If you are over 65, living in Scotland and have been assessed by the Social Work Service department of your Local Authority as needing care at home, they will provide it free of charge, although you will still need to pay for non-personal care such as;- cleaning, day care, laundry, meals on wheels etc. yourself. This doesn't affect your entitlement to Attendance Allowance or Care component of Disability living allowance.
If you are under 65 it is means tested and each local authority apply different criteria as to who they will help dependent on need.
The cost of care in a care home in Scotland is broken down into three constituent parts.
Providing your needs have been assessed and agreed by your local Social Works Department, they will make flat rate contributions towards any Personal and if necessary Nursing Care you require regardless of financial means. The current rates are:
£193.50 per week Personal Care contribution and an additional
£87.10 per week if Nursing Care is required (2021/2)
Please Note: Personal Care contribution is only made if you are over 65 and if you take it, you lose any entitlement to Attendance Allowance or the Care Component of the Disability Living Allowance/PIP you may have been receiving.
A Financial means test is only carried out to determine whether you have to pay for any "Hotel" or accommodation costs.
Those with personal capital assessable assets (and 50% of any jointly held assessable assets) exceeding £28,750 (2021/2) have to pay for all of their accommodation costs.
Only those currently below: £18,000 (Scotland-2021/2) qualify for the maximum Local Authority budget, often known as the standard rate or contract rate. During 2021/2 this sets the standard rate at
£762.20 a week for nursing care
£653.79 a week for residential care
Of course you can choose a care home which charges above this standard rate for “Hotel” costs but you or a third party, will have to pay the difference.
Even if you do qualify for this standardised rate, you have to put all of your income* (minus a Personal Expenses Allowance currently, £29.30 per week Scotland 2021/2) and most state benefits, towards it.
*If you are married or have a civil partner who needs some of your pension to remain living at home, you will also be allowed to keep - 50% of any private/occupational pensions you receive- but only if you do pass at least 50% to them, (anything less would be ignored).
Savings between £18,000 - £28,750 (2021/2)
Those whose capital exceeds the lower threshold £18,000 but doesn’t exceed the Upper Threshold of £28,750 will have the value of any capital which exceeds the lower limit, theoretically converted into extra “tariff income” at a rate of £1 extra “notional income” for every £250 worth of capital exceeding the lower limit.
This theoretical tariff income is then added to any actual income received or you are eligible for, to see if your combined income minus your personal allowance exceeds the standard /contractual rate the Scottish Government has agreed for the relevant care needed (£762.20 for nursing or £653.79 p.w for residential care – 2021/2) . If it does, you would need to pay for your own care until your capital reduced to such a level as the “income” didn't meet the standard rate.
If your combined income, is lower, then your local social works department will pay the standard or contractual rate but would expect you to pay them all of your income except the Personal Expenses Allowance and 50% of any private pension but only if you need to and do pay this to a spouse or partner to live on.
Savings greater than £28,750 (2021/2)
If your capital does exceed £28,750 you will need to pay for your own accommodation.
If this is the case but you would like to ensure that at least some of your hard earned capital preserved for your beneficiaries then it would pay you to get your FREE no obligation Care Fees Annuity quote .
If you need to pay for your own care, it would pay you to speak to one of Care Financial’s professional care fee advisers today on 01476 589 565 or request an appointment below.
If you need to pay for your own care a care fees annuity can be a great way of avoiding running out of money and ensuring you can continue to receive the care you or your relative deserves.
Discover just how much a care fees annuity would be, simply by asking us to obtain your quotes, simply by providing your details here.
Please note: These plans are not offered direct by the insurers
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