If your savings are above the upper limit (shown in the middle column of the table), you’ll have to pay your full care costs yourself until your savings have fallen below that threshold.
But it’s still worth contacting your local council or trust, as you still have the right to a free care needs assessment, regardless of your financial situation.
If your savings are below the upper limit, but above the lower limit (shown in the last column), your local council will pay some of your care costs. But you’ll also be expected to contribute out of your savings.
This doesn’t apply in Wales, where there’s just one savings limit – you get no funding (above the limit), you get some help (below the limit).
Even if your savings are below the lower limit, which means you get the maximum funding from your local council, you’ll usually still be expected to pay part of your income towards the cost of care.