These are people who do not meet the asset threshold for Residential Care Subsidy. They pay their own fees which are limited to the Maximum Contribution for contracted care services. This applies to all levels of care; rest home, hospital and dementia. Private payers continue to receive NZ Super.

Maximum Contribution is GST inclusive and rates vary according to land value for different areas of New Zealand. New rates for Maximum Contribution are set on the first day of July each year.  

Where the District Health Board (DHB) contract rate is greater than maximum contribution i.e. for hospital or dementia level care, the difference is covered by Top-Up subsidy. All residents needs assessed as requiring dementia or hospital care receive Top-Up. There is no application process, it is organised by the Needs Assessor.

Care facilities cannot charge for services included in the DHB contract. This applies to residents receiving Residential Care Subsidy and privately paying residents. Extra can be charged for items or services outside of the contract by negotiation. Charges must be specified in the admission agreement.

If you do not financially qualify for a Residential Care Subsidy because you own a property and have limited cash or other assets, you may apply for a Residential Care Loan to assist with the cost of your care.