The care cap

Cap on care costs delayed until 2020

On 17 July 2015 the Department of Health notified the Local Government Association (LGA) of plans to defer the cap on care costs and other phase 2 changes until 2020, including the ability for self funders to request the local authority to arrange residential care on their behalf. We welcome the opportunity the deferment brings to review these elements of the Care Act.

For further detail of the delay refer to these frequently asked questions published by the Local Government Association (LGA).

Following this announcement we are reviewing our implementation of the Care Act and making adjustments as necessary. Other aspects of the Care Act, such as those that became active in April 2015, still apply.


How the proposed Department of Health Care Cap could work

Care and support services are not free; most people pay something towards the cost of their care.

Around one in eight people will be unlucky enough to develop care needs that cost them over £72,000 in their lifetime (figures from Department of Health).

The cap on care costs is intended to limit the amount anyone may have to pay for their social care needs from their personal funds.

  • A care account will record a person’s progress towards the care cap. If the cost of your care reaches the limit, you will no longer need to fund your care from your personal funds. However, the cap on care costs only applies to eligible social care needs, it also does not apply to accommodation and food costs – and these costs will not be counted in the care account.
  • You can get more information and advice on planning for care and support costs from your independent financial adviser, the Society of Later Life Advisers or