1 12 WEEK PROPERTY DISREGARD PERIOD AND THE DEFERRED PAYMENT AGREEMENT Information Pack for our service users and their families or representatives What is the 12 week Property Disregard Period? The Council will disregard the value of your property which was your former main or normal residence, for the first 12 weeks of your permanent residential or nursing care placement. If your stay was initially temporary the 12 weeks starts from the date it is decided your care is permanent. If your property is sold within this 12-week period, the Council will take into account the money you receive from the sale as capital and you will be expected to pay the full cost of your care. Although the value of your property is disregarded during this time, you will still be required to complete a 'Financial Assessment' this is to establish what you can afford to contribute towards your care costs from your income and other savings. The financial assessment is means tested and is a statutory requirement as it is expected that everyone will pay towards their care. The assessment is carried out in line with the Department of Health Guidance 'Care and Support Statutory Guidance,' for further information please visit: https://www.gov.uk/government/publications/care-act-2014-statutory-guidance-for-implementation In addition to completing the financial assessment the Council will also check to ensure that you are receiving all the financial benefits that you may be entitled to, and will assist you to claim any benefits not in payment. Before the end of this 12 week period, you will be asked to confirm if you would like to be considered for the Deferred Payment Agreement (please see below), as the initial contract with the home will cease at the end of the 12 weeks. If you have been in residential or nursing care and paying for your care fees without any assistance from the Council for more than 12 weeks, the 12 week property disregard will not apply to you. However, there are certain circumstances, when this may be considered, for example there may be a sudden and unexpected change in your financial circumstances. The Council will consider each case on its own merits. New Deferred Payment Information March 2015 Page 1
2 What is a Deferred Payment Agreement? A Deferred Payment Agreement is designed for people who own their own home, but either do not wish to or cannot sell it immediately and cannot meet the full cost of their care home fees from their other income or capital. A Deferred Payment Agreement can only apply to the property which was your former main or normal residence. Effectively, the scheme offers you a loan from Worcestershire County Council using your home as security. It doesn't work in exactly the same way as a conventional loan - the Council doesn't give you a fixed sum of money when you join the scheme, but pays an agreed part of your weekly bill up to the agreed 'Equity Loan Limit' or until the agreement is terminated. You pay the part of your weekly charge that you are assessed as being able to afford from your income and savings, and the Council pays the part of your weekly charge that you can't afford until the value of your home is realised. The part that the Council pays is your 'Deferred Payment'. The deferred payments build up as a debt - which is cleared when you have the capital available to clear the debt, this for many people will be done, when they sell their home, either immediately or later on. Any Deferred Payment Agreement would be set up to begin at the beginning of the 13 th week of your permanent residential or nursing care placement. Appendix 5 gives a basic overview of how this process works How does the agreement work? If you decide to use the Deferred Payment Agreement Scheme, the Council will carry out preliminary checks to establish, ownership and property value, and then using this information will be able to calculate your share in the property and your 'Equity Loan Limit'. To see how we do this, please see Appendix 2. One this has been established your will be offered a Deferred Payment Agreement, you enter into an agreement with the Council by signing an agreement document. The Council then places what is called a 'legal charge' on your property to safeguard the loan. This operates as a mortgage on the property. The agreement document covers both the responsibilities of the Council and your responsibilities, one of which is to make sure that your home is adequately insured and maintained. You can end the agreement at any time by paying off the outstanding debt under the Deferred Payment arrangements (for example, if you sell your home). The loan also becomes repayable from your estate in the event of your death. The Council cannot cancel the agreement without your consent. PLEASE NOTE: Acceptance of any application under the scheme is at the discretion of the Council and resources to fund the scheme are limited. New Deferred Payment Information March 2015 Page 2
