Direct paymentsMoray
Direct payments in Moray
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.
10 self-employed carers within about 45 minutes of Moray
What the council pays
Direct payment rates in Moray
The Moray 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 Moray
Direct payments in Moray work under the Social Care (Self-directed Support) (Scotland) Act 2013, where a direct payment is Option 1. 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 The Moray 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 Moray
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: Separate bank account
The Direct Payment is paid every four weeks into a bank account that is used only for Direct Payment money.
How the money is paid: Other arrangement
People who employ a personal assistant choose a payroll provider from the council's approved list, and that provider runs PAYE and pays the personal assistant.
Provider: Approved payroll providers (Accountability, Barrie Bookkeeping, Fife Business Services)
Help with running it
Cornerstone Advisory Service, Moray. They give advice to help people understand the four Self-directed Support options, including taking a Direct Payment, and can be reached by phone or email.
Worth knowing
Every personal assistant must join the PVG scheme before starting work, and the cost of the check is included in the Direct Payment.
Worth knowing
The first financial review of a Direct Payment happens three months after it starts, with reviews usually once a year after that.
Who is available
Self-employed carers in Moray
10 carers are based within about 45 minutes of Moray. You can see their rates and experience, and message them, before committing to anything.
10 private carers are based within about 45 minutes of Moray
Filter by what they charge, who drives, who does nights, and who speaks your language, then message the ones you like. Free, and nothing is booked until you say so.
See private carers for MorayStep 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 Moray
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 The Moray 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 The Moray 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. Carers near you typically charge £19.60 an hour. Divide your weekly budget by that to see the hours it buys, and remember that bank holidays are charged at one and a half times the usual rate.
In Scotland a family member can be paid where the council, the person and the family member all agree, the family member can do the work, and one of the reasons in the regulations applies, such as a limited choice of providers locally, or support being needed at times when nobody else is available. That is the self-directed support 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.
The Moray Council's direct payments team on 01343 563420 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 The Moray 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 Moray
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.