When considering the options for funding your care the first stage should be to explore all state entitlements.
Below we discuss the most common benefits – but it is important to stress that depending on an individual’s circumstances and needs, there may be other benefits to which you, or a loved one, may be entitled.
For further information on all the benefits listed here (as well as all other benefits) please visit the Department for Work and Pensions web site www.dwp.gov.uk.
Pension Credits provide a guaranteed minimum level of income by topping up your weekly pension if it is below the threshold – £137.35 if you are single, £209.70 if you have a partner. These amounts may increase further depending on individual circumstances. For example, if you are disabled then any addition will be assessed at the time of application.
Those aged 65 or over may also qualify for Savings Credit; you may receive this on its own or along with the Guarantee Credit.You may be entitled to savings credit if you or your partner is aged 65 or over and have made some provision for your retirement for example savings/investments or a second pension. The level of benefit for savings credit can be up to:
- £20.52 per week if you are single, or
- £27.09 per week if you have a partner you could potentially get Savings Credit if the money you have coming in is up to about:
- £188 per week if you are single, or
- £277 per week if you have a partner
A tax-free benefit payable to those aged 65 or over who need help with personal care due to physical or mental disability. Usually to qualify you must be aged 65 or over and at least one of the following must apply:
- You have a physical disability (including sensory disability, such as blindness), a mental disability (including learning difficulties), or both.
- Your disability is severe enough for you to need help caring for yourself or someone to supervise you, for your own or someone else’s safety.
- Attendance Allowance is paid at two rates depending on how your disability affects you, i.e. based on your levels of care needed.
- Higher rate £73.60 per week
- Lower rate £49.30 per week
Disability Living Allowance
A tax-free benefit which is for disabled children and adults who are aged under 65. Importantly it is not payable as a result of disability but rather the needs arising from it. For example, you may need someone to look after you.
Usually to qualify you must be under 65 and at least one of the following must apply:
- You have a physical disability (including sensory disability, such as blindness), a mental disability (including learning difficulties), or both
- Your disability is severe enough for you to need help caring for yourself or someone to supervise you, for your own or someone else’s safety, or you have walking difficulties, or both
Constant Attendance Allowance
If you claim Industrial Injuries Disablement Benefit or War Disablement Pension, and you need daily care and attention as a result of a disability, you can claim Constant Attendance Allowance. In addition to the above in order to claim you must:
- Need daily care and attention (for example, home nursing or home meals)
- Be classified as 100% disabled (according to a medical examination)
Carer’s Allowance is a benefit to help people who care for a disabled person. You don’t have to be related to, or live with, the person you care for. You may be able to get Carer’s Allowance if you:
- Are aged 16 or over
- Spend at least 35 hours a week caring for a person
Council Tax Benefit
If you qualify for the Guarantee Credit element of Pension Credit then you would normally qualify to have your council tax paid in full. If you are not receiving the Guarantee Credit element and have savings in excess of £16,000 then you will not be eligible for Council Tax Benefit.The assessment to establish whether you qualify for support with your Council Tax if your savings are below £16,000 is based on your level of income and the amount of Council Tax that you pay
*Information is correct as at November 2016. It is important that you confirm with the DWP the information that relates to your circumstances.