If you are in a care home (on either a permanent or temporary basis) and your savings are above the upper capital limit (see Box I.7 ), you will have to pay the full cost of your accommodation until your capital drops to this limit. Some capital is disregarded in the assessment. If you have capital between the lower and upper capital limits, a ‘tariff income’ is assumed. Capital under the lower capital limit is disregarded. Capital is either ‘actual’, ie you own it and it is available to you, or ‘notional’, ie you are treated as owning the capital even if it is unclaimed or transferred to another person in an effort to avoid care home charges. See Box I.7 and 11 to 13 below for details (including about how your property is treated).
Care & Support Statutory Guidance, Annex B

If you are already in a care home but have not needed help because your capital is above the upper capital limit and