Top-Up Fees: When Families Pay Extra for Care
If council funding doesn't cover your preferred care home, a top-up may be needed. This guide explains how top-up fees work and your rights.
Important
When someone qualifies for council-funded care but wants a more expensive care home than the council will pay for, a 'top-up' payment covers the difference. These are usually paid by family members.
The council has a 'usual cost' rate for care homes in your area. If your preferred home costs more, someone (not the person receiving care) can pay the difference.
- Family members or friends
- Charities (in some cases)
- A trust or third party
- The person receiving care (only in specific circumstances with a deferred payment agreement)
- How much is the top-up and how often will it increase?
- What happens if the payer can't continue paying?
- Is a written agreement in place?
- Has the council confirmed the care home meets assessed needs?
- Are there suitable homes within the council rate?
If the third party stops paying, the council may move the resident to a cheaper home. Top-ups can increase over time. Always get written agreements setting out responsibilities.
Councils must offer at least one suitable care home within their rate. You cannot be forced to accept a top-up arrangement. The council must clearly explain all options.
Age UK: 0800 678 1602 for guidance on top-up arrangements. Your local council must explain your options. Care Directory: 0808 501 0191
Frequently Asked Questions
What is a care home top-up fee?
A top-up is the difference between what the council pays and what a care home charges. If you want a more expensive home than the council rate, a third party (usually family) pays the extra amount.
Can I pay my own top-up?
Generally no - the person receiving care cannot pay their own top-up from income or savings. A third party must pay. The only exception is using a deferred payment agreement in certain circumstances.
What if the person paying the top-up can't afford it anymore?
This is a significant risk. If payments stop, the council may move the resident to a cheaper care home. Always consider long-term affordability before agreeing to top-ups.
Can the council force me to pay a top-up?
No. Councils must offer at least one suitable care home within their standard rate. Top-ups are optional if you want a more expensive home, but you have the right to refuse.
Need More Help?
Support Organisations
- Age UK:0800 678 1602
- Carers UK:0808 808 7777
- Alzheimer's Society:0333 150 3456
- Parkinson's UK:0808 800 0303
Care Directory Support
Sources & References
- Gov.uk
- Age UK
- SCIE