Do I have to pay for care at home?
If you are going to get care at home following a needs assessment by social services, you may have to pay for some or all of the help you receive. Whether you have to pay will depend on your council. It does not have to charge but, if it does, it will carry out a financial assessment first. This means that they will want to know how much money you have coming in and what savings you have. Certain income cannot be taken into account when deciding how much you should pay, including:
- the mobility component of any Disability Living Allowance
- the mobility component of a Personal Independence Payment
- any Armed Forces Independence Payment
- any payment received under the War Disablement Pension.
In Wales, the most that the council can charge for care and support at home is currently £80 per week and must be an amount that you can reasonably afford to pay.
Financial help from disability benefits
You may be entitled to claim benefits, which can be used to help pay for care at home. Some of the disability benefits available include the following;
Direct payments from social services
If you need care at home, your council may be able to give you money so that you or your carer can choose and arrange your own care services. This is called direct payments.
This arrangement can give you more choice and control over services provided but also brings with it responsibilities for spending the money in line with your care plan.
You can get more information about direct payments from the Money Advice Service.
The Welsh Independent Living Grant
The Welsh Independent Living Grant (ILG) was established in 2015 to continue to provide money to severely disabled people who previously received funding from the Welsh Independent Living Fund (ILF). The Welsh ILG was due to close in March 2019, with any future support to be provided by local councils. If this applies to you, the council should have already arranged to meet with you to sort out what help you continue to need.
The closure of the Welsh ILG is currently under review. If you have not yet been contacted and you were previously receiving money from the ILG then contact your council.
Note that this support is for ongoing applications only, and is not available to new applicants.
If you need adaptations made to your home so that you can carry on living there, for example a grab rail or a ramp, then you may be able to get a grant to help you with the cost of adaptations. See the section on getting adaptations for more information.
For more detailed guides on paying for care at home please go to the Age Cymru website. You can also phone the bilingual Age Cymru helpline on 08000 223 444.
If you have a disability, you could phone the Disability Rights UK personal budget helpline on 0330 995 0404. They also have a number of factsheets.