A Clear Guide to Council Funding for Care in Northamptonshire
Understanding how to get financial support for care is often the most stressful part of the process. The system is complex, but we’re here to help. This guide explains the process for residents of both West Northamptonshire and North Northamptonshire, helping you understand the steps to getting a care assessment and potential funding from your local council.
The Two Key Steps to Getting Support
The Care Needs Assessment
This is always the first step and it has nothing to do with your finances. A professional from the council’s adult social care team will talk to you and your loved one to understand their daily needs (e.g., washing, cooking, safety). Everyone is entitled to a free care needs assessment, regardless of their income.
The Financial Assessment (Means Test)
If the care needs assessment shows that support is required, the council will then conduct a financial assessment. This looks at your income, savings, and assets to determine how much, if anything, you will need to contribute towards the cost of your care. The value of your home is not included in this test for home care.
Which Council Do You Contact?
Since 2021, Northamptonshire has been served by two separate councils. You must contact the correct one based on where your loved one lives.
West Northamptonshire Council
Northampton, Daventry, Brackley, Towcester, and surrounding areas.
North Northamptonshire Council
Kettering, Corby, Wellingborough, Rushden, and surrounding areas.
Will You Need to Pay for Your Care?
In England, there are national thresholds (which change annually) that determine if you get funding. The figures below are for illustration.
Above £23,250 (Self-Funding)
If your capital and savings are over this amount, you will be considered a ‘self-funder’ and will be responsible for the full cost of your care.
Between £14,250 – £23,250
(Partial Funding)
You will likely receive partial funding from the council but will be expected to contribute towards the cost from your income and savings.
Below £14,250 (Full Funding)
You should receive the maximum funding support from the council, although you will still contribute most of your eligible income (like pensions).
How Cardea Healthcare Works with Your Funding
If You Are Self-Funding
If you are funding your own care, you have the complete freedom to choose the best provider. We offer transparently priced, high-quality care that is built to meet and exceed all CQC standards as we progress with our registration. We provide a clear quote with no hidden fees.
If You Receive Council Funding
If the council agrees to fund your care, you can request it as a ‘Direct Payment’. This means they give you the money directly, allowing you to choose and pay your own provider. This gives you the control to select a high-quality service like Cardea Healthcare.
Let’s Discuss Your Care Plan
We know this is complex. Contact our local Northamptonshire team for a free, no-obligation chat. We can help you understand your options, whether you are self-funding or using Direct Payments.