At The Czajka Care Group we believe that quality care is a right that should be made available to all. We also understand that the cost of paying for private nursing, residential or domiciliary care can be significant to both residents and families which is why we aim to provide the best quality care at the most affordable prices. With our experience in providing care we understand that people worry about the cost of care either for themselves or their loved ones. We have provided a list of questions and answers to help alleviate your concerns:

The value of my house and savings amounts to £10,000 and the basic state pension; will I still be able to get care?
If you have assets and savings that amount to less than £14,000 then your local authority will pay the full cost of your nursing and residential care. You will be required to put your pension income towards the cost of your care and your local authority would pay the remainder of the weekly care fees. Please contact your local authority to find out about your nearest authority funding levels. They will provide you with a list of options available to you.

I have £15,000 in savings and assets and a state pension, how much of a contribution will I have to make to the cost of my care?
If you have assets and savings between £14,000 and £23,000 then in addition to your pension contribution you will be required to make a weekly contribution toward paying for your nursing/residential care with a tariff of £1 for every £250 of capital above £14,000. Should your assets and savings ever fall to £14,000 your local authority will pay the full amount after your pension income has been deducted.

My home and savings amount to £50,000 but I may need nursing care in the future; will I have to use all of it to pay for my care?
If your assets and savings are in excess of £23,000 you will be expected to meet the full cost of your own residential or domiciliary care. In the case of nursing care your Primary Care Trust will contribute a weekly fee towards the nursing care provided. If your assets ever should fall to £23,000 you maybe eligible for state assistance, although you or a loved one should keep the local authority informed of the situation as assistance will only be given from the date of contact.

I don’t have any savings but my house is worth more than £23,000; will I have to sell my house straight away to pay for care?
If you have little savings but assets worth in excess of £23,000 you will not have to sell your home immediately, the asset will be disregarded for the first 12 weeks of your residence. If your property is not sold within 12 weeks social services would pay the care fees and allow the debt to accrue an interest free loan until the property is sold.

I am struggling to cope with caring for my partner, they need residential care; will I have to sell my house to pay for their care?
Should only one member of a couple need nursing or residential care then your local authority will generally disregard the value of your property. Your remaining capital will be assessed to decide on your level of contribution.

Further information and advice can be given from some of the following organisations, or alternatively check our A-Z page of useful links

Age Concern 0808 808 6060
Help the Aged 0808 800 6565
Counsel and Care 0845 300 7585
Your local Social Services Department or http://www.direct.gov.uk/en/Hl1/Help/Socialservices/index.htm
Department for Work & Pensions 0800 991 234
Nursing Homes Fees Agency 0800 998 833
Independent Financial Advisors
to find your names of your local independent financial advisor call: 01179 711177
Care Aware 08705 134925