3 Do I have to pay to enter in to a Deferred Payment Agreement? You will be asked to pay an administration fee (see Appendix 1 for the current amounts) which will be payable at the time the charge is placed against the property and the Deferred Payment Agreement is entered in to. This fee covers the Council's administration costs, legal costs and disbursements involved in drawing up the agreement, carrying out searches and placing the legal charge against your property. The amount of the administration fee will depend on whether the property is registered or not with Land Registry. Compound interest will also be applied to the Deferred Payment, this is set nationally by the Department of Health and is reviewed every six months, usually in July and January of each year. The currently interest rate can be found at Appendix 1. In certain circumstances additional costs may also be incurred which will be added to the deferred payment debt, for example, this could be if a specialist valuation is required at any point during the life time of the agreement. What are the advantages of using the Deferred Payment Agreement? An advantage of entering into the Deferred Payment Agreement is that you do not have to sell your home in your life time if you do not want to. You can claim Attendance Allowance from the 13 th week of the permanent residential or nursing placement, or, if you are under pensionable age, the care component of Disability Living Allowance or the daily living component of your Personal Independence Payment. This means that you will have extra income to contribute towards the weekly cost of your care, and will reduce your eventual deferred payments debt. You should take independent legal and financial advice to help you decide which course of action would be financially better for you. If there is an agreement for a Top Up (sometimes referred to as an Above Banding Supplement) towards your placement and you choose to enter a Deferred Payment Agreement, you can add the cost of this to your overall loan, but only if the Council agrees that there is enough equity in your home. How do I know if I am eligible for a Deferred Payment Agreement? In order to be considered for a Deferred Payment Agreement you will need to satisfy the following conditions: You have been assessed as requiring 24 hour care and this is to be provided in a care home setting, and You own a property which was your former main or only home, and Excluding the value of this home, you have capital less than or equal to the upper capital threshold (see Appendix 1) If the Council is unable to disregard the value of your former main or only home, under either mandatory or discretionary disregards, details of when a disregard can be consider can be found in the Council's 'Deferred Payment Agreement Policy'. Your loan is able to be secured by way of a legal charge being placed on your property in favour of Worcestershire County Council New Deferred Payment Information March 2015 Page 3
4 Is there a limit to how much I can borrow? A maximum amount you can borrow will be agreed based on the available equity available in your share of the property. For the purposes of a Deferred Payment Agreement and the charges incurred under it, the value of your property will be assessed at its current market value, less any mortgage or loan secured on it and less 10% of its value where there would be expenses involved in selling it. The 10% rule is only for calculating the value of a property before its sale (see Appendix 2 for an example of the calculation). You will be asked to provide an estimate of its current value; the Council will compare this against current market trends within your area. Should there be any discrepancy the Council may ask you to provide a valuation form a recognised Estate Agent. Once the property has been sold you will be treated as having the actual share of the sale proceeds you receive once any secured debts and the actual expenses of sale have been paid. Should you decide to rent out your property whilst in a Deferred Payment Agreement, you would be expected to use the rental income to increase the amount that you contribute towards your weekly care home fees, and therefore, reducing the debt accruing with the Council. However, before entering in to any tenancy agreement, you must obtain consent from the Council and can do this by contacting the Care Contribution Assessment Team. The Council will disregard 25% of the gross rental income. The Care Contribution Assessment Team will ask you to provide verification of the proposed tenancy agreement and rental income. What if I am acting on behalf of someone else? If the person receiving care lacks the capacity to make decisions regarding their finances, there must be a legally appointed representative who can make decisions on their behalf. This must be someone who holds Enduring Power of Attorney, Lasting Power of Attorney (for property and finance) or a Deputy appointed by the Court of Protection, If you are appointed to act for someone, you will be asked to provide verification of this. Please see Worcestershire County Councils Deferred Payment Agreement Policy for more information. Where you can get independent advice Worcestershire County Council strongly recommends that you take independent legal and/or financial advice before you sign the Deferred Payment Agreement documents. If you need further guidance concerning local authority charging for residential and nursing care, independent advice can be obtained from Citizens Advice Bureaux, charities for older people, solicitors and financial advisors. Please see Appendix 4 for useful contact details New Deferred Payment Information March 2015 Page 4
