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If a person qualifies for local authority funding to pay for their care home, it's possible to choose an alternative, more expensive care home and arrange for the extra cost to be paid by someone else - usually a relative, friend or charity. This is known as a third party top-up.
It's worth bearing in mind that if the care home proposed by the local authority does not meet the client’s requirements (or their care needs haven’t been properly assessed), the decision can be challenged. This should be considered before arranging a third party top-up.
The extra cost has to be met by a third party unless:
The local authority is responsible for making the payments to the care home and will invoice for the top-up.
They'll also ask the person topping up to sign a written agreement.
The local authority will provide a written agreement covering the terms of the arrangement. This will include:
If the top-up payments become unaffordable, the local authority will have to carry out another care needs assessment on the individual receiving care. While the review is in process, they are responsible for paying the top up fees.
A third party top-up can help people who want to choose an alternative, more expensive care home and can arrange for the extra fees to be paid by someone else.
Information researched and accurate as of October 2022. Not to be relied upon by advisers or their clients.
This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.