Deferred Payment Agreement Policy and the Disability Related Expenditure Policy consultation

​This consultation is now closed.


This consultation follows on from Cheshire West and Chester Council’s wide-ranging Let’s Talk consultation held last year and the introduction of the Care Act 2014.

The Council and its partners strive to provide compassionate and joined up care that supports the independence of older people and vulnerable adults. When people can no longer live independently and need residential care, if they have a house to sell to pay the fees, the Council can offer them the option to defer the payments so that they don’t have to sell their house straight away. This is called a Deferred Payment Agreement.

The Council also wants to make the financial assessment process easier and less intrusive for service users when they are calculating the allowance they will receive for Disability Related Expenditure.

We want to emphasise that anyone who already has a Deferred Payment Agreement or has been financially assessed for Disability Related Expenditure will not be affected by these proposed changes.

What we are consulting on

The Care Act 2014 seeks to bring together a number of existing pieces of legislation and introduce new duties to local authorities to ensure that wellbeing, dignity and choice are at the heart of health and social care.

We want to tell you about some of the proposed changes and gather views on the way the changes will be implemented. In particular, we are interested in your views about:

Deferred Payments

If you need residential care and have a house to sell to pay the fees, you may be able to delay selling your home until you are ready, or even until after your death and defer some of the costs against the equity in your home. This is called a Deferred Payment Agreement. Interest can apply for the duration of deferred arrangements up to a nationally set maximum rate.  Setting up a deferred payment will also incur a one-off administration charge.

Financial Assessments for Disability Related Expenditure

The Care Act brings charging regulations together under one piece of legislation. It allows Councils, where possible, to undertake a light touch financial assessment. A light touch financial assessment can be carried out by accessing financial information that is already available to the Council or through telephone discussions rather than visiting to collect and verify financial information in each case. We propose to implement a light touch financial assessment for Disability Related Expenditure, incorporating a fixed allowance. This will reduce the need for an individual face to face assessment to determine the costs of Disability Related Expenditure in every case, and thereby reduce the need for quite personal and sensitive discussions.

For further information about the Care Act:

How to get involved

The consultation runs from 23 May 2016 to 14 August 2016, and face to face discussions of these two policies and their impact to NEW Service Users will be raised at Partnership and Stakeholder events throughout the period. We are particularly keen to hear from service users, future service users, carers and Service Providers.

Please read the information in the consultation document before giving us your views:

You can either complete the online survey or print off the paper consultation document and post it to us. Paper questionnaires and easy read versions will be available at stakeholder and provider events.

Other ways to express your views

How your views will be used

After the consultation ends on 11 August 2016 we will consider all the feedback received, review proposals and publish our final decisions and the revised policies on our website.

Further information

Council information is also available in audio, braille, large print or other formats. If you would like a copy in a different format, in another language or require a British sign language (BSL) interpreter:


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