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Last updated:
14/11/2017

How do I pay for residential care?

What are top-up fees?

  1. Overview
  2. What is residential care?
  3. Will I have to pay for residential care?
  4. What is capital and how will the local authority assess this?
  5. What is the most I will have to pay?
  6. What are top-up fees?
  7. What are Deferred Payment Agreements (DPA)?
  8. Free care for people who have a mental illness
  9. Free personal care for people over 65
  10. What if I cannot afford the charges?
  11. How can I deal with problems about charges?
  12. Next steps

The local authority has to give you services that meet your needs, no matter how much it costs. However, you and your family have the option to pay a bit more for your residential accommodation if you want somewhere more expensive - called top-up fees. However, the local authority can’t put you somewhere and expect you to pay extra costs if you do not need it.

You and your family have the option to pay a bit more for your residential accommodation if you want somewhere more expensive - called top-up fees.

Top-up fees would be the difference between your personal budget and the cost of the care home you want to go to, so this might mean your personal budget is £200 a week but you want to go to a care home that costs £300 a week. You could pay £100 a week in top-up fees to make up the difference.

If you are doing this, you have to sign a contract with the local authority. This contract will make sure you can afford the cost of top-up fees and this contract will also decide how often you pay your top-up payments and who they are paid to. There are some restrictions on what income may be considered eligible to be used to ‘top up’ the fees payable.

If you do not make your top-up payments, you may have to move to a different place that is within your personal budget and additionally, your local authority will review the agreement from time to time. This will make sure they know of any increases in charges and how they will divide this.

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Within this subject

  1. Overview
  2. What is residential care?
  3. Will I have to pay for residential care?
  4. What is capital and how will the local authority assess this?
  5. What is the most I will have to pay?
  6. What are top-up fees?
  7. What are Deferred Payment Agreements (DPA)?
  8. Free care for people who have a mental illness
  9. Free personal care for people over 65
  10. What if I cannot afford the charges?
  11. How can I deal with problems about charges?
  12. Next steps
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