In most cases, you are not allowed to pay your own care home top-up fee. This is because eligibility for council funding typically implies an inability to self-fund care. The local authority conducts a means test to evaluate your financial capacity when determining your funding eligibility. This test includes your finances and half of any joint assets but excludes your family’s finances.
However, there are certain situations where you might be able to pay your own top-up fee:
1. Property Disregard Period: Upon moving into a care home permanently, the first twelve weeks might be offered at a reduced rate. During this time, the value of your home isn’t included in the financial assessment, allowing you to make arrangements for your property (like selling or renting it).
2. Deferred Payment Agreement: This is a loan from the local authority based on your home’s value. After your passing, when the house is sold, the authority recoups the loan from the sale proceeds. It’s important to note that such agreements involve administrative costs and interest accrual, and specific eligibility criteria must be met.
You should consult with the council to understand your eligibility for these options.