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Questions regarding care costs as a young person.

AlexerwanaAlexerwana Member Posts: 2 Listener
edited August 2020 in Disabled people
Hey there,

I'm hoping to get some answers to a few questions I have regarding trying to save as a young person who requires continuing care. If anyone has been in the same position and can offer some clarification it'd be extremely helpful!

The government seems to have a cap where if you have more than £23,250 in cash or assets, you have to pay full price for your care. Does this mean I will never be able to save up to by my own home? I appreciate that care costs, but it seems a bit steep for them to take anything over that figure (until the cost of care has been paid). 

Can anyone who's faced this issue confirm if's that black and white, or if there's still a way for me to save up for a home? If I did look to start a family, it seems likely that I will buy possessions and assets that'll put me over the limit. Can the government really just force me to sell them?

Any help would be greatly appreciated :)


  • 66Mustang66Mustang Member Posts: 4,638 Disability Gamechanger
    edited June 2020
    I may be wrong but I am pretty sure that possessions do not count towards the limit, unless they are investments like gold bars! I might well be wrong but I believe "assets" means savings and investments (like stocks, property excluding your home, etc.). Something you buy as part of general life, like a washing machine or a car, would not be counted toward the limit.
  • AlexerwanaAlexerwana Member Posts: 2 Listener
    Hi Mustang, thank you for your response! What you’re saying sounds very sensible, but I’ve seen some posts saying that a home does count towards an asset. Am I misunderstanding something?
  • 66Mustang66Mustang Member Posts: 4,638 Disability Gamechanger
    I believe your home doesn't count but any property you own that is not your home does count.

    I might be wrong - hopefully someone more knowledgeable can chip in soon!
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