Eligibility calculation - non-residential care
Kulwant Singh has been self-funding care at home for several years. His capital is now approaching the upper capital limit. He pays his care provider weekly in arrears. It is estimated that he will become eligible for Council funding in August 2025.
Step 1: Capital calculation
Kulwant has the following capital:
- Barclays Current Account: £9,536.69
- Barclays ISA: £14,837.10
Care fees paid (2 to 31 July):
- Care fees: £380.00
Total capital before limit: £9,536.69 + £14,837.10 − £380.00 = £23,993.79.
Upper capital limit: £23,250.00
Amount above upper limit: £23,993.79 − £23,250.00 = £743.79.
Step 2: Weekly income calculation
Kulwant receives:
- State Pension: £301.42
- Railway Pension: £429.98
- Attendance Allowance: £110.40
Total weekly income: £301.42 + £429.98 + £110.40 = £841.80.
Deductions:
- Housing costs and DRE: £89.97
- Minimum Income Guarantee: £232.60
Total deductions: £89.97 + £232.60 = £322.57.
Available income: £841.80 − £322.57 = £519.23.
Step 3: Reduction in savings
Weekly cost of care while self-funding:
- Care fees: £380.00
Amount savings reduce each week: £380.00 − £519.23 = −£139.23.
As Kulwant’s income exceeds his care costs, his capital reduces by:
£224.56 per week.
Time required to reduce to upper limit: £743.79 ÷ £224.56 = 3.31 weeks (23.18 days).
Eligibility date
Kulwant is expected to become eligible for Council funding on or around 23 August 2025, subject to confirmation by the Council.