If you have more than £23,250 in savings, you will pay the full cost of your placement. This includes your share of any joint capital.
You can keep a weekly personal expenses allowance of £30.65 (2025/26). This is set by the Government under Section 14(7) of the the Care Act 2014.
The rest of your income and benefits are usually included in your financial assessment.
Income and benefits we ignore
The following benefits and income are ignored when assessing your charge:
- Direct Payments
- Guaranteed Income Payments for veterans
- War Pension Scheme payments (except Constant Attendance Allowance)
- Mobility component of Disability Living Allowance
- Mobility component of Personal Independence Payment
- regular charitable or voluntary payments
Income we partly ignore:
- first £10 of War Widows Pension
- If you have an occupational pension, it will be included. If you have a partner at home, they can claim 50% of this pension.
For a full list of benefits we include or ignore, see Annex C of the Care Act 2014 guidance.