When it comes to funding long-term care, Deferred Payment Agreements (DPAs) can be a practical solution for many families. These agreements, available through local authorities, allow individuals to defer their care home fees by securing them against their property, usually the family home. While DPAs can be helpful, they come with complexities that families need to understand before making a commitment. Here, Hilary Cragg, Solicitor and Partner at Nash & Co Solicitors, shares expert advice on avoiding common pitfalls with DPAs and provides guidance to help families make informed decisions.

When planning for long-term care, many families face difficult financial decisions. Two of the most common options are Deferred Payment Agreements (DPAs) and private funding, each offering distinct benefits and challenges. Choosing the right approach depends on your family’s financial situation, long-term goals, and comfort with the risks involved.