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Paying for care in Scotland

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Domiciliary Care (care at home) in Scotland

Adults of any age who are assessed by their Local Social Works department as needing care at home are eligible for Scotland’s free Personal Care, regardless of savings or income.

You will still need to pay for non-personal care such as;- cleaning, day care, laundry, meals on wheels etc. yourself.

Receiving free Personal Care doesn't affect your entitlement to if over 65 - Attendance Allowance (AA) or if under 65 - Personal Independence Payment (PIP) or any Care element of Disability Living Allowance (DLA) you may have already been receiving.

Care in a Care Home

The cost of care in a care home in Scotland is broken down into three constituent parts.

  • "Hotel" or accommodation Costs
  • Personal Care
  • Nursing fees.

Providing your needs have been assessed by your local Social Works Department and they agree you need permanent full-time care in a care home, they will make a flat rate contribution towards any Personal, and if required, Nursing Care you may require irrespective of how much money you have. You will still be means tested to see if you need to pay for your accommodation and food. The current rates of personal and nursing care contributions are:

£248.70 per week Personal Care contribution and an additional
£111.90 per week if Nursing Care is required (2024/5)

Please Note: Personal Care contribution is only made if you are over 65 and if you take it, you will lose any entitlement to Attendance Allowance or the Care Component of the Disability Living Allowance/PIP after 28 days you may have been receiving.

Means Testing

A Financial means test is only carried out to determine whether you have to pay for any "Hotel" or accommodation costs. 

Those with personal capital assessable assets (and 50% of any jointly held assessable assets) exceeding £29,750 (2022-23) have to pay for all of their accommodation costs.

Only those currently below: £21,500 (Scotland-2024-25) qualify for the maximum Local Authority budget, often known as the standard rate or contract rate. During 2024-5 this sets the standard rate at:

£948.59 a week for nursing care
£825.94 a week for residential care

Of course you can choose a care home which charges above this standard rate for “Hotel” costs but you or a third party, will have to pay the difference.

Even if you do qualify for this standardised rate, you have to put all of your income* (minus a Personal Expenses Allowance currently, £34.50 per week Scotland 2024-5) and most state benefits, towards it.

*If you are married or have a civil partner who needs some of your pension to remain living at home, you will also be allowed to keep - 50% of any private/occupational pensions you receive- but only if you do pass at least 50% to them, (anything less would be ignored).  

Savings between £21,500 - £35,000 (2024-5)

Those whose capital exceeds the lower threshold £21,500 but doesn’t exceed the Upper Threshold of £35,000 will have the value of any capital which exceeds the lower limit, theoretically converted into extra “tariff income” at a rate of £1 extra “notional income” for every £250 worth of capital exceeding the lower limit.  

This theoretical tariff income is then added to any actual income received or you are eligible for, to see if your combined income minus your personal allowance exceeds the standard /contractual rate the Scottish Government has agreed for the relevant care needed (£948.59 p.w. for nursing or £825. 94 p.w. for residential care – 2024-25) . If it does, you would need to pay for your own care until your capital reduced to such a level as the “income” didn't meet the standard rate.  

If your combined income, is lower, then your local social works department will pay the standard or contractual rate but would expect you to pay them all of your income except the Personal Expenses Allowance and 50% of any private pension but only if you need to and do pay this to a spouse or partner to live on. 

Savings greater than £35,000 (2024-25)

If your capital does exceed £35,000 you will need to pay for your own accommodation.

If this is the case but you would like to ensure that at least some of your hard earned capital preserved for your beneficiaries then it would pay you to get your FREE no obligation Care Fees Annuity quote .

Professional Care Fees Advice

If you need to pay for your own care, call us today on Freephone 0800 180 4336 to discuss your options or request an appointment below.

Ensuring Quality Care with a Care Fees Annuity

If you need to pay for your own care, a care fees annuity will not only offer tremendous peace of mind, but will also enable your parent or relative to continue receiving the care they deserve.

To discover just how much a care fees annuity might cost, request your FREE quotes today

Please note: These plans are not offered direct by the insurers


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Telephone: 0800 180 4336



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