5 What happens next? We would like you to confirm that you have received this information pack. Please complete the form at Appendix 3 called: 'Property Information Acknowledgement' When we receive this form we will complete some preliminary checks to see if your property can be considered for a Deferred Payment Agreement. We will write to you to confirm either way and if it can be considered we will send you a Deferred Payment Application form. What if I want to apply for a Deferred Payment Agreement? If you would like the Council to consider you for a Deferred Payment Agreement, you will need to complete and return the 'Deferred Payment Application Form' and send this to: Care Contribution Assessment Team County Hall Spetchley Road Worcester WR5 2NP *This must be submitted by the end of the fourth week of your stay at the latest. What happens when you get my application form? Should your property be eligible for a Deferred Payment Agreement following the Councils preliminary checks, your will receive a 'Deferred Payment Offer Letter' outlining your 'Equity Loan Limit' available to you. In addition we will also send you a formal Deferred Payment Agreement. This is the legal contract between yourself and Worcestershire County Council. You will receive two copies of the agreement one is for you to retain for your records and the other is to be signed and returned to the Council along with any requested documentation. It is important that you fully read the agreement including the terms and conditions before signing it. The following documents must be returned to us within 7 days: Check list 1. One signed copy of the Deferred Payment Agreement 2. Evidence of Identify of the property owner By way of either ONE item from List A and TWO items from List B as follows:- New Deferred Payment Information March 2015 Page 5
6 List A current valid passport current photocard driving licence (not provisional licence) old style driving licence List B cheque guarantee or credit card supported by an original account statement less than 3 months old Utility bill less than 3 months old (postal statement and not an internet statement) Council tax bill for current year Rent account statement or rent book showing rent paid for the last 3 months Mortgage Statement for the current mortgage year (postal statement and not and internet statement) 3. One Copy of the Lasting Power or Attorney/Deputyship 4. One form of Identification relating to the Power of Attorney/Deputy (as above in point 2) 5. Copy of death certificate (if appropriate) should the property be owned between the present owner and a deceased partner These forms should posted back to the following address within 7 days of receipt: Deferred Payment Agreement Care Contribution Assessment Team Adult Services and Health Worcestershire County Council County Hall, Spetchley Road Worcester, WR5 2NP The Council will write to you to confirm once the legal charge has been placed on your property and the Deferred Payment Agreement has started. Once your agreement is in place, the Council will monitor your accruing loan and will provide you with statements every six months to keep you up to date. What is the financial assessment and why do I need to complete one? A financial assessment is a means tested assessment based on your income and savings (excluding the value of your home) to establish what your contribution will be towards your care cost fees. Whilst we are gathering information to be able to accurately assess how much you will be asked to pay, you will be charged a provisional contribution for long term residential or nursing care and this will be payable to the home. (see Appendix 1 for current rates) If your property falls to be disregarded for the first 12 weeks, your financial assessment will not take in to account the value of your home. If you chose to enter in to a Deferred Payment Agreement, from the start of the 13th week of your care, you will have a second financial assessment; called the 'Deferred Payment Financial Assessment' this will establish what you weekly contribution towards your care costs will be from the start of your Deferred Payment Agreement and will be reviewed annually. As part of this assessment we will leave you with the 'Disposal Income Allowance' (see Appendix 1) This allowance is to cover your weekly personal expenditure and the cost of insuring and maintaining your property whilst you are in the care home. For more information regarding the 'Disposal Income Allowance' and what you can choose to retain please refer to the Councils 'Deferred Payment Agreement Policy' Deferred Payment Information Pack CA Page 6
7 The Council works in partnership with The Department for Work and Pensions, Pensions Service and in order for us to ensure you are receiving all the benefits you are entitled to, we need your consent to share information. You can give your permission when completing the Deferred Payment Application Form Worcestershire County Council supports the objectives of the Data Protection Act 1998 and is registered as a data controller. Information that you provide will be governed by the requirements of the Data Protection Act 1998 and may be processed by the Council in the performance of its statutory duties or for purposes required by law. More information is available at www. worcestershire.gov.uk This document can be made available in other formats (large print, audio tape, computer disk and Braille) on request from Care Contribution Assessment Team on telephone number or by ing To the best of our knowledge all information was correct at the time of printing: March 2015 Deferred Payment Information Pack CA Page 7
