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Paying for residential care

If your needs are met within a residential care home, you can find more information on the Warwickshire County Council website or in our leaflet on Residential Care Homes (PDF, 262 KB).

If you are assessed as needing to contribute to the cost, you can choose to pay this from your income and savings, or you may be eligible for the deferred payment scheme.

A deferred payment agreement is a form of loan. It is an arrangement with the council that enables you to use the value of your home to help pay care home costs. If you are eligible, we will pay your care home bills on your behalf. You can delay repaying us until you choose to sell your home, or until after your death. Deferred payment agreements will suit some people’s circumstances better than others.

You may be eligible for a deferred payment agreement if:

  • you are receiving care in a care home (or you are going to move into one soon)
  • you own your own home (unless your partner or certain others live there)
  • you have savings and investments of less than £23,250 (not including the value of your home or your pension).

For those living in residential care, the Personal Expenses Allowance applies rather than the Minimum Income Guarantee. The allowance which is set by the government is often used by those living in residential care to purchase personal items such as toiletries, newspapers, clothing etc.

Disability related expenses do not apply to those people who live in residential care homes.

 

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