Removal of discretionary buffer implementation
Face to Face Support Clinics
Adult Social Care – financial contribution towards the cost of your care and support services following removal of the discretionary buffer:
Adult Social Care are providing an opportunity for those of you who are impacted and received a letter in June setting out the process to ask generic questions and speak face to face to a financial assessment officer and social worker about your care needs and financial contributions.
These sessions offer:
- An alternative means of engagement to the webpage, email, and phone calls.
- An opportunity for you to ask questions about your individual circumstances.
- Opportunity to explain in more detail if you are not clear what this change is about.
- To have their financial assessment completed and their support plan reviewed.
- Support with providing copies of evidence.
- Will help to ensure forms are completed correctly and reduce your time taken to complete them.
Information Sessions
If you would like to discuss if you are now quite clear what this is, how this will work, the process and have an opportunity to ask generic questions there will be a number of drop-in information sessions led by Financial Assessment Officers and Social Workers on the following dates.
These are for people with an existing service and who had a completed financial assessment at 23 June 2025.
Keighley Market Place: 36 Low St, Keighley BD21 3PT
- Thursday 6 November – Keighley Market Place drop in 10am – 2pm
- Thursday 20 November – Keighley Market Place drop in 10am – 2pm
Windhill Community Centre: Church Street, Windhill, Shipley BD18 2NR
- Thursday 13 November Windhill Community Centre drop in 12:30pm – 14:30pm
Just drop in, you do not need to book.
These are not individual sessions, see the details and dates below if you would like to book an individual session.
Individual 30 Minute Bookable Sessions with a Financial Assessment Officer and Social Worker:
If you would like to book an individual face to face discussion about your personal financial circumstances and/or to assist you in completing the financial forms requested as part of the discretionary buffer removal the following sessions are available:
Britannia House: Britannia House Contact Centre Hall Ings Bradford BD1 1HX
- Wednesday 5 November face to face session at Britannia House Reception Meeting room 10am – 2pm (6 sessions available need to be booked in advance)
- Wednesday 12 November face to face session at Britannia House Reception Meeting room 10am – 2pm (6 sessions available need to be booked in advance)
- Wednesday 19 November face to face session at Britannia House Reception Meeting room 10am – 2pm (6 sessions available need to be booked in advance)
To Book Contact:
Tel: 01274 436464
email [email protected]
Please advise your preferred language which will be accommodated where possible.
The Oaks Resource Centre: Oakworth Road, Keighley, BD21 1QB
- Friday 7 November – face to face session at Oaks Resource Centre 10am – 2pm (6 sessions available need to be booked in advance)
- Friday 21 November – face to face sessions at Oaks Resource Centre 10am – 2pm (6 sessions available need to be booked in advance)
To Book Contact:
Tel: 01274 436464
email [email protected]
Please advise your preferred language which will be accommodated where possible.
Morley Street Resource Centre: 124 Morley Street Bradford BD7 1BB
- Monday 10 November face to face session at Morley Street Resource Centre 10am – 3pm (8 sessions available)
To Book Contact:
Tel: 01274 436464
email [email protected]
Please advise your preferred language which will be accommodated where possible.
This information relates to people in receipt of non-residential care and support which started before 16 June 2025.
Bradford Council undertook a 12-week consultation between February and May 2025 on how it calculates the contribution people make towards the cost of non-residential care and support.
We have been providing more of a subsidy to people who use social care than other councils for many years now but can no longer afford this in the long term. We’re proud we’ve been able to do this for the last 10 years but to become a financially sustainable council we have to now charge in the same way as other councils.
The public consultation lasted for 12 weeks and closed on 5th May and we were contacted by well over a thousand people who returned questionnaires or attended public meetings.
Thank you if you took the time to do this. All of that feedback was used to make a decision on how to proceed.
Previously, Bradford Council’s policy allowed people who use adult social care services at home to keep the basic levels of income support set out by the Government plus 25%. We call this the discretionary buffer.
The proposal in the consultation was to remove the discretionary buffer, meaning the contribution towards the cost of non-residential care and support services would be the same as other West Yorkshire councils and what the Government expects councils to charge.
People made a number of comments about the cost of living with a disability, and we have employed additional staff to make sure everyone’s charge is reassessed to take full account of these costs.
People who are affected also told us that it will be difficult to adjust to a higher charge in one increase. A decision has therefore been made by the Council’s Executive to remove the discretionary buffer but phase that increase to people’s charge over two years.
The phasing will be:
50% of the increase to the new charge from July 2025, but only after we have completed a new financial assessment, welfare benefit check and disability related expenditure review on an individual basis. The full new charge will then begin from July 2026.
This is separate to any changes for benefit increases and changes to the price of your services which increase annually each April.
