What Is a Pre-Cap & How Does It Outline Care Commitments and Remuneration?

10th December 2025

A Pre-Cap (Pre-Capacity Agreement) is an agreement made while someone still has mental capacity, setting out what support they expect to receive if their cognition later declines. Unlike a standard personal directive or Living Will, which typically focuses only on medical wishes, a Pre-Cap goes further. It can define day-to-day care expectations, personal preferences, and importantly, how a caregiver will be compensated for the time, labour and responsibility involved.

It is essentially a care-plan plus a contractual understanding, created before decision-making ability is affected.

What does a Pre-Cap include that a normal personal directive does not?

A standard personal directive usually expresses broad decisions, such as preferred medical treatment, where someone wishes to live, and who may act on their behalf. These documents protect autonomy, but they are limited.

A Pre-Cap adds structure.

It can include:

• Type and level of care expected (daily visits, meal prep, medication oversight, transport, companionship)
• Clear remuneration terms (hourly rate, expenses, compensation scale as needs increase)
• Caregiver working boundaries (breaks, shared responsibilities, what is not expected)
• Escalation triggers (when care may need to move to professional or residential support)
• Quality-of-life commitments (social activities, continuing hobbies, dignity preferences)

Where standard directives protect the individual, a Pre-Cap protects both the individual and the caregiver.

Why does a Pre-Cap matter for family caregivers?

Caregiving often begins gradually, a bit of shopping, reminders, help with appointments, and escalates into full-time responsibility. Without clarity, caregivers risk:

• Burnout
• Guilt around setting boundaries
• Family disputes over fairness
• Financial pressure if caring replaces paid work

A Pre-Cap acknowledges the value of care in advance. It acts as a roadmap, reducing resentment and conflict by setting fair expectations from the start.

Can a Pre-Cap legally confirm payment for future care?

Yes, when drafted clearly and properly witnessed, a Pre-Cap can formalise remuneration. This is especially useful when one family member provides more support than others. The agreement can:

• Set fixed payment rates or flexible staged increases
• Allow reimbursement for fuel, time, accommodation or lost earnings
• Connect to a Power of Attorney for implementation later

Where a personal directive protects wishes, a Pre-Cap protects relationships and fairness.

Is a Pre-Cap a replacement for a Power of Attorney?

No. A Pre-Cap outlines what care should look like. A Power of Attorney, created using a service like Power of Attorney Online, empowers someone to action those instructions. Used together, they create a more complete future-care plan.