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Amount that can be deferred

In this section

  1. 1
    Introduction
  2. 2
    Transition to Care Act requirements
  3. 3
    Definitions
  4. 4
    Information and advice about deferred payment agreements
  5. 5
    Mental capacity
  6. 6
    Eligibility criteria
  7. 7
    Adequate security
  8. 8
    Unregistered property
  9. 9
    Requirements for valuation of the secured property
  10. 10
    Maintenance, insurance and use of secured property
  11. 11
    Amount that can be deferred
  12. 12
    Equity limit
  13. 13
    Applications for a deferred payment agreement
  14. 14
    Refusing a request for a deferred payment agreement
  15. 15
    Financial assessment
  1. 16
    The deferred payment agreement
  2. 17
    Registering the charge over the secured property
  3. 18
    Payment of care costs
  4. 19
    When deferral of further care costs must or may cease
  5. 20
    Charging interest on deferred amounts
  6. 21
    Administrative fees and charges
  7. 22
    Provision of regular financial statements
  8. 23
    Terminating a deferred payment agreement
  9. 24
    Debt recovery
  10. 25
    Dissatisfaction and complaints
  11. 26
    Review
  12. 27
    APPENDIX 1 - Deferred Payment Agreement (Traditional)
  13. 28
    APPENDIX 2 - Deferred Payment Agreement (Loan style)
  14. 29
    Policy details

11.1    People may request a deferred payment agreement to cover some or all of their care costs subject to any contribution the council is allowed to require from the person’s income. Please refer to the council’s Financial Assessments and Benefits Team Policy and Procedural Guide. 

11.2    The actual amount that can be deferred varies according to individual circumstances. Decisions are determined by consideration of: 

  • Whether there is adequate security for the deferred payment requested and 

  • Whether the amount deferred is sustainable given:  
    • the likely duration of the deferral

    • projected costs and how care needs and costs may increase over time  

    • the equity available to recover the amount advanced. The equity limit must not be exceeded. See 12 Equity limit below 

Policy published : April 2015      

Policy reviewed : December 2022

Last reviewed:
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