, it may make a difference to the amount you must pay towards your care. Any difference will be backdated to the start of your care and you may need to repay us.

    Find out how to report missing or incorrect information

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    Personal details

    As well as your contact information, we need the details of anyone who is involved in your financial decisions, such as:

    • your power of attorney
    • deputy or financial representative.

    You must also provide us with any of the following documents that apply to you:

    • power of attorney documentation
    • appointee forms
    • court of protection order.

    Benefits and allowances

    You must tell us about all of the benefits or allowances you receive, however we will only take some of them into account when we calculate your contribution.

    Some examples of what we take into account:

    • universal credit
    • income support
    • employment and support allowance (ESA)
    • armed forces independence payment
    • attendance allowance
    • personal independence payment (PIP) daily living component
    • disability living allowance (DLA) care component
    • industrial injuries disablement allowance.

    We do not take these benefits and allowances into account (but you must still tell us if you receive them):

    • working tax credit
    • disability living allowance (DLA) mobility component
    • personal independence payment (PIP) mobility component
    • child benefit
    • child tax credits
    • guarantee income payments from the armed forces compensation scheme.

    You must provide us with:

    • your latest benefit entitlement or award letter from the Department for Work and Pensions for the current financial year (April to March).

    Extra benefits and allowances

    Some benefits, such as attendance allowance, are there to help you pay for care and support. Please make sure that you apply for every benefit or allowance that you think you qualify for. Learn more about benefits.

    If you are unsure, please ask for help during your financial assessment appointment. We can advise what you may qualify for and support you to apply.

    Please note: we will still include the money you could claim for in your financial assessment - even if you have not claimed for it.

    Outstanding benefit claims

    If you are waiting for a decision to be made about a benefit that you have applied for, please contact us as soon as you know the outcome. This will help us to confirm you are paying the correct contribution towards your care.

    Pensions

    You must tell us about all pension-related income, however not everything will be taken into account when we calculate your contribution.

    Some examples of what we take into account:

    • state pension
    • occupational pension or private pension
    • guarantee credit (pension credit).

    We do not take the following into account (but you must still tell us if you receive it):

    • savings credit (pension credit)

    You must provide us with any of the following documents that apply to you:

    • latest benefit entitlement or award letter from the Department for Work and Pensions for the current financial year (April to March)
    • verification of a private pension
    • paperwork relating to a deferred pension or annuity.

    Other income

    You must tell us about any other income you receive, however not everything will be taken into account when we calculate your contribution.

    Some examples of what we take into account:

    • rental income from property or land
    • student finance
    • any other income you receive.

    We do not take the following into account (but you must still tell us about it):

    • earnings from a job.

    You must provide us with all of the following documents that apply to you:

    • evidence of rental income
    • proof of student loan
    • current bank account statements detailing other income.

    Savings and investments

    We need to know about any savings and capital you have. This means:

    • cash
    • money in a bank or building society
    • shares.

    You must provide us with all of the following documents that apply to you:

    • bank account statements
    • savings account statements
    • bond certificates
    • life assurance bond certificates that show whose lives are assured - plus any income you have received to date
    • share certificates
    • national savings certificates
    • investment or trust documents.

    Housing costs

    We need to know about your share of expenses relating to:

    • council tax
    • rent
    • mortgage
    • utility bills
    • insurance.

    You must provide us with all of the following documents that apply to you:

    • housing benefit or council tax award letter
    • paperwork showing how much you pay for rent, service charges, mortgage and council tax
    • rental agreement or housing association breakdown showing other costs included in your rent and service charges
    • last 4 utility bills showing your annual heating and power costs
    • water, sewerage, buildings and contents insurance bills (proof of Direct Debit payments will be accepted).

    Property or land that you own

    The home you live in

    We need to know if you own the property that you live in as your main or only home. However the value of this property is not taken into account as we expect you to return to your home.

    Other properties or land you have a beneficial interest in

    If you have a beneficial interest in any other property or land - meaning you are entitled to a share in the proceeds from its sale - this is considered as an investment. The value of your share in that property or land will be included in your financial assessment and contribute to your financial assets total.

    You must provide us with all of the following documents that apply to you for extra properties or land that you have a beneficial interest in:

    • latest mortgage statement
    • equity release documents
    • proof of joint ownership
    • proof of any property previously owned in the last 2 years.

    Personal expenses allowance

    Someone who lives in a care home has all their day-to-day expenses covered within their residential or nursing home fee. This means the minimum income guarantee used in the financial assessment calculations for someone living at home does not apply to care home residents.

    Instead, each year the government sets a minimum income amount that you should have after paying for, or contributing to, the cost of your care home. This is as follows:

    • 6 April 2026 to 4 April 2027: £31.80 per week.

    Please note: you have more than this amount left if you receive an income that is disregarded in the financial assessment, such as the mobility component of disability living allowance (DLA) or personal independent payment (PIP).

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