Direct paymentsCeredigion
Direct payments in Ceredigion
If the council has agreed to pay towards care at home, you can take the money as a direct payment and choose who provides the care. A direct payment can usually pay a self-employed carer, on the council's conditions. Below is what the council publishes about its rates and rules, and what an hour of care costs near you.
Self-employed carers who invoice you for the hours they work
What the council pays
Direct payment rates in Ceredigion
Ceredigion County Council does not publish its direct payment rates anywhere we could find. Your budget is set in your support plan, from the cost of meeting your eligible needs less anything you are assessed to pay yourself. Ask the council which hourly rate it used, because that decides how many hours the budget buys.
Choosing your carer
Paying a self-employed carer in Ceredigion
Direct payments in Ceredigion work under the Social Services and Well-being (Wales) Act 2014. A direct payment can usually pay a self-employed carer your family has chosen, as well as a personal assistant you employ or an agency. We could not find Ceredigion County Council's own wording on self-employed carers, so ask the direct payments team what it wants to see before anyone starts.
Councils tend to ask for the same few things before a direct payment pays a self-employed carer:
- the carer's employment status for tax, which HMRC's Check Employment Status for Tax tool on gov.uk works out in a few minutes
- proof that the carer is insured
- a DBS certificate
- an invoice for the hours worked, which becomes your record of how the money was spent
How direct payments work covers asking for one, what the money can buy and the records councils want back, and self-employed carer or employee? explains the tax question.
The council's arrangements
How direct payments are run in Ceredigion
What the council publishes about paying the money, getting help and getting in touch. Each card links to the page we checked it against.
How the money is paid: Prepaid card
The Direct Payments Support Service will help you understand how to use a pre-payment card.
How the money is paid: Managed account
As a last resort, the council may suspend or end the direct payment and move you to a council-managed service or set up a managed bank account.
Help with running it
Direct Payments Support Service (Ceredigion County Council in-house team). The Direct Payments Support Service provides information, support and practical help with recruiting and employing staff, paying wages and dealing with tax and National Insurance payments.
Where the council points you to find a personal assistant
Ceredigion Direct Payments Support Service personal assistant database
Worth knowing
The council pays for the enhanced DBS check needed by a personal assistant, and the check is processed through Powys County Council's online system.
Worth knowing
Audits of a direct payment account are kept proportionate and are expected to become less frequent as time goes on.
Worth knowing
In some circumstances a direct payment in Ceredigion can be used to employ a family member who lives in the same household.
Step by step
Using a direct payment for a carer you choose
- Get the assessment and the support plan. The council assesses the care needed and works out the budget. Say at this stage that you want a direct payment and would like to choose your own carer.
- Check what the council allows. Ask the direct payments team whether it will pay a self-employed carer and what it needs to see from them.
- Find carers and talk to a few. Search carers near you, compare rates, experience and reviews, and message your shortlist. None of that costs anything.
- Agree the hours and rate in writing. Match them to the support plan, and keep within the budget once bank holidays are allowed for.
- Keep the records. Invoices and statements are what the council looks at when it reviews how the direct payment is being used.
Questions
Questions about direct payments in Ceredigion
Usually, yes. A direct payment can pay a self-employed carer your family has chosen, employ a personal assistant, or buy agency hours. We could not find Ceredigion County Council's own wording on self-employed carers, so ask the direct payments team what checks it wants before anyone starts.
We could not find a rate that Ceredigion County Council publishes. The amount is set in your support plan, worked out from the cost of meeting your eligible needs, less anything the financial assessment says you pay yourself. Ask the council how it calculated the hourly figure, because that decides how many hours the budget buys.
It depends on the rate the council used to work out your budget and the rate the carer charges. Divide the weekly budget by the carer's hourly rate to see how many hours it buys.
In Wales the council can allow a direct payment to pay a relative who lives in the same household where it considers that necessary to promote the person’s well-being. Where it does not, it has to rule the payment out. That is the Welsh direct payments regulations rather than this council's own rule, so ask the direct payments team how it applies it. Can my mum pay me to care for her? covers the other routes.
Only if you employ somebody. Paying a self-employed carer or an agency does not make anyone an employer. Taking on a personal assistant does, which brings payroll, holiday pay, sick pay, pension enrolment and employer's liability insurance. HMRC's Check Employment Status for Tax tool on gov.uk tells you which applies.
Ceredigion County Council's direct payments team on 01545 572289 or at [email protected]. If you do not have a social worker or care assessment yet, start with a needs assessment from adult social care.
Council details were read from Ceredigion County Council's published pages and checked against them on 17 September 2026. Councils change their rates each April, so check the linked page before relying on a figure. Carer rates are what carers near you advertise, read live.
Find a carer in Ceredigion
See self-employed carers near you with their hourly rates, experience and reviews, and talk to the ones you like for free. Check with the council what your direct payment can pay for before you book.