8 PROPERTY INFORMATION PACK - APPENDIX 1 CURRENT FINANCIAL INFORMATION Upper Capital Limit 23, From April 2015 Lower Capital Limit 14, From April 2015 Administration Fee if the property is registered with Land Registry or if it is unregistered. Interest Rate From 1 st July 2015: 2.25% (interest will be compounded) Personal Expenditure Allowance Disposable Income Allowance per week per week Provisional Assessed Contribution April April per week (under pension age) pw per week (over pension age) Deferred Payment Information Pack Appendix 1 March 2015 Page 1
9 PROPERTY INFORMATION PACK - APPENDIX 2 EXAMPLE: SUFFICIENT EQUITY TO COVER CARE COSTS? Value or Property 150, Less 10% (selling fees) 15, Less Lower Capital Threshold 14, Equity to be considered 120, Proposed cost of weekly care package Less an average Client Contribution Weekly amount to be loaned Annual cost of loan 13, Approx Length of time equity would last 9.3 Years Total Equity of 120, is divided by the annual cost of the loan which is 13,000.00; this gives the Council an idea of how long the equity would cover the proposed weekly care costs. In this case it would cover just over 9 years. Please note that this is an example of how equity is calculated for the Deferred Payment Scheme, the figures mentioned above are an example only and do not reflect the available funding for care packages. For further information about Worcestershire County Council's 'banding rates' for long term care, please speak to your Social Worker. Information about how the client contribution is assessed please refer to the 'Financial Assessment Information Pack', which should have been supplied to you by your social worker. New Deferred Payment Information Pack Appendix 2 March 2015 Page 1
10 APPENDIX 3 PROPERTY INFORMATION ACKNOWLEDGEMENT Please complete the form using BLOCK CAPITALS throughout. Section 1 Details of person moving into residential or nursing care Mr/Mrs/Ms/other.. Surname.. First names.. Date of birth / / National Insurance Number... Phone number, where you can be contacted.... Section 2 Details of representative (if relevant) Mr/Mrs/Ms/other.. Surname First names... Address Post code.. Telephone Date of birth / / . Relationship to person named in Section 1 (e.g. son, daughter, solicitor)... Do you have legal authority to act on behalf of the person named in Section 1? Yes No If YES, please tick the relevant box below to indicate the authority you have and provide evidence of your authority, e.g. full Power of Attorney document, when returning this document: Power of Attorney Deputyship SECTION 3 - Details of your former residence Address Post code..... Do you own the property specified above? Yes No If YES, please tick the relevant box I am the sole owner I own it with someone else Deferred Payment Information Pack Appendix 3 v.10 Page 1
11 Please give details (for example, jointly owned, tenancy in common) and give the names on the deeds... What type of property is it? (please tick relevant one) Flat Terraced Detached Bungalow Semi Detached Other (please state) How many bedrooms/bathrooms are there? When did you buy your home? Price paid.... Estimate of current value.. Is your home mortgaged or have you taken out an equity release against the property? Yes (mortgage) Yes (equity release) No If YES, please tell us the amount borrowed. and amount outstanding. Please provide supporting evidence e.g. Mortgage Statement or Equity Release Agreement document. Does anyone else normally live in your home with you? Yes No If YES, please provide the following information: Name Age Relationship to you Date Moved into the property Is the property currently (* Please tick appropriate box in first column below and provide appropriate information) * Unoccupied? * Rented out? Net rental income? weekly/four weekly/calendar monthly * Up for sale? Asking price? SECTION 4 Additional Property or Land Do you own any additional property or land? Yes No (if no please go to page 3) If YES, please tick the relevant box I am the sole owner I own it with someone else Please give details (for example, jointly owned, tenancy in common) and give the names on the deeds... Address Post code..... Deferred Payment Information Pack Appendix 3 v.10 Page 2
12 DECLARATION I agree that any personal and financial information I have provided to The Pension Service or Worcestershire County Council, for the purpose of assessing either my entitlement(s) to benefits and pensions or residential care charges, may be passed between these organisations so that they can assess my entitlement to benefits and pensions or residential care charges. I understand that I may withdraw my consent to the disclosure of such information at any time by writing to: The Care Contribution Manager Care Contribution Assessment Team Adult Services & Health, Worcestershire County Council County Hall, Spetchley Road Worcester, WR5 2NP I declare that the information on this form is correct and complete. I authorise Worcestershire County Council (Adult And Community Services) to obtain any details regarding my financial affairs and assist me to claim any benefit to which I may be entitled. I declare that I have applied for all Social Security benefits available for residential, nursing or domiciliary assistance to the best of my