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Guide to Paying for Care and Support

If you, or your family member, have care and support needs and feel services are required to meet those needs, then you also need to consider how you are going to pay for that provision.

Do you need care and support services?

If you, or your family member, have care and support needs and feel services are required to meet those needs, then you also need to consider how you are going to pay for that provision.

Tell us about yourself

The first thing you should do is complete an 'Adult Social Care Self Needs Assessment'.

This is where you tell us about any conditions or disabilities you have which effect your wellbeing.

Complete a Adult Self assessment here

Hull City Council then assesses this against the criteria set out in the Care Act 2014 to determine who can be provided with support services.

If at this time you do not meet the level of need set out in the guidance, we can still let you know about services you can employ privately to provide the support you are looking for.

If you do meet the criteria for receiving council arranged care, Hull City Council can create a package of care for you.

Paying for care

Unlike the NHS where health care services are free at the point of need, Adult Social Care services are means tested. To obtain state funding you must have eligible needs (based on national criteria) as assessed by an Adult Social Care worker; but also fall below the agreed national financial thresholds. For example, the amount of financial help you are entitled to is affected by your savings, investments, benefits and earnings.


If you have over £23,250 in capital or savings, you are not entitled to funding from the council and will have to pay the full amount of your care costs. This is called self-funding. You can choose to arrange your care services directly with your care provider and make sure your requirements are met how you want them to be. If you want help to arrange these services, the council can support you to do this.

Please note self-funders are still able to apply to the council's Deferred Payment Scheme.

Third Party Top-Up

If you choose a care home which charges a higher fee than the Council would normally agree to pay, then another person or organisation, other than yourself, will have to meet the difference. This is known as a 'third party top-up'.

However, please make sure if someone is agreeing to do this on your behalf, that the funds are available to meet this top-up for the foreseeable future, otherwise your stay at that care home may be at risk if these additional payments are not maintained.

Nursing Care Costs

If you need nursing care, whether you are self-funding or council funded, the NHS will pay the additional cost. Your nursing care home can help you apply to the local NHS for this funding.

The Paying for Care handbook

The Paying for Care Handbook is all about paying for social care services in Hull. It tells you about the financial assessment process and explains what you will have to pay and how to do this.

You need to read this booklet if you, or someone you care for, either receives or is considering support from Hull Adult Social Care.

If you have received a formal statuary assessment from Hull City Council and as a result have eligible needs, then your support worker will make sure you have received a copy of this booklet.

Your supprot worker will ask you to sign the signature sheet which is at the back of the Paying for Care handbook to confirm receipt.

Your support worker will then remove the completed signature sheet from the Paying for Care handbook and will keep it as evidence for our records.

Download the Paying for Care Handbook - October 2019

Download the Easy Read verison - Paying for Care 2019.pdf

Online Paying for Care Calculator

The rules around who can receive financial assistance towards their care costs can seem complex and confusing.

To help you understand what your financial contribution might be towards the cost of your care, Hull City Council has developed a self-service online Paying for Care Calculator.

All you have to do is answer a few short questions about the your financial situation It should take less than 10 minutes and you'll find out whether or not you are likely to be eligible for financial assistance.

Once you have answered all the questions, the Paying for Care Calculator will work out what your financial contribution is likely to be.

Complete the Paying for Care Calculator here

If you find it difficult to manage your own money, or find things like this confusing, we highly recommended that you get a family member, friend, or representative to help you complete Paying for Care Calculator.

Once you have completed the calculator and are shown what your maximum contribution might be, you have the option to submit those details to us, please only complete this final step of submitting those details to Hull City Council if asked to do so by our Financial Assessment Team.

What Happens Next?

If you have received a formal statutory assessment by Hull City Council, and as a result have eligible needs, then you can submit your Paying for Care Calculation to our Financial Assessment team for review.

The information you provided will be reviewed by a trained Hull City Council financial assessment officer and you may be required to provide evidence of your financial circumstances.

If you have not been assessed by Hull City Council for care and support then you can complete the Paying for care calculator and get a good idea of what you are likely to have to pay to meet your care costs, but you will not be able to submit your Paying for Care Calculation to the Council. We will first need to formally assess your needs

If you think you have eligible adult social care needs, then you need to compete the Adult Social Care Self Assessment:

Complete an Adult Social Care Self Assessment here

Alternatively, you can contact the Hull City Council by telephone on 01482 300 300.

Important notice

The online Paying for Care Calculator provides you with an indication based on the information you provided of what your contribution to the cost of your care will be and all figures a subject to review. It does not form any agreement between you and the Hull City Council, nor does it guarantee eligibility of need for care and support.

Deferred Payments Scheme

The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential care, but cannot afford to pay the full weekly charge because most of your capital is tied up in your home.

You need to have your care needs assessed and your financial eligibility determined before a Deferred Payment Agreement can be considered.

More information on the Deferred Payment Scheme

Last reviewed: 30/10/2019

Paying for Care Calculator

To find out what your contribution to your care costs might be

Start Here