My mum gets a good pension but we still had a financial and needs assessment and as she is below the savings threshold (just), and the house value isn't included, she does get help. She has to pay a contribution towards her care (she goes to a day centre and has carers 4 times a week for half an hour) , but it is nothing like what she would pay if she paid it all. As she lives by herself at home, she also gets the council tax disregard (Dr signed the form as she has Alzheimer's). It's worth looking into.