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Paying for care and services

The information below tells you about paying for your care in Suffolk from April 2015.

Paying for your own care – paying for your own care if you have savings and capital over £23,250

Under the current rules if you have savings and capital over £23,250 you will not normally be able to get any help from Suffolk County Council (SCC) with the cost of your care. This applies both to care and support in your own home and care in a residential or nursing care home. There is some information about how we work out the amount of your savings and capital in our Savings and capital factsheet.

If you are going in to a residential or nursing care home, or very sheltered housing and you own a property and your other capital and assets total less than £23,250, you may be able to ask for a deferred payment agreement. Deferred Payment Agreement FAQs

Advice

If you have savings and capital over £23,250 we would strongly recommend that you discuss your finances with an independent care funding adviser and explore all the options available to you. They will be able to help you to make informed decisions about planning and funding your long-term care.

There is advice about how to find an independent financial adviser to talk to about funding long-term care available from the Money Advice Service.

You can also get useful information from:

N.B. Suffolk County Council is not responsible for advice provided by any advice service

You can find out about how to find a suitable residential or nursing care home from Age UK.

Some people can get the cost of their care home paid for by the NHS. Find out more about NHS continuing healthcare or contact the National NHS Continuing Healthcare Information and Advice Service

Paying for care in a residential or nursing care home if you have capital and savings of less than £23,250

If you have capital and savings of less than £23,250 you may be able to get help with the cost of your care home.

You will need to have an assessment to confirm that a care home is the right place for you. To arrange an assessment contact Customer First, by using the orange webchat button at the right hand side of your screen.

We will also need to have some information about your income and savings so that we can work out what help you can get towards the cost of your care home.

You will be asked to fill in a Financial Declaration Form called an AF1.

The person who is helping you to arrange your care service may be able to help you with the form, or may be able to arrange for a visiting officer to come to see you. The visiting officer will also be able to make sure that you are getting all of the benefits and tax credits that you are entitled to.

If you have someone who helps you to look after your money because they get your benefits for you for instance, or because they have Power of Attorney for you, you can ask them to help you to fill in the form.

If your circumstances change you need to tell us 

Some people can get the cost of their care home paid for by the NHS. Find out more about NHS continuing healthcare.

Care in your own home, supported or very sheltered housing if you have capital and savings of less than £23,250

If you have capital and savings of less than £23,250 you may be able to get help with the cost of care and support that you have in your own home from SCC. This includes other services that we may help you with such as a direct payment or a day care centre.

We will need to have some information about your income and savings so that we can work out what help you can get towards the cost of your care and support. You will be asked to fill in a Financial declaration form called an AF1. The form also asks you about any disability related expenses that you have. 

The amount of income that you have may affect how much you have to pay towards your care and support services, but there is some income that we ignore. You can read more in our Income factsheet

The person who is helping you to arrange your care service may be able to help you with the form, or may be able to arrange for a visiting officer to come to see you. The visiting officer will also be able to make sure that you are getting all of the benefits and tax credits that you are entitled to.

If you have someone who helps you to look after your money because they get your benefits for you for instance, or because they have Power of Attorney for you, you can ask them to help you to fill in the form.

If your circumstances change you need to tell us.

Pay a Suffolk County Council invoice

Pay online

Click here to pay a Suffolk County Council invoice online

or

Pay by monthly Direct Debit (see downloads)

You can pay your four weekly invoices for Home Care by direct debit.  It’s a free and easy way to pay and means you don’t need to remember to make payments.  You will still receive an invoice (for information) which will give details of when the payment will be taken from your bank account. 

Please ensure you fully complete the form including your full name and address and your Customer Number to enable us to verify your details against our records.  Your Customer number can be found on your invoice.  Once completed and signed, please return the form to us using the address on the direct debit form.

If you have any queries please call us on 01473 265611.

Notes
1. Banks and building societies may not accept direct debit instructions for some types of accounts. If you have any questions, check with your bank or building society.
2. Your direct debit arrangements are covered by the Direct Debit Guarantee. This means you’ll get a full refund if an error is made by your bank or building society or by the council.

Continuing Health Care (CHC) NHS information video

NHS England has worked with Greenwich CCG and Enabled City to create a national CHC film, to help explain the national policy framework better to people and families. 

Deferred Payment Agreements

A deferred payment agreement is an arrangement with the council that will enable some people to use the value of their homes to pay for their care. If you are eligible, we will help to pay the 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 Agreement application form

Please contact Customer First if you have any questions. 

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