Ric, I found this a confusing minefield when my mother had to go into care.
Because she "only has Alzheimer's" and isn't considered to be ill (that needs sorting out) she had to pay for her care until her savings and funds from her house sale fell to £23,000.
Part of her care was then paid for and she contributes some until her savings fall to £14,000 when her care will be paid for. She can keep her £14,000.
Now that is the situation in the home my brother and I chose and we confirmed before taking the place that she will not have to move when the £14,000 is reached.
I think that it may be different in different places so perhaps someone with more knowledge will see this..... good luck....it's hard work.....x