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Deprivation of capital

What counts as deprivation?

The Charging for Residential Accommodation Guidance (PDF, 985KB) for local authorities, also known as CRAG, gives examples of deprivation:

  • a lump-sum payment has been made to someone else  for example, as a gift or to repay a debt
  • substantial expenditure has been incurred – for example, on an expensive holiday
  • the title deeds of a property have been transferred to someone else
  • money has been put into a trust which can’t be revoked
  • money has been converted into another form which would fall to be disregarded  for example, personal possessions
  • capital has been reduced by living extravagantly  for example, gambling or following a much higher standard of living than the resident could normally afford
  • capital has been used to purchase an investment bond with life insurance

The information was last updated on: 17th April 2023

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