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Care homes - your home and savings

Checks on your sale

Use our form to check if you need to pay for your care using your savings and investments.

Check if you need to pay for a care home

When we work out your charges we check if you have ever owned a property.

We request evidence of any sales or transfers made in the seven years before your were admitted to a care home. We will investigate if you are unable to account for money which has reduced your savings and investments.

We look at sales or transfers that have been made after you have been assessed as needing care from us. This could be care at home, respite or day care.

It is illegal to give away property or savings to another person in order to qualify for financial help from us. This is called deprivation of capital. Read about deprivation of capital on page 17 of our paying for a care home leaflet.

Download the paying for care home leaflet (PDF, 430 KB)

If we believe that you have deliberately given away assets to reduce or avoid care home fees, we will include the value of the assets in how we work out your charges. Assets can include your home, savings or expensive gifts.

We issue you with bills based upon how much we think you should pay including the asset. You will build up debt if you do not pay these bills and we will take action to recover the debt.

We bill the person who has benefited from the assets if you have given away your home, savings or investments in the last 6 months before moving to the care home.