Choosing the right care home is important and should consider many factors as well as the cost and whether there is a place available. It must be able to meet your specific needs and should be able to improve or maintain your wellbeing and become home.
Third party contributions to residential carePage last updated: 20 September 2019
If you are assessed as needing care in a residential or nursing home, it’s important to choose the right one. After the assessment of your needs, a financial assessment will be carried out to work out how much you can afford to contribute towards the cost of your care. The local authority will then contribute the remainder up to the level of the ‘usual cost of care.’ This is a figure the local authority has agreed with care providers as a reasonable amount to pay for different kinds of residential and nursing care.
If you choose to move to a care home whose fees are higher than the local authorities ‘usual cost of care’, then someone else can agree to pay a third party contribution, also called a top up fee. Before the local authority can agree to this, they will need to talk to the person contributing to the cost of care to make sure that you and they understand that they will be responsible for meeting the additional cost for as long as you live at the care home, that the contribution may increase annually if the provider increases its fees and that if the third party contribution cannot be sustained, you may be subjected to a move to an alternative care home.
If everyone agrees, a written agreement will be signed by all parties. This is a legally binding document which is reviewed annually and will set out the full terms and conditions of the third party contribution agreement. It includes:
- What your personal budget is
- The additional amount to be paid
- The frequency of the payments
- The process of making payments
- How any increases in the charges the provider makes will be paid for
- What will happen if the person making the third party contribution stops paying it
You can pay your own additional contribution if you own a property which is not being taken into account during your first 12 weeks as a permanent resident in a care home or if you have entered into a deferred payment agreement with us. For more information on deferred payments link to deferred payments page
If you are considering making a third party agreement, we recommend you get independent financial advice from the Citizens Advice Bureau, the Money Advice service (MA) or from an independent financial advisor.
Citizens Advice Hull & East Riding (CAB)
Citizens Advice Hull & East Riding (CAB) can help you to manage your debts, and assist with bankruptcy and Debt
You can contact them via -
- telephone 01482 226 859 for specialist debt advice
- telephone - 03444 111 444 for all other calls
- email - email@example.com (Opens in a new window)
- Visit their Hull Officer at –
The Wilson Centre,
Alfred Gelder Street,
The Money advice service
The Money Advice Service was set up by the government to offer free and impartial money advice, they can support you with -
- advice and guides to help improve your finances
- tools and calculators to help keep track and plan ahead
- support over the phone and online
You can telephone for free and impartial money advice on free phone (from any UK landline) on 08001 387 777 Monday to Friday, 8am to 8pm Saturday, 9am to 1pm except bank holidays.
For more information visit the Money advice service website: https://www.moneyadviceservice.org.uk/en