Direct paymentsReading
Direct payments in Reading
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. Reading Borough Council says a direct payment can pay a self-employed carer. Below is what the council publishes about its rates and rules, and what an hour of care costs near you.
91 self-employed carers within about 45 minutes of Reading
An hour of care in Reading
- A self-employed carer near youTypical rate on PrimeCarers, our fee included
- £20.00
- Local home care agenciesMedian of 14 agencies nearby that publish a price
- £29.69
A budget worked out at the agency rate buys more hours from a self-employed carer. What a weekly budget buys each way is set out below.
What the council pays
Direct payment rates in Reading
Reading Borough 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.
Hours for the money
What a weekly budget buys
A direct payment is a sum of money, so the useful comparison is how many hours of care it pays for. Move the slider to your own weekly budget.
Starts at ten hours a week at the agency rate. Move it to match the budget in your support plan.
- A self-employed carer on PrimeCarers14.5 hours
At £20.00 an hour. The typical rate near you, our fee included. The carer invoices for the hours, and that invoice is your record for the council.
- A local home care agency10 hours
At £29.69 an hour. The median published by 14 agencies near you. The agency sends whoever is on its rota.
Hours are rounded down to the half hour. Bank holidays are charged at one and a half times a carer's rate and Christmas Day at twice, so leave room in the budget for them. Reading Borough Council decides what your direct payment can be spent on, and your support plan is the final word.
Choosing your carer
Paying a self-employed carer in Reading
Reading Borough Council allows a direct payment to pay a self-employed carer. You can either be your personal assistant's employer or hire a personal assistant who is self-employed.
“You can be your Personal Assistant’s employer or hire a self-employed Personal Assistant.”
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 Reading
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 council usually sets up a pre-paid account for you to pay for your services, and you add your assessed contribution to the same account.
How the money is paid: Managed account
If you would rather not run the pre-paid account yourself, a company can make the payments to your agency or personal assistant from the account on your behalf.
How the money is paid: Separate bank account
In most cases the direct payment and your own contribution go into a separate bank account set up for the care money, which you then use to pay for support.
Worth knowing
There is no automatic annual uplift of direct payment amounts, so if a Reading Borough Council framework provider tells you its rate has increased you can contact the Direct Payments Monitoring Team, who will consider an increase.
Worth knowing
Hours you do not use can be saved up and taken later, for example to get extra support after a hospital stay.
Worth knowing
The council has a Personal Assistant Team that can help with all personal assistant enquiries, including DBS and Right to Work checks, and can be contacted at [email protected].
Who is available
Self-employed carers in Reading
91 carers are based within about 45 minutes of Reading. You can see their rates and experience, and message them, before committing to anything.
91 private carers are based within about 45 minutes of Reading
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 ReadingIn their words
Families near Reading on the carers they chose
“Barbara treated my mother-in-law with enormous love and compassion and provided an environment where she could feel safe and seen”
Annie G., 2024
About Barbara B.Carer based in Reading“Every time she had a cheerful greeting on arrival and treated me with respect and dignity.”
Alina F., 2024
About Natalia C.Carer based in Bracknell · 3 reviews“She has managed to form a good relationship with our 94 year old mum, who has dementia and is quite anxious, and is one of those rare warm people who will always go the extra mile.”
Claire M., 2024
About Rosalia B.Carer based in Wallingford · 2 reviewsStep 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 Reading
Yes. You can either be your personal assistant's employer or hire a personal assistant who is self-employed. The checks a council asks for are usually the carer's employment status for tax, their insurance and their DBS certificate. Carers on PrimeCarers are self-employed, hold an enhanced DBS and are insured while they work, and they invoice for the hours worked.
We could not find a rate that Reading Borough 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.
Usually it buys more hours. Carers near you typically charge £20.00 an hour against £29.69 for agency care, so a budget worked out at the agency rate buys more hours from a self-employed carer.
In England a direct payment cannot normally pay the person’s husband, wife or partner, or a close relative who lives in the same household, unless the council considers it necessary. That is the 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.
Reading Borough Council's direct payments team at [email protected]. If you do not have a social worker or care assessment yet, start with a needs assessment from adult social care.
Direct payments in nearby council areas
- Direct payments in Wokingham
- Direct payments in West Berkshire
- Direct payments in Bracknell Forest
- Direct payments in Windsor and Maidenhead
- Direct payments in Slough
- Direct payments in Buckinghamshire
If the care needed is mainly about health, the NHS may pay for all of it through Continuing Healthcare, decided by the NHS rather than the council. In Reading that is NHS Thames Valley.
Council details were read from Reading Borough 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. The local agency figure is the median of 14 agencies near Reading that publish a price. Carer rates are what carers near you advertise, read live.
Find a carer in Reading
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.