Cornish-S
As I understand the current rules the threshold is £23250 so surely "Zelda" has improved your lot.
capital is the phrase used to describe the total amount of your savings, any property you own and any shares you might have. It does NOT include your pension and benefits you might be getting
Over £23,250..You must pay full fees (self-funding) [Snipped from the table below the quote above]
Paying for permanent residential care | Care homes | Age UK