Have a look at
www.gov.uk
"Case study: Yusuf
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Yusuf’s care home costs £700 per week.
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The £700 assumes Yusuf can get care at £700 - the assessed cost - he's not allowed to use up his £86k cap paying £1200 meaning the LA start funding him earlier, the £500 doesn't count.
Is a placement at £700 always going to be available?
Hi
@nitram - can you clarify? Reading the above, it suggests that anyone who pays more for their care home than the absolute cheapest care home available in the area, will fall foul of this when it comes to totting up how much they have spent on care?
e.g. Jane's care home costs £800 per week. As it has been determined that she could have gone in the cheaper place down the road that's only £700 per week, £100 of her weekly costs
will not be counted towards the £86,000 maximum.
Is that right? Also, where does the £200 per week accommodation cost fit into this? In the example for Jane, above, would it actually work that her weekly cost is £800, less £100 (because it's not the cheapest place), less £200 accommodation cost = £500 per week going towards the savings cap?
It seems to me this policy is fatally flawed! How can everyone ensure they get a place at the cheapest home? (And why the heck should they? It is their money to spend as they wish...) Who decides the amount of £700? (Presumably it will vary for different areas of the country.) What if someone needs more care than the basic cheap place can provide? Do you only get a max of £700 towards care whatever care you need? Most EMI places are at least twice that amount.