Care Cap Calculator

HOW WILL CHANGES TO LEGISLATION AFFECT STATE SUPPORT IN ENGLAND FOR CARE FUNDING FROM APRIL 2020?

Care and support services are means-tested and services are not free to everyone. The Care Act 2014 has put a limit on how much people pay towards the cost of their care. The cap implementation has been delayed to 2020.

This calculator has been designed to help people with understanding of how the £72,000 care cap will affect them financially. This calculator should be used for illustrative purposes only, for residential and nursing care.

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  • Personalised calculation

    Know the cost of your care and local authority rate? Click here to get a Personalised Calculation.
  • Quick calculation

    If you know the cost of your care and local authority rate, you can get a personalised calculation, choose personalised. If you don’t know your costs, choose quick to get a calculation using average figures.
Where do you live?
-
Please choose the area where you or the person receiving care lives.

The calculator then produces a figure for the Local Authority rate in your area. Figures calculated from the Laing and Buisson Annual Survey of UK Local Authority Baseline Fee Rates 2013/14.
Enter your weekly Local Authority’s fee rate
£ a week
What type of care is required?
Enter your weekly cost of care
£ a week
What state benefits might you qualify
for to help towards the cost of care?
Tick any benefits which might apply to you and which could contribute towards the total cost of care.
Attendance allowance
NHS funded nursing care
Tick this box if you receive state pension and you will use it towards the cost of care.
Average cost of care Your cost of care
  £ a week
or £ a year
-
The calculator assumes you choose to buy residential care services at the average rate that people pay in your region, which is more expensive than the Local Authority rate in your area. The amount you pay over the Local Authority rate does not count towards your cap. The amount you pay over the Local Authority rate does not count towards your cap.

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How are these figures calculated?


A Average Cost of Care. This is the regional average care fees cost for your chosen type of care, and is calculated from Laing & Buisson Care of Older People UK Market Report 2014/15.  £ a week,
£ a year

B Care Cap Contribution. This is the amount that will count towards the care cap. This is calculated by deducting the General Living Costs from the Local Authority Rate in your Area. Once the cap has been reached, this amount then becomes the financial support provided by the state towards the cost of care (the lighter-blue section in the detailed graph). £ a week,
£ a year

C General Living Costs. If someone’s care needs are met in residential care then they will be expected to pay a contribution towards their general living costs (food, accommodation, energy etc.) of £12,000 from April 2016, equal to £231 a week. General living costs amount will not count towards the care cap. £231 a week,
£12,000 a year

D Local Authority Rate in your Area. The rate used for the calculation depends on the choice you have made for the type of care required, being either residential or residential with nursing. The rate is calculated using figures from Laing & Buisson's Annual Survey of UK Local Authority Baseline Fee Rates 2015.£ a week,
£ a year

E Additional Residential Care Costs. You might choose to buy residential care services that are more expensive than the Local Authority Rate in your Area, we have called this “Additional residential care costs”. This is calculated as the difference between the Average Cost of Care and the Local Authority Rate in your area. The additional residential care costs will not count towards the care cap. £ a week,
£ a year

F Selected State Benefits and State Pension. The benefits you have selected that you might qualify for, that help towards your care costs:[benefits text] £ a week
£ a year

In Summary:

You continue to pay A) while receiving F) if you qualify, until B) adds up to the £72,000 care cap
Once you have reached the care cap, you pay A) less B) less F) if you qualify.

There may be other eligible benefits, allowances and entitlements not covered here. Please use the 'Looking for advice?' button at the top of the page to access specialist care fees advice.

NOTES

State benefits and pension rates have been obtained from Department of Work and Pensions, April 2016. All figures have been rounded to the nearest £1.

Social care is a means tested benefit and is also subject to eligibility criteria, based on the level of care need. The national eligibility criteria framework and a deferred payment agreement scheme introduced in 2015 under the Care Act 2014.

The care cap calculator assumes you are a self-funder in residential care. The care cap also applies to those who receive domiciliary care.

See the Department of Health Policy statement on care and support funding reform and legislative requirements.

For advice on care fees funding, use the advice button at the top of the page.

Press Enquiries:  Please contact press@payingforcare.org.