Free tool
Care cost calculator
Care home fees in Hertfordshire can exceed 70,000 pounds a year. See how long your savings and home could pay for care in England before the council starts to help.
How the means test works in England
If your capital is above 23,250 pounds you normally pay the full cost of residential care. Between 14,250 and 23,250 pounds the council contributes, and you pay a tariff from your capital. Your home is included unless a partner or certain relatives still live there, and it is ignored for the first 12 weeks.
Important information
The Financial Conduct Authority does not regulate tax, trust or estate planning advice. Tax treatment depends on individual circumstances and may change in the future.
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Q&A
Questions & answers
Will I have to sell my home to pay for care?
Not necessarily. A deferred payment agreement with the council lets the fees be repaid from your home later, and an immediate needs annuity can cap the cost.
What is NHS Continuing Healthcare?
If your needs are primarily health-related, the NHS may pay the full cost of care. Assessments are worth requesting before you start paying.
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