Direct Payments
A way for people with assessed care needs to receive cash from the local council instead of council-arranged services — so you can choose and manage your own support.
Key Facts
- You receive cash to buy your own care instead of having it arranged for you
- Available to adults who have been assessed as needing care by their local council
- Can be used to employ a personal assistant, pay a care agency, or buy equipment
- You must keep records of how the money is spent
- Cannot usually be used to pay a close relative living in the same household
- Carers can also receive direct payments for their own needs
What Are Direct Payments?
Direct Payments are a way of personalising your social care. Instead of the council arranging care services for you, they give you the money directly so you can purchase the support you need. This gives you far more choice and control — you can choose your own carer, set your own schedule and decide exactly what kind of support works best for you.
How Do I Get a Direct Payment?
You need a care needs assessment from your local council. This is free and you are entitled to request one. If the assessment shows you have eligible care needs, the council must offer you the option of a direct payment (unless you live in a care home or receive NHS Continuing Healthcare funding).
The amount you receive is based on what it would cost the council to provide the services you need. If you want to top up and buy more expensive care, you can — using your own money alongside the direct payment.
Employing a Personal Assistant
Many people use direct payments to employ a personal assistant (PA) — someone they hire themselves. This gives you the most flexibility. Your PA can help with anything from personal care to going out, cooking, driving, and social activities. You become an employer, which comes with responsibilities — payroll, contracts, insurance — but many councils and organisations like Skills for Care offer free support with this.
Managing the Money
You usually need to set up a separate bank account for the direct payment money. You keep records of what you spend it on, and the council will audit this periodically. The money must be used for your assessed care needs — though there is flexibility in exactly how, as long as the outcomes (your independence, safety and wellbeing) are met.