Adult Social Care Contributions Policy 2024 - 9. How property is considered in financial assessment calculations

All decisions about the treatment of property will be made in accordance with the 2014 Regulations and Statutory Guidance provisions. This is the same for all types of care and support, the only exception is an adult’s main or only home where the value of the property is considered for permanent residential care but not for any other types of care and support. 

The main property will be disregarded from the financial assessment if it continues to be the permanent residence of a spouse or partner, or relative who is under 18, over 60 years of age or is incapacitated. 

Where the main and/or additional properties are included in the financial assessment calculations and a Deferred Payment Agreement is not viable or appropriate, the Council can apply a temporary hold on invoices to allow the adult time to consider the options available to fund their care costs. This period should be agreed between the Financial Assessment and Charging Team and the adult and confirmed in writing. 

Adults should seek independent advice as soon as possible on their available options to fund their care costs where they have property. Options may include equity release or selling additional properties