You may be entitled to a payment deferral agreement if: The deferred payment is constituted as a debt that will be paid when the money committed to your home is released. You can also pay off the debt from another source if you wish. Your local authority may (but not) charge interest on deferred payments to cover costs. Payments can only be deferred for costs charged by the care and support provider for the services provided. If the person lives in a care home, this is likely related to accommodation costs, but if the person lives in a supported life and pays rent to a landlord (who may or may not be the caregiver), those rents cannot be deferred. In Scotland, there are no interest charges while you have the payment deferral agreement. .