knowledge. If I receive residential accommodation, I understand that I will be responsible for contributing toward my residential accommodation as assessed by the Local Authority for the duration of the contract between the County Council and the home including periods of up to six weeks if I am absent. Are you the person receiving care? If so, please sign below: Signature: Date: If you are signing the form for someone else please read below: You can sign this form for the service user but they must still sign it themselves unless one or more of the following apply. Please tick all the relevant boxes. tick tick I hold a power of attorney to receive and deal with their benefits from social security I am Appointee, appointed by the department for Work and Pensions (DWP), to receive and deal with their benefits and their letters from social security Signature: Date: Print Name: Office Use Please scan and upload This document can be made available in other formats (large print, audio tape, computer disk Name and of Social Braille) Worker: on request from Benefits & Contributions Team Date: on telephone / number / or by ing Signature: Deferred Payment Information Pack Appendix 3 v.10 Page 3
13 PROPERTY INFORMATION PACK - APPENDIX 4 USEFUL NUMBERS The Care Quality Commission The independent regulator of adult health and social care services in England, whether provided by the NHS, local authorities, private companies or voluntary organisations. Also protects the rights of people detained under the Mental Health Act. Tel: Website: Carers UK National charity working on behalf of carers. Offers wide range of information on carers rights and sources of help and contact details for local carers support groups. Tel: (free call) Website: Citizens Advice Bureau (CAB) National network of free advice centres including advice about national housing provision. Tel: (for contact details only not telephone advice) Website: Counsel and Care A charity that provides advice for older people, their families and professionals on community care and other issues. Tel: (lo-call rate) Website: Department of Health Government department with overall responsibility for social care including residential care homes. Tel: (national call rate) Website: Elderly Accommodation Council Provides information on all forms of accommodation, support and care for older people. Tel: Website: Financial Services Authority (FSA) May be able to help you to find an independent financial advisor. Tel: (Money Advice Service) Tel: (Consumer Help Line) Website: Or : Deferred Payment Information Pack Appendix 4 March 2015 Page 1
14 Pension Service (The) For details of state pensions including forecasts and how to claim your pension. Tel: (lo-call rate) State Pension Forecasting Team: (lo-call rate) Website: Relatives & Residents Association (The) The Relatives & Residents Association gives advice and support to older people in care homes, their relatives and friends. Tel: Website: Veterans UK Website bringing together services for veterans including advice on pensions, compensation and welfare services. Tel: Website: Worcestershire County Council Care Contribution Assessment Team County Hall Spetchley Road Worcester WR5 2NP Tel: Website: Deferred Payment Information Pack Appendix 4 March 2015 Page 2
15 Appendix 5 This diagram illustrates what the process is to determining if someone may be considered for a Deferred Payment Agreement The diagram is based on someone being assessed as having a care and support need Does the person have capital over 23,250.00? (excluding their main or only home) No Is the care and support needs going to be met in a care home? Yes Yes No The person is deemed a self funder and able to pay for the care and support needs in full and cannot be considered for a Deferred Payment A Deferred Payment Agreement cannot be considered if the care and support is not being met in a care home Do they own or joint own a property or land? No A Deferred Payment Agreement cannot be considered if they do not own any property of land Yes A Deferred Payment Agreement can be consider. An application form must be submitted, this can be found in the Property Information Pack If a Deferred Payment Agreement is agreed and entered in to the loan begins (Example below) Weekly Assessed Contribution paid by the individual towards their care and support, usually paid direct to the home Total Weekly cost of the care and support needs Worcestershire County Council Weekly Contribution paid direct to the home Weekly Top Up paid by Worcestershire County Council direct to the home (if agreed that there is sufficient equity to add this to the loan) This is the total weekly loan which will accrue whilst on a Deferred Payment Agreement
16 This document can be made available in other formats (large print, audio tape, computer disk and Braille) on request from Care Contribution Assessment Team on telephone number or by ing To the best of our knowledge all information was correct at the time of printing: March 2015 New Deferred Payment Information Pack Appendix 2 March 2015 Page 2
What is the Deferred Payments Scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential care but cannot afford to pay the
Deferred Payment Scheme This leaflet gives a guide to Derbyshire County Council s Deferred Payment Scheme Contents What is the Deferred Payment Scheme? Page 3 To apply for a Deferred Payment you must...