If the NHS funds part of your care package these changes will only relate to the amount of money that the council pays towards your package of care.
What happens next?
We will contact each person currently in receipt of non-residential care and support services via the contact details we have. This will be by post, telephone and/or email to request financial information so we can complete a new financial assessment. This will be at some point over the next five months.
We will then book a time to arrange a call or visit to undertake the financial assessment, taking into account any new disability related expenditure incurred, and to ensure you are receiving all the welfare benefits from the Government that you or your household are entitled to. We can help you to claim these.
These new assessments will ensure any contribution needed to be made towards the cost of care and support services is based on an individual’s most up to date finances.
The council is required to assess the ability of all our clients to pay for any care and support services they receive. Under those guidelines however, if an individual does not engage in this process, and we do not receive a completed Personal Financial Statement from you when we make contact, we reserve the right to charge the full cost of the service, until we receive that information.
You do not need to do anything now we will contact you over the next 6 months.
Please contact us on 01274 436464 or by email at [email protected] if you have any questions
Further information
What is the Minimum Income Guarantee?
The Minimum Income Guarantee (MIG) is an amount of money set by the Government that any individual must be left with to live on after their care charge is taken.
All councils must follow the MIG as a minimum, in setting their charging policies.
The MIG is intended to cover food, clothes, utility bills, contents insurance and other personal expenses.
It is not intended for housing costs such as mortgage costs, rent, council tax, or buildings insurance. Those costs are addressed directly in the person’s individual financial assessment. It would still be based on the individual’s financial circumstances following a personalised financial assessment.
What about the increases in Council Tax and Safe and Sound?
Council Tax
If you are legally liable for Council Tax, this is always disregarded as ‘Essential Housing Costs’ as part of your financial assessment. This means the increase in council tax in the 2025/26 financial year will be taken into account in your financial assessment and your charge will be reduced.
Bradford Council also offers a range of council tax reductions for people on low income, benefits and where a member of the household has a disability, and adaptations have been made to the property. If a member of your household has a permanent disability, you may qualify for a reduction in council tax if the property has an adaptation which meets the needs of a disability:
- an extra bathroom
- a special room, for example for physiotherapy and/or
- space to allow a wheelchair to be used indoors.
Pensioners on the lowest incomes are entitled to a maximum reduction of 100% of their Council Tax liability via the Council Tax Reduction scheme. There are also a number of discounts and exemptions that are particularly relevant to pensioners:
- Single person discount, 25% reduction in bill for those who are the only adult living in a property.
- Properties adapted for a householder’s disability – Council tax reduced by a band (or 1/6th if property in band A)
- Severely Mentally Impaired, can be 100% reduction or 25% if they live with one other adult.
- Home Annex – if an annex is occupied by a relative a 50% discount can be applied. If the household living in the annex is over 65 or disabled a 100% discount can be granted
- Disability carer – 25% discount applies if caring for someone with a disability who is not a spouse, partner or the carer’s own child.
Full detail and the process to apply for a council tax reduction can be found on the council’s website.
Safe and Sound
If you are in receipt of the Safe and Sound community alarm service from Bradford Council, the cost of that service will be classed as a ‘Disability Related Expenditure’ and is taken account of in the financial assessment process, reducing your charge.
What is Disability Related Expenditure?
Disability Related Expenditure is the extra costs that arise as a result of a person having a disability, requiring them to spend money on goods and services because of an impairment or long-term health condition. You can talk to your Social Worker about this when they come to assess your needs; and they can record it in their assessment.
As part of your financial assessment, we will complete a financial assessment, and you should discuss any Disability Related Expenditure and submit any evidence (such as receipts) you have. If you can demonstrate a higher level of Disability Related Expenditure, it may bring down the amount that you are asked to contribute towards your care.
Bradford Council uses national guidance. There are only certain items we can allow. Disability Related Expenditure can include the following:
- extra washing or special washing powder / conditioner for delicate skin
- community alarms (pendant or wrist)
- special diet
- special clothing or footwear (or extra wear and tear)
- additional bedding
- extra heating costs
- gardening
- household maintenance
- any household cleaning (if not part of your care plan)
- internet access
- any day or night care which is not being arranged by the local authority
- buying and maintaining disability-related equipment
- any transport costs (both for essential visits to the doctor or hospital, but also to keep up social contacts).
- above average gas, electricity, water bills. For example, more heating because of a need to keep the home at above average temperature because your condition requires it.
It does not include
- General daily-living equipment or services not specifically used for a disability or health condition.
- A good or service that can be met by a grant or funder.
- A good or service that can be sourced more cheaply via social care or the NHS.
Community organisations who can advise and help you
Factsheet
Buffer removal implementation factsheet