Step one: a needs assessment
Leeds City Council's adult social care team will carry out a needs assessment for anyone who may need care - your money doesn't come into it at this stage. The assessor works through the daily tasks that have become difficult and whether you meet the national eligibility criteria. You can request one by contacting the council directly; a GP or hospital team can also refer you.
Step two: the financial assessment
If you're eligible for support, the council will look at your income and savings to decide how much you contribute. In England for 2026/27 the thresholds are:
- Savings and capital over £23,250: you normally pay the full cost of your care yourself
- Between £14,250 and £23,250: you contribute from your savings as well as your income
- Under £14,250: savings are ignored, and you contribute from your income only
Your home and care at home
When care is provided in your own home, the value of the home you live in is not counted in the financial assessment. That's an important difference from moving into a care home, where the property can be taken into account after the first 12 weeks.
If the council does fund some of your care, you can usually ask for a direct payment and use it, with your own money, towards the care you choose - including live-in care.
Attendance Allowance
Once you've reached State Pension age, Attendance Allowance can help if illness or disability means you need looking after. Your savings and income make no difference to whether you get it. The 2026/27 weekly rates are £76.70 (lower) and £114.60 (higher - for people who need care at night as well as by day).
If you already claim it, check whether your needs now qualify you for the higher rate.
NHS Continuing Healthcare
If your needs are mainly health needs - for example, complex conditions that need ongoing clinical oversight - you may qualify for NHS Continuing Healthcare, which pays for care in full, whatever your finances. In Leeds it is arranged through NHS West Yorkshire Integrated Care Board.
The process normally begins with a short checklist, filled in by a nurse or social worker; if that flags possible eligibility, a multidisciplinary team carries out the full assessment. People reaching the end of life can be fast-tracked.
Getting independent advice
Care funding rules are complex. Independent financial advisers who specialise in later-life care, Age UK and Carers Leeds can all help you understand your options before you decide.
This guide is general information, not financial or legal advice. Funding rules and benefit rates usually change each April.