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Paying for care

How much do I need to pay for care?

Working out how much you have to pay towards your care and support can be tricky, as the amount you have to pay depends upon your circumstances and financial situation.

Community Health and Social Care Direct will carry out a Needs assessment and a Financial assessment to work this out. They will take into account;

  • the level of care you need;
  • how much money you have coming in; and
  • whether or not you own your own home.

Visit for more information on how much you might pay for care and support.

Care Cost Calculators

PayingForCare have an online residential care calculator where you can find out how much you may need to pay for your care. It helps you to

  • work out how much your average care home/nursing fees could be.
  • find out if the state is likely to help you fund your care
  • contact specialist care fees advisers for personal financial advice, support and information.

BBC Care Calculator is an interactive guide to help you understand more about the way care works, what you need to think about and how much you may have to pay.

Can I avoid paying for care?

Giving away or spending your assets

It is against the law to intentionally give away or decrease your savings or property (your assets) in order to avoid paying your care fees. This is known as ‘deprivation of assets’.

Newcastle City Council can carry out a Financial assessment to find out how much money you have and what you can afford to pay towards your care costs.

More information is available from

NHS Continuing Healthcare and NHS-funded Nursing Care

If you have ongoing significant health needs you can get health care in any setting outside of hospital, including your own home or in a care home. NHS continuing healthcare is arranged and paid for by the NHS, however you will need an assessment to find out if you are eligible.

The service can include:

  • Care home fees. including board and accommodation
  • Community nurse
  • Special therapist
  • Personal care e.g. help with bathing, dressing and laundry

The assessment will look at the:

  • nature of your condition or treatment required
  • complexity of your symptoms
  • intensity of your need
  • unpredictability of your condition

Read NHS continuing healthcare for more information including how to get an assessment.

Other useful information

The following resources provide more information on paying for care;

  • Independent Age give free confidential advice over the telephone on issues such as getting help at home, care assessments, staying in touch with other people and welfare benefits.  They also provide free guides and factsheets.

Last updated: April 6, 2018

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