Care Act

Cap on Care Costs

Updated November 2022

The Government announced in its Budget Statement on 18 November 2022 that the cap on care costs implementation date would be delayed until October 2025.

  • an £86,000 lifetime cap on care costs will be introduced. No-one starting care from October 2025 will need to pay more than £86,000 towards their lifetime personal care needs. Previously, the amount you could pay was unlimited
  • individuals with less than £100,000 in savings and assets are likely to be eligible for help from their local council with their care costs.Currently only those with less than £23,250 are eligible for state support

Your care costs will typically be made up of your:

  • personal care costs - the amount you pay for your carers to help with tasks such as dressing, bathing, going to the toilet
  • daily living costs - if you live in a care home for things such as food, rent, accommodation costs, and energy bills

From October 2025 the amount you will have to pay for your personal care costs will be capped at £86,000.

How much you have to pay for your care depends on how much money and assets you have. This won’t include the value of your home if you or your partner still live in it.

You can find out more about the proposed reforms for adult social care on the Department for Health and Social Care website.

If you have a specific question about the cap on care costs in Southend then please Email carecap@southend.gov.uk.

Contact Adult Social Care

Telephone: 01702 215008

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