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If you are a home owner moving to residential care this scheme is designed to assist you with the payment of your care home fees. In return for a legal charge on your property, Bournemouth Borough Council pays agreed care costs which will be repaid when the property is sold.
This arrangement is similar to an interest-free loan for the period of the deferred payment agreement. There is a one-off charge of £500 to cover additional administration, legal and Land Registry costs.
It is for home owners moving permanently into residential care funded by the local authority who either:
To join the scheme you must
For the first twelve weeks your property is disregarded. After this time you will need to agree to Bournemouth Borough Council placing a legal charge on your property. In return the Council will pay the balance of care costs up to an agreed rate that would have been met from the sale of the property.
After this twelve week period you could also use the scheme to pay for more expensive accommodation depending on the net value of your property.
The money must be repaid either:
Interest will be charged if the debt is not repaid at the end of the agreed period.
If you are planning to live in a residential home permanently following a Community Care Services assessment and are thinking about deferred payments you should discuss it with your care manager. If you decide to go ahead, the care manager will notify the Council's Financial Assessment and Benefits Team.
A contract letter and terms of the agreement will then be sent to you. This indicates the assessed payments to be made under the scheme and the terms of the agreement.
If you have already moved into residential care but have only just heard of the Deferred Payment Scheme you may still be eligible.
Financial Assessment and Benefits Team
Tel: 01202 451346 / 451567 / 451617
Wallisdown Heights Office,121 Canford Avenue, Bournemouth, BH11 8SH
Out of Hours:
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