When do you have to pay if you are not eligible for NHS continuing healthcare?
When a person is placed in a nursing home, they are financially assessed by the local authority. If a person has savings which amount to more than the upper capital limit (set out by the National Assistance (Assessment of Resources) Regulations 1992 as amended), they have to pay the full cost of their care home placement until their savings reduce to that amount.
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A person who is in between the capital limits will have to make a contribution to their care costs on a tariff rate depending on how much they exceed the minimum.
Your savings include any money in bank and building society accounts, premium bonds, stocks and shares, and property (land and buildings). Any joint ownership is counted according to that person’s share.
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