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Example A: Personal Budget for weekly support and respite in a care home
Example B: person with a Personal Budget for ongoing weekly support and respite in a care home
Example C: person with a Personal Budget for ongoing weekly support and respite in a care home
Example D: non-residential care Financial Assessment Calculation
Example E: care home Financial Assessment Calculation
A 68 year-old woman has a Personal Budget of £100 per week to meet her ongoing weekly care needs and £1500 per year towards two weeks respite care (from a carer’s assessment carried out with her daughter).
She uses her Personal Budget to pay for a carer each weekday morning and to stay in a care home for respite for two weeks while her daughter is away on holiday.
Her non-residential financial assessment shows she is not required to pay anything towards her non-residential service.
Annual Personal Budget: £5000 (ongoing) £1500 (respite). Total: £6500
Weekly Care Charges: she is charged nothing for her ongoing care and support and nothing for her two weeks of respite in a care home because her non-residential financial assessment shows her assessed maximum weekly contribution is zero – so she receives free non-residential service, and this is also applied to the respite care.
If during the year, she required further short stays in a care home that brought the total number of nights stayed in a care home to more than four weeks during that year, a financial assessment would be carried out using care home (temporary stay) charging rules to calculate her contribution towards the accommodation for those extra nights.
A 29 year old man living with his mother has a Personal Budget of £80 per week to meet his ongoing support needs and £8000 per year towards 14 nights of respite care (from a carer’s assessment carried out with his mother). He uses his Personal Budget to pay for a support worker and to stay in a care home for one night at various intervals over the year for respite.
His non-residential financial assessment shows his assessed maximum weekly contribution is £33 per week.
Annual Personal Budget: £4160 (ongoing) £8000 (14-nights of respite) Total: £12,160
Weekly Personal Budget (£12,160 divided by 52 weeks): £233.85 Weekly Care Charges: he is charged £33.00 each week for his ongoing care and support including his 14 nights in a care home for respite.
An 80 year old man has a Personal Budget of £95 per week to meet his ongoing care needs and £1500 per year towards respite care (from a carer’s assessment carried out with his wife). He uses his Personal Budget to pay for a carer and to stay in a care home for respite.
His non-residential financial assessment shows his assessed maximum weekly contribution is £130 per week.
Annual Personal Budget: £4750 (ongoing) £1500 (respite). Total £6250
Weekly Personal Budget (£6250 divided by 52 weeks): £120.19
Weekly Care Charges: He is charged £120.19 each week towards his Personal Budget.
At the end of the Personal Budget period (usually a year) – and before we finalise his Personal Budget for the following year – we compare the charges he’s paid with the actual cost of his services and refund any overpayments.
A woman aged 84 has a Personal Budget of £160 per week for care and support in her home. She receives full Housing Benefit and full Council Tax Support.
Total savings and investments: £15,140
Tariff charge (weekly) on savings and investments: £4.00
Calculation: £14,250 disregarded. Leaves £890 savings charged tariff income @ £1 per £250/part £250
Attendance Allowance £ 61.85
State Pension £142.10
Private pension £ 13.40
Pension Guarantee Credit £ 85.50
Pension Savings Credit £ 4.81
Total weekly income: £307.66
Total weekly income plus tariff charge on savings/investments: £311.66
Pension Savings Credit: – £4.81
Total REGARDED weekly income and tariff charge on savings £306.85
Housing expenses and other allowable expenses
Housing Benefit and Council Tax Support received n/a
Disability related expenses (DRE)
Standard DRE allowance (A standard allowance for disability-related expenses (DRE) is included because the woman receives Attendance Allowance. If she has more disability-related expenses than the standard weekly allowance, she can give us details of those expenses and we’ll include a higher DRE allowance in her assessment calculation): £5.15
Minimum Income Guarantee: £ 194.70
this is an allowance for daily living costs. The amount is for a single person who has reached the qualifying age for Pension Credit
Total allowances and expenses: -£199.85
Total regarded weekly income and tariff on savings LESS total allowable expenses and allowances: £107.00
ASSESSED MAXIMUM WEEKLY CONTRIBUTION £107.00
She would pay £107 per week towards her Personal Budget for care and support.
A single man aged 79 has moved to a care home where his care and support needs can be met. The council are paying the costs of £750 per week to his care home provider.
Total savings and investments: £17,320
Tariff charge (weekly) on savings and investments: £ 13.00
Calculation: £14,250 disregarded. Leaves £3,070 savings charged tariff income @ £1 per £250/part £250
State Pension £197.50
Private pension £ 85.30
Total weekly income: £282.80 £282.80
Total weekly income plus tariff charge on savings/investments £295.80
Personal Expenses Allowance (a standard weekly allowance for people in care homes)£ 25.65
Savings Disregard (Savings Disregard is calculated for people aged over 65 in accordance with the Care and Support (Assessment of Resources) Regulations.)£ 5.90
Total allowances and expenses: -£ 31.55
Total regarded weekly income and tariff on savings LESS total allowances and expenses:£264.25
ASSESSED WEEKLY ACCOMMODATION CHARGE £264.25