Deferred Payment Agreements Paying for your Care in a Home Barnet Council s Deferred Payment Scheme What is a Deferred Payment Agreement? A Deferred Payment Agreement is an arrangement with the Council
People moving into a care home who have a property Information sheet D4 April 2016 This information sheet explains your rights as a homeowner if you are moving into a care home with financial support from
Deferred Payment Scheme Information Leaflet What is the Deferred Payments Scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential
Paying for your Care in a Home The Council s Deferred Payment Scheme Introduction Our leaflet A Guide to entering a care home explains how you can ask the Council to help you with the cost of your care
Adult Social Care and Health Deferred Payment Agreement Scheme Information about the Council s Deferred Payment Agreement Scheme an option to help you manage care home costs if you own your property www.reading.gov.uk/carecharges
Paying for your own residential care June 2015 Page 1 Contents How will I know whether my needs have to be met by residential care?... 3 How do I find a home?... 3 How much will I have to pay towards the
Paying for your own residential care October 2015 Page 1 Contents How will I know whether my needs have to be met by residential care?... 3 How do I find a home?... 3 How much will I have to pay towards
Deferred Payments People & Communities What is a Deferred Payment? A Deferred Payment is designed to help you, if you have to pay the full cost of your residential care, but cannot afford to pay the full
Deferred Payment Agreement Factsheet What is a Deferred Payment Agreement? Deferred Payment Agreements are designed to help you if you have been assessed as having to pay the full cost of your residential
Wiltshire Council PAYING FOR RESIDENTIAL OR NURSING CARE WHERE PEOPLE OWN THEIR PROPERTY INTERIM ADVICE PENDING NEW POLICY 2015 2016 Please note, this is interim guidance pending changes to the Councils
Information on the Council s Deferred Payments Scheme What is the Deferred Payments Scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost
What is the Deferred Payments Scheme? Help with paying for your care The Deferred Payment Scheme can help you pay for your care home fees, if you own your home and cannot afford to pay the full fee, as
Deferred payment agreements in Suffolk Please note we strongly recommend that you take independent financial advice if you are considering using the deferred payment scheme from Suffolk County Council.
Deferred Payment Scheme Information and guidance 2015/16 What is the Deferred Payment Scheme? The Deferred Payment Scheme is designed to prevent people from having to sell their home, in their lifetime,
Thinking about residential and nursing home care - money matters March 2017 This leaflet replaces all other information produced before 1 Deciding to go into a residential or nursing home can be difficult.
Deferred Payment Agreement (DPA) Fact Sheet From April 2015, all councils in England are required to provide a Deferred Payment scheme for local residents. This will apply to anyone who owns a property
Guide to Charges for Residential Accommodation for People with Property Adult Services Big plans for the care we provide What is the Deferred Payment Scheme? If you need to have permanent residential/nursing
Deferred Payments Information for people moving into residential care who own a property Deferred Payments The Deferred Payment Scheme is designed to help you if you have been assessed as having to pay
M ay 20 15 Paying for residential and nursing home care if you own property If you need help understanding this leaflet, an interpreting service is available. Please phone Stockport Interpreting Unit on
Deferred Payments A guide to Paying for residential care if you own your home What is the deferred payment scheme? If you are a home owner moving to residential care this scheme is designed to assist you
Royal Borough of Windsor and Maidenhead Deferred Payments Scheme Guidance Notes for residents, relatives and carers What you need to know June 2015 Windsor, Ascot and Maidenhead What is the Deferred Payments
Financial Information Guide: Residential / Nursing Financial Information Guide for people going into a care home, or care home with nursing on a permanent basis 2015/2016 This booklet explains: 1. About
Blackburn with Darwen Borough Council Deferred Payments Scheme A guide to Deferred Payments paying for residential care or nursing care if you own your own home. 1 What is the Deferred Payments Scheme?
Money and legal matters Deferred payments for people in permanent residential care Deferred payment agreements scheme - Information for residents 2 Deferred payment agreements scheme Contents Introduction
Deferred payment agreements April 2015 This leaflet explains how a deferred payment agreement may help you when you move to a care home What is a deferred payment? A deferred payment is when the council
Charging for Residential and Nursing Care Why do Social Services charge for its services? The Welsh Government expects Social Services Departments to raise income to help pay for the services they provide.
