Question 22 of 30
Do you have to pay for care if you have savings?
Whether you pay for care depends on your savings level — above the upper threshold you fund care in full, below the lower threshold the council covers most costs, and a sliding scale applies in between. Below the lower threshold of £23,250, savings are largely disregarded and the council covers most costs. Between the two thresholds, a sliding scale applies. Property is also counted as a capital asset if someone moves permanently into a care home, with exceptions for spouses and certain dependants still living there. These thresholds apply in England and were updated in October 2025.
Even if savings are above the threshold now, it is worth requesting an assessment early so the process is already underway when funding becomes relevant.
What changes the answer
- Total savings and assets including property
- Whether a spouse or dependant lives in the property
- Income from pensions or benefits