Local Authority Care

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Chestnut Financial Services

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How Local Authority Care Needs Assessments Work

We are fantastic fans of the great work the Lincolnshire County Council Adult Social Services team do, but, we also know that the care system is a complex maze of red tape, so getting answers to the many questions that arise can be difficult, frustrating, and stressful.

Depending on your financial circumstances (Local Authority care support is means-tested) and your needs (you need to have key needs to be eligible) you may be entitled to funding from your Local Authority.

“Social care” is care provided to an individual that supports the tasks and activities of daily life, for example, washing and dressing, feeding, and toileting (referred to as personal care) - this differs from “nursing care” which is primarily medical and falls under the NHS Continuing Healthcare system.

We’ve been there, so we fully understand the challenges you’re facing and that’s why we do what we do.

So, contact us today:

📞  01522 788887 or

📧 ian@chestnutfs.co.uk

The Big News On Social Care Reform – But What Does It Mean?

In September 2021 the Government trumpeted a new policy on reform for health and social care - more precisely reforming how we are expected to pay for our own care - and the changes to Government funding in the meantime. What does the news mean for everyday people needing good quality advice? Read our article on the news.

In November 2021 the Government provided more clarity about just what does form part of "the cap on paying for social care"... and what doesn't. Yet again we learn how much more we will be paying for our social care. Read our article on the news.
So, contact us today:

📞  01522 788887 or

📧 ian@chestnutfs.co.uk

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Care Needs Assessments

The Local Authority conducts a "Care Needs Assessment", including supporting people to maintain independence in daily life, social interaction, and protection from vulnerable situations (each Local Authority follows national criteria set under the Care Act 2014).

A care needs assessment looks at how you manage everyday activities and whether you need help to carry them out.

The Local Authority uses national eligibility criteria to decide whether you qualify for support, to show that your difficulties have a big impact on your life and wellbeing.

Each assessment should result in a written care plan setting out the support needed if they have eligible care needs.

But things do go wrong - getting an assessment can be difficult and qualifying for support can be a real struggle. Our role is to help advise you to get the most from the care system.

So, contact us today:

📞  01522 788887 or

📧 ian@chestnutfs.co.uk

What If The Local Authority Refuses To Do An Assessment?

I have been told by many clients that the Local Authority refused to conduct Care Needs Assessments on the basis that they would obviously be self-funders.

However, there is no such thing as a financial means test before conducting the Care Needs Assessments - they are your legal right to request one - after all, how can any care provider understand what care needs somebody has otherwise?

If the Local Authority refuses to conduct such a Care Needs Assessment, we would welcome a call to discuss your options.

Financial Assessments

Once the care plan has been written, but before the Local Authority will agree to fund any care, they will conduct a financial