Newcastle City Council Deferred Payment Scheme Effective from 1 April 2015 1 1. Introduction and Legal Status 1.1 The Care Act 2014 (section 34-36) establishes a universal deferred payment scheme, which
Information on: Deferred Payment Scheme From 1 April 2015 Introduction From April 2015 the way care and support is provided is changing for the better. The Care Act 2014 is a recent piece of legislation
DEFERRED PAYMENTS IMPLEMENTATION TOOLKIT Produced by NAFAO on commission from: V1.0 December 2014 Contents Topic Page Good Practice Guide....... 3 1. Legal Status... 3 2. Eligibility Criteria... 3 3. Permission
Deferred payment information London Borough of Care Act April 2014 April 2015 1 The London Borough of Deferred Payments Scheme From April 2015 Charges for Residential Accommodation and other specific settings
Deferred Payment Scheme Application Form How to complete this application form You will need to fully complete the form starting on page three of this booklet. Please ensure you have read the leaflet Information
Care and Support Charging and Financial Assessment Framework Effective date 1 st April, 2015 Approved by Adult Social Care, Children s Services and Education Committee Date approved 4 March 2015 Service
A guide to Deferred Payments Paying for residential care or nursing care if you own your home What is the deferred payment scheme? If you are a home owner moving to residential or nursing care, this scheme
MOVING INTO A CARE HOME Frequently asked questions What types of income and savings are counted as part of a financial assessment? Employment Support Allowance / Incapacity Benefit Pension Credit Former
Care and Support Charging and Financial Assessment Framework Effective date 1 st April, 2015 Approved by Adult Social Care, Children s Services and Education Committee Date approved 4 th March, 2015 Service
www.westsussex.gov.uk/social-care-and-health Deferred payments What do I need to know? www.westsussex.gov.uk/social-care-and-health What is a deferred payment agreement? A deferred payment agreement is
Advice for older people A Guide to Releasing Capital from your Home Advice provided by Advice for older people FirstStop Advice brings together the expertise of some of the most trusted and respected organisations
Tenants Right to Buy SCHEME Owning your own home is closer than you think! from Paradigm Tenants Right to Buy SCHEME There has never been a better time to consider buying your own home. With Tenants Right
Deferred Payment Scheme: Frequently Asked Questions What is a deferred payment scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your
The Deferred Payments Scheme Factsheet If you are considering seeking assistance under the Deferred Payments Scheme, you are STRONGLY advised to seek independent legal and financial advice from the outset.
POLICY FOR THE BREATHING SPACE SCHEME PREFACE The Council is participating in a regional scheme called Breathing Space. The scheme facilitates the provision of loans in accordance with powers given under
Sheffield City Council Adult Care and Support Service Deferred payments adult care and support factsheet Deferred payments allow people who own their own home to use the value of their property to defer
ADULT SOCIAL CARE Adult Residential or Nursing Care Choosing a care home and paying for your accommodation and care Guidance for Service Users April 2015 The contents of this booklet apply only to placements
Mortgage to Rent A Guide for Local Authority Borrowers OCTOBER 2013 Contents 1. What is the Mortgage to Rent Scheme?... 3 2. What are the benefits of the Scheme?... 3 3. Who provides the Scheme?... 3 4.
The Care Act Frequently Asked Questions Deferred Payment Agreement Introduction The Care Act comes into effect on 1 April 2015. It aims to make care and support more consistent across the country. As a
All you need to know about the Seniors Money Lifetime Loan Information for you, your family and your advisers 1 Contents This brochure from Ireland s only specialist Lifetime Mortgage provider highlights
Paying for a care home Will I have to sell my home? www.brent.gov.uk Information for those considering residential or nursing care Revised April 2010 Who is this booklet for? This booklet is to help adults
Charges for Care Homes This information explains how Kirklees Council Adult Services work out charges for care homes for older people and the circumstances in which a third party payment may be charged.
Guide Guide 52 Care Home Fees: Paying them in Scotland Living in a care home can be expensive. Some people are able to pay their own care home fees, but others may need financial support from their local
PAYING FOR CARE Helping you to make the right choices PARTNERS IN MANAGING YOUR WEALTH 1 Few of us will make major financial decisions without consulting an experienced and professionally qualified adviser.
Application form Residential Mortgage Intermediary details This section requires details of any Broker, Packager, Sub broker, or Network who has an interest in this application. THIS PAGE MUST BE COMPLETED
Financial arrangements for your stay in a residential or nursing care home Sometimes living at home is no longer a practical option and moving into a residential or nursing care home may be the best way
LIFETIME MORTGAGE LIFETIME MORTGAGES ALL YOU NEED TO KNOW 1 ALL YOU NEED TO KNOW. 2 LIFETIME MORTGAGES ALL YOU NEED TO KNOW CONTENTS 1. IntrODUCTION 2. AbOUT lifetime mortgages 3. FeaturES of our lifetime
Paying for Care Residential or nursing care Adult Services Each year the Government changes the limits on the amount of savings you can have before you need to pay towards your care. When we refer to these
Residential and Buy to Let Mortgages Request for a Decision in Principle Intermediary details Please tick if this application is Advised (All residential cases must be on an advised basis) Execution only
Use of Housing Equity for Beginners A self training module Commissioned by Written by Supported by About this training module This self training module is for people who want to understand the basic ideas
BRACKNELL FOREST COUNCIL ADULT SOCIAL CARE & HEALTH DEBT RECOVERY POLICY & PROCEDURES POLICY DOCUMENT Table of Contents 1. Definitions and Abbreviations... 3 2. Legal Status... 4 3. Principles for Debt
Be Wise with Hanover Your guide to and advice on benefits Do you know which benefits you could be entitled to? Pension Credit Housing Benefit Council Tax Reduction Attendance Allowance Personal Independence
London Borough of Enfield Health, Housing & Adult Social Care (HHASC) Care home top up fees and charges policy Author Compliance Manager Owner Health, Housing and Adult Social Care Status FINAL Published
APRIL 2015 CARE AND SUPPORT CHARGING POLICY London Borough of Barking and Dagenham Care and Support Fairer Charging Policy 1.0 Introduction 1.1 The Care and Support Charging Policy is designed that the
Bereaved customers Helping you deal with a deceased person s account How this leaflet will help This guide will help if you need to settle the banking affairs of someone who has died. When you are bereaved,
Legal Issues for Older People Your home and the age pension What you need to know QUALIFYING FOR THE PENSION In Australia the age pension is not automatically available to everyone who is of age pension
Charging policy for Adult Social Care services Version Control 1.0 April 2015 Initial Version of Policy 1.1 November 2015 Changes following Charging Consultation September/October 2015 effective 01 January
MBNA customer questionnaire: credit card payment protection insurance WHAT IS THIS QUESTIONNAIRE FOR? This questionnaire is for you to bring a complaint about the sale of payment protection insurance (PPI).
Produced by The Welfare Rights Service Going into a Care Home Benefits and Charges Introduction and Overview 2012/2013 Going into a Care Home: A guide to social security benefits to help meet your contribution
Form US-Individual 2002 United Kingdom/United States of America Double Taxation Convention (SI 2002 Number 2848) Application for relief at source from United Kingdom income tax Claim to repayment of United
House Purchase Loan Application Form Monaghan County Council Loans & Grants Section The Glen Monaghan Co. Monaghan Tel: 047-30526/30503 Fax: 047-82739 Local Authority Reference: CHECKLIST FOR APPLICANT/S
Help and guidance Following Bereavement The loss of a loved one is a particularly difficult and confusing time. It can be hard to know where to start. We re here to help and support you and your family
www.islington.gov.uk My New Home Grant Information leaflet Frequently Asked Questions (FAQs) This leaflet explains how My New Home Grant can help Islington Council tenants buy a home on the open market.
Going into Hospital Money Matters Being admitted to hospital can be very upsetting. Money may be the last thing on your mind. But if you don t have a plan to deal with your money when you are in hospital,
Equity Release Guide 0800 612 5749 www.therightequityrelease.co.uk Helping you make the right decision nationwide service all lenders available personal visits 1 Welcome to The Right Equity Release Who
Financial assessment form Adult social care services This form must be completed if you have asked us for help to arrange a social care service. We need you to give us certain information so that we can
Right to Buy - information for Westminster Council tenants Please read this information booklet carefully. It contains information on the following items: 1. Who has the Right to Buy 2. Under what circumstances
Aldermore 1st Floor, Block B Western House Lynch Wood PETERBOROUGH PE2 6FZ Commercial Mortgage Application Form t 01733 404500 f 0800 0664429 e firstname.lastname@example.org w aldermore.co.uk Intermediary details
Deferred Payment Scheme Deferred Payments Scheme for people going into permanent residential / nursing care Introduction This leaflet is for people who are about to move into permanent residential accommodation
Paying for Adult Social Care services in Leeds Financial information from April 2015 Introduction From April 2015 the way that care and support is provided is changing for the better. The Care Act 2014
Housing options for people with learning disabilities Traditionally, people with learning disabilities have either lived in residential care homes, long-term hospital care, or with their parents or family.
Standard Financial Statement 2 of 12 EBS Standard Financial Statement The information provided in the Standard Financial Statement (SFS) is vital in helping both EBS and our customers to understand their
SETTING UP A TRUST FOR A DEAFBLIND FAMILY MEMBER Introduction Parents who are caring for a deafblind child, or supporting an adult with disabilities can face enormous demands every day. So perhaps it is
House Purchase Loan Application Form Cork City Council Housing Loans and Grants Department, Ground Floor, City Hall, Anglesea Street, Cork www.corkcity.ie 021 4924512 021 4924243 021 4924591 021 4924169
EX160A Court fees - Do you have to pay them? Introduction Her Majesty s Courts Service (HMCS) is committed to ensuring access to justice is protected for those less well-off. When court cases are started