Should you be paying care fees?

Should you be paying care fees?

Paying care fees - banknotes of £203 ways to reduce and challenge care fees

No. 6 in our series of 27 tips on NHS Continuing Healthcare…

When a relative first needs care things can feel bewildering – and it’s often a crisis point for a family. What’s more, the issue of paying care fees may be foremost in your minds.

Many families report being hounded by health and social care staff, who ask continuously about money. It can make a difficult time even more stressful.

“So will you be self-funding?” is one of the most frequent questions people get asked. However, when a person first needs care it’s entirely wrong for anyone to ask them about paying care fees – or to ask them about their money and/or house.

3 tips to help you:

  • Make sure you’re assessed for NHS Continuing Healthcare funding before anyone tries to means test you – and before you pay a penny in care fees.
  • Remember that a family can’t be forced to pay top up fees.
  • Make sure you tell your local authority when your money gets close to the savings threshold; they will need to pay.

And above all, if anyone tells you that you’ll always be paying pay care fees if you have some money or a house, tell them they are wrong!

If you’re new to care fees, get started here.

Tip no. 5: Should you be paying care fees for a spouse or partner

Tip no. 7: Who can you take with you to NHS Continuing Healthcare assessments?

1 Comment

  1. Jan Brown 3 days ago

    My husband went into a care home 2 year’s ago aged 65 with Lewy Body Dementia. His condition
    has rapidly deteriorated and is mmobile, doubly incontinent and has to be fed. I asked the care home if we could apply for NHS Continuing Healthcare (CHC). They agreed & the full assessment is on 3 April. My husband is not self funding, but I pay a top up.
    Alarm bells started to ring after I had a chat with the Care Home Manager. He told me he should get it, but added ‘if he does, financially it won’t make a big difference, only a small amount’!
    Two weeks later I had a conversation with the care manager who told me, ‘If he is eligible it will help us with getting extra resources’!
    I am completely shocked as from reading your website if he is given CHC, then his care home fees will be paid 100%! I ran this past the CHC team who confirmed that his fees would be paid 100%.
    My worry is that the Care Home is going to take 100% of his fees and pass a token amount back to me. I am feeling very anxious about this, as I’ve had awkward discussions with them in the past when we were agreeing our contribution. I have never been sent an annual statement. I was told our church was going to be asked to consider contributing a small donation to his care (it’s owned by a church community) I was never told one way or the other. I asked a few months ago if they were contributing and was told that I would ‘understand that it is a confidential matter between the home and my church’! Considering it is my account I am shocked at this response!! Hence alarm bells! I would appreciate your thoughts please.

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