Care Act 2014

Care Act Deferred Payment Agreements

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Care and support in England is changing for the better. The new Care Act helps make care and support more consistent across the country.

'Care and support' is the term we use to describe the help some adults need to live as well as possible with any illness or disability they may have. It can include help with things like washing, dressing, eating, getting out and about and keeping in touch with friends or family.

If you receive care and support, or you support someone as a carer, you could benefit from the changes.

Planning for care costs

Deferred payment agreements are now available in all areas of England which means that people may not have to sell their homes in their lifetime to pay for their care, as they have sometimes had to do in the past.

Choosing a deferred payment agreement

A deferred payment agreement is an arrangement with the council that enables some people to use the value of their homes to pay for their care costs.

If you are eligible, we will help to pay your care home bills on your behalf. You can delay repaying us until you choose to sell your home, or until after your death.

We will charge a small amount of interest on the amount owed to us, and there may also be a fee for setting this arrangement up. These will be set to cover the council's costs and not to make a profit.

Considering your options

Deferred payment agreements will suit some people's circumstances better than others'. If you are still living in your own home, you will not need a deferred payment agreement.

A deferred payment agreement is only one way to pay for care.

To find out more about the options available, you can speak to a financial adviser or seek advice from an independent organisation.

If you have any further questions, please speak to our Gateway to Care Team on 01422 393000 who will be happy to help.


The Council is required by the Care Act to offer Deferred Payment Agreements. Some aspects are a matter for the Council to decide itself and it is on these matters that Calderdale Council particularly seeks your views. Deferred Payment Agreements allow care home costs, if eligible, to be deferred until you choose to sell your home or until after your death. The administration costs incurred in this arrangement can either be recovered from the individual who benefits or from the general community care budget (which may put other services at risk).

Please let us know your views about these proposals by completing the online Deferred Payment Consultation Survey. Thank you for your participation.

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Last Updated: 04/05/2016