Care Income Assessment

Published / Last Updated on 06/04/2024

Care Income Assessment

The final stage in calculating local authority contributions is the care income assessment.  Please remember:

  • No Help - Capital above the threshold means no help with social care fees (ignoring nursing care fees)
  • Care Income Assessment - Capital in between the thresholds means a tariff assessment and then a full income assessment.  Capital below the lower threshold means a full income assessment.

What income will be assessed?

Income that is fully taken into account:

  • State Benefits - Attendance Allowance, Disability Living Allowance (care part only), Disability Working Allowance, Invalid Care Allowance, Severe Disablement Allowance, Unemployment Benefit, Industrial Injuries Benefits, Widows Pension
  • Private Income - pension income, interest from savings, investment income, income from trusts, income from annuities, regular income from bonds

Income that is partially taken into account:

  • 50% of pension income only is usually ignored if the spouse or civil partner does not live in a care home or you pass half of your income to your spouse or civil partner

Income that is not taken into account:

  • State Benefits - Disability Living Allowance (mobility part), Pensioners Christmas Bonus, War Widows Pension
  • Private Income - income from capital (if already included in assessment), income from an equity release plan if spouse or civil partner remains in property, the pension credit addition

Assessed Income

The total of all these is your assessed income, which is then offset against the costs of social care subject to a personal expenses allowance, to work out the local authority contribution towards care.

Request our expert advice about Care Income Assessment, about protecting your wealth and planning for care.

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