Direct payments

Please read our information on how we are supporting residents and businesses, as well as information on affected services.


Please see our direct payments covid-19 page for specific information

What is a Direct Payment?

A person who has eligible social care needs has choice as to how they can receive their care and support. A social work professional will assess your eligible social care needs and determine a Personal Budget.  This is the amount of money the Council sets aside to pay for the person's care and support.  A Direct Payment is where the person decides to buy the care and support themselves, rather than have the Council do this for them.

If a person is eligible to have a Direct Payment and would like to arrange their care and support themselves, the Council will give the person enough money to buy the support they need.

Cornwall Council supports Direct Payments to help people in meeting their eligible needs. This helps them have greater independence as well as choice and control over the care received.  

Direct Payment Policy

There was a consultation throughout Autumn 2019 and approval by Cornwall Council's Cabinet to public the new policy. This will be reviewed regularly and published on this site. This sets out Cornwall Council's approach for adults who:

  • have eligible needs
  • want to arrange their care and support with a Direct Payment
  • and management and monitoring / review of the Direct Payments for adults.

 Read the Direct Payment Policy

Direct Payment Agreement

The Direct Payment Agreement sets out the responsibilities of both the council and individual receiving a Direct Payment . The Direct Payment is:

  • clear and easy to follow;
  • provides your reference number (MOSAIC) which you can quote if you need to contact us;
  • sets out both the Council's and your responsibilities;
  • clearly shows the options available to you in line with the Care Act 2014
  • provides useful contact information and websites for further information and resources;
  • confirms requirements such as:
    • reporting expenditure to us on a quarterly basis
    • returning unspent funds
    • changes in the support you receive

This is to ensure the Council carries out due diligence with public funds. It also enables us to manage Adult Social Care budgets. This means they can remain available to all people with eligible social care needs.

Direct Payment Agreement 

Easy Read Agreement

We worked with the CHAMPs (Cornwall Health & Making Partnerships) team and disAbility Cornwall & Isles of Scilly to produce the Easy Read document of the Direct Payment Agreement.   This is written in a way we hope will be easier for everyone to use and understand.  There is a checklist at the back which sets out clearly what you are agreeing to when you sign the document.

Easy Read Direct Payment Agreement

Keeping in contact

Do you have an email address, so we can send you information quickly? 

If you are in receipt of Direct Payments, we would like to send messages and updates which relate to you and your situation as quickly and as easily as possible. 

Do you have an email address where we can reach you?

This could be the email of a trusted person such as a family member or your PA if you don’t have one yourself.

Please send it to us at

Change in current circumstances?

 If your current care needs have increased or you no longer require the same level of support then we encourage you to please get in touch with us. You may require a reassessment of your care needs from a social work professional.

You can also contact the Access team to request a review of your care needs. or 0300 1234 131

If you have a change in the way your care is supported via a Direct Payment , for example you may now wish to employ a personal assistant instead of support from a care agency, please get in touch so we can assist with relevant information and ensure your social care needs are being met by the payment you receive.

Direct Payments Newsletter

 In response to the feedback you have given us, we are launching a regular newsletter update for our Adults Direct Payment (DP) holders.  The first issue sent December 2020 included  information about our plan for supporting our DP holders throughout the winter.  We are planning to publish these updates 3 or 4 times a year. 

If you want to access an electronic version of this or future DP Update documents, these can be found here

Direct payment information for new users 

If your Social Care Assessment shows that you have eligible social care needs, you can decide whether to arrange the care and support yourself or have the support arranged by the Council.  

If you choose to arrange the care and support yourself a personal budget will be provided to help meet those needs.  This is arranged as a Direct payment.  We will give you the personal budget to you to arrange your own care and support.

The Direct payment can be used in a variety of ways, but it must meet your social care needs reflected in your assessment. 

You will have a financial assessment to identify how much you may need to pay towards the cost of your care. The Council will pay the remaining Personal Budget amount.

A Direct Payment will let you arrange and manage you own support. You can choose the people who support you whether this is from a care agency or employing your own staff. Services can be flexible to suit your social care need and you will have more choice and control over the support you receive. You can also arrange for a suitable person to support you with managing the Direct payment. 


Managing your own support for your care at home

You can choose the people who support you whether this is from a care agency or employing your own staff.  We recommend that any care provider chosen is CQC registered.

You can find available care agencies in Cornwall using the Support in Cornwall webpage 

Setting up a direct payment – what happens next?

If you have chosen a direct payment following your social care assessment, the Direct payments team will contact you and arrange the set up of the Direct payment.

The Direct Payment Officer will provide advice if you have chosen to arrange an care agency or employ your own staff. You will need to read and sign the Direct Payment Agreement as well as set up an account for the Direct payment to be paid into. This can be a separate bank or building society account however the Council has a preferred method of payment when providing money to you. This is a card which is preloaded with your monthly direct payment amount.

Using an Allpay card for your Direct PaymentThe direct payment money will then be paid into this account on 4 weekly basis. The Direct payment Officer will arrange an initial review within the first 3 month to check how things are going. An annual review is then arranged, the Council may advise an different review period for you but this will be discussed following your initial meeting. 

Support with your direct payment

You can arrange for a suitable person to support you with manging your direct payment.

Other service providers can also be arranged to support Payroll of the Direct Payment, we refer to these as managed accounts. Existing Direct payments users often use one of the following;

  • Solicitor
  • Accountant
  • disAbility Cornwall

Included in your personal budget is an amount to cover the costs of a managed account.

Information for existing direct payment users

If you have already chosen to arrange your support via a Direct Payment, then below is further information relating to the review of your Direct Payment and information if you are employing a personal assistant.

Payments and reviewing your direct payment expenditure form and bank statements

Every 3 months, we ask you to complete and send us a record of the money you have spent from your Direct Payment If you use a bank account, rather than an Allpay card. You also need to send us your bank statements at the same time.  The form provides details of where to send this information.

 We may agree a longer review period with you if all is running smoothly with your Direct Payment. We may also write to you to request bank statements for a period of up to 12 months (or more) if we have not had contact from you. 

Bank Statements can be sent to

Payment rates and dates

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