Charges for care at home

There is a charge for Domiciliary Care, Direct Payments and Telecare, but the charge would depend on your financial circumstances. Some people pay the full charge for their assessed services, some will pay nothing for the services and others will pay something. The care will be free if:

  • you receive after care services provided under S117 of the Mental Health Act 1983
  • you are an adult who has been diagnosed with CJD
  • you are receiving a reablement service from this authority (for up to 6 weeks, or until long term care needs have been identified, if this is earlier. You may have to pay after long term care needs have been identified, depending on the outcome of your financial assessment)
  • or if your services are funded through Continuing Health Care by the Local Health Board.

The cost will vary from person to person and will depend on the result of the financial assessment and the charge for the care provided.

Service Charge Financial Assessment
Meals at Day Care Establishments £4.30 per meal Flat rate charge
Community meals £4.30 per week Flat rate charge
Lifeline - monitoring only £1.18 per week Flat rate charge
Lifeline - monitoring and pendant £2.94 per week Flat rate charge
Lifeline - monitoring and 2 pendants £3.06 per week Flat rate charge
Laundry £2.35 per load Flat rate charge
Domiciliary Care £10.55 per hour Included in the financial assessment
Direct Payments (in place of chargeable service) £10.55 per hour Included in the financial assessment
Short Term care (in a Care Home) Standard charge/Independent Sector Placement rate Included in the financial assessment
Telecare £3.08 per week Included in the financial assessment
Extra Care £10.55 per hour Included in the financial assessment
Day Care £10.30 per session* Included in the financial assessment
Supported Living £10.55 per hour Included in the financial assessment
Adult Placement - Long Term Placement £10.30 per night Included in the financial assessment
Adult Placement - Short Term/Short Breaks £10.30 per night Included in the financial assessment
Adult Placement Day Care/Sessional £2.10 per hour Included in the financial assessment
Replacement Care £10.55 per hour Included in the financial assessment
Community support £10.55 per hour Included in the financial assessment

*One Day Care session is defined as:

  • A service received before 1pm on any day, for any length of time
  • A service received between 1pm and 6pm on an day, for any length of time
  • A service received after 6pm on any day, for any length of time

A financial assessment is a calculation of what you can afford to pay towards your care.

If it is your preferred option not to give us details of your income and other assets or you refuse to provide information the Council may charge you the full cost of the care provided, up to a maximum of £70 per week (for 2017/18).

If you choose to declare your finances then you will be asked to complete and sign a financial assessment form and you will need to provide details of your income, capital and expenses. You will also need to provide proof of the information detailed on the form (e.g. bank statements, benefit notification letters); this will help us work out how much you can afford to pay towards your care.

We can help you complete the form if needed; this would normally involve a visit to your home or any other convenient place to complete the form with you and/or your representative.

We will inform you of the result of the financial assessment in writing.

If you are assessed to pay a charge you will be charged from the first day the service commenced.

We will review your financial assessment annually, unless there is a change in your circumstances, in which case we will then review the financial assessment sooner.

We will only share information in accordance with the permissions given by you and in accordance with our data protection policy.

As part of the financial assessment we will try to make sure that you are receiving all the Department of Work and Pensions (DWP) benefits you are entitled to and with your permission we will contact the DWP or another appropriate organisation and they can help you claim all of the DWP benefits you are entitled to.

Income:

Can include state benefits, occupational/private pensions (including a pension after a late spouse), annuity payments, trust income, income from investment bonds, rental income and most other incomes.  This is not an exhaustive list.  We will only include income to which you have an entitlement.

Capital:

This can include property (see 'What if I own a property?' for further information), land, savings in bank, building society or any other savings accounts (including current accounts and Post Office Card accounts), cash, premium bonds, stocks and shares, ISAs and most other forms of capital.  This is not an exhaustive list.

If you hold jointly owned capital with another person, you and the other joint owner(s) are normally treated as having equal interests in that capital.

Some capital is disregarded; this includes the first £24,000 (for 2017/18) of your assets and this amount is set by the Welsh Government each year.  This does not mean that you can retain income until your capital reaches this threshold.

Expenses:

This would include essential expenses such as rent, mortgage or council tax payments and some forms of care purchased privately where these expenses can be evidenced.

The value of your main residence is not included as part of the financial assessment, however the value of any additional properties/land etc. will be included as part of your capital.

If you are living somewhere else on a temporary basis (e.g. with a family member whilst you recover from an illness) then the value of your usual main residence would not be included as part of the financial assessment. If you are living somewhere else on a permanent basis then the value of your former main residence would be included as part of the financial assessment from the date that you first moved from the property.

What if someone jointly owns my additional property/former main residence?
We would examine documentation to confirm that the property is jointly owned and we would normally only take into account the value of your share of the property.

What if my additional property/former main residence has been transferred to someone else?
We would examine the documentation confirming this and we will ask you to provide information relating to the terms of the transfer. We will use this information to base our decision on whether the property is included or disregarded from the financial assessment.

Will I have to sell my additional property/former main residence?
You can choose whether or not to sell your property. Proceeds from a sale of property would be included in the financial assessment even if it was from the sale of your main residence.

As part of your financial assessment all of your income is considered and where applicable certain types of income are disregarded from the financial assessment.

The Welsh Government sets an amount of weekly income which has to be disregarded/excluded from the calculation.  This is currently the equivalent of basic Income Support/Guaranteed Credit, plus 35% and a further 10% for disability related expenditure.  The amount varies according to age and circumstances and for 2017/18 the amount would be:

  • Pensioner – woman (63 and over) = £231.06 per week
  • Pensioner – man (65 and over) = £231.06 per week
  • Disabled Adult - woman (25-62) = £176.25 per week
  • Disabled Adult - man (25-64) = £176.25 per week
  • Disabled Adult (18-24) = £154.21 per week
  • Disabled Adult – woman (25-62), in receipt of Employment Support Allowance = £182.05
    per week
  • Disabled Adult - man (25-54), in receipt of Employment Support Allowance = £182.05
    per week
  • Disabled Adult (18-24), in receipt of Employment Support Allowance = £160.01 per week

These figures can increase where additional different benefits are received.

Within the financial assessment there are other forms of benefit and income which are disregarded from the financial assessment.  Examples are:

  • all mobility components of Disability Living Allowance and Personal Indepedence Payment
  • the first £25 of War Widows/Widowers pensions
  • all of the War Widows supplementary pension
  • all of the War Disablement pension
  • all earnings
  • all of the Armed Forces Independence payment
  • all of the Guaranteed Income Payments made under the Armed Forces compensation scheme
  • up to £5.75 of savings credit (part of pension credit)  This is the amount for 2017/18 and this amount is set by the Welsh Government.
  • 25% of the day care element of DLA Care Component and Attendance Allowance, PIP Daily Living and all of the night care components of such benefits

This is not an exhaustive list.

As part of your financial assessment all of your capital is considered and where applicable certain types of capital are disregarded from the financial assessment.

Each year the Welsh Government sets an amount which must be disregarded from the calculation. The amount for 2017/18 is £24,000.00. The value of capital in excess of this figure is included in the financial assessment. If your capital is below this figure then it does not mean that you can retain income until your capital reaches this threshold.

In addition, capital received in the form of ex-gratia payments made to former Far Eastern POWs, payments made under the Vaccine Damage Scheme and some payments made by charities, trusts etc will also be excluded from the financial assessment. This is not an exhaustive list. Please contact the Assessment Team for further advice.

If you gave away savings, money or other assets or sold a property at less than its value before receiving care, or whilst receiving care then we may assess you as though you still have the full value of the asset. The person who benefits may become liable for any unpaid charges.

We will ask you about the timing, reason, recipient and the monetary value of the transfer and use this information to base our decision on whether the asset is included or disregarded from the financial assessment.

The Council can allow additional expenses for the costs of personal care purchased from a registered care provider, or the cost of an emergency personal alarm system (e.g. Careline) where proof of this expenditure is provided.  Other forms of expenses maybe considered but will be dependent on circumstances.

You should inform us if you get an increase or decrease in your benefits, you get any new benefits, if you benefit from an inheritance or any other transfer, or if your savings/capital has gone above or falls below the maximum capital threshold (currently £24,000 for 2017/18) or if you incur new or additional expenses as a result of a change in your care needs.

Direct Payments

Your assessed weekly charge will be deducted from the payment that the council makes to you.  You will be expected to pay your contribution in to your Direct Payments account to ensure that you have enough money to pay your Personal Assistant and for services.

By Invoice - For non residential services (other than for from Direct Payments)

The invoice would be based on your assessed weekly charge.  The council invoices for non-residential services on a four weekly basis and in arrears, however if you only have a Telecare service then the invoices issued on a quarterly basis and in arrears.  The invoice should be paid within 21 days.  If you have any outstanding invoices then the Council will also send you a statement of outstanding invoices approximately a week after payment is due.

How do I pay my invoice?

There are various ways that you can pay an invoice.  If you choose to pay by Direct Debit you will still have an invoice and the payment will be collected from your bank account approximately 21 days later.

What happens if I don't pay?

If the invoice(s) remains unpaid the Local Authority will pursue these through its debt recovery arrangements.

Do you charge interest on any charges or debts?

The authority does charge interest in certain circumstances.

If you think that the Financial Assessment or invoice is incorrect, you should contact us and we will review our calculation and consider any information that is provided at that time.

If you are still unhappy with the outcome then the staff can explain the steps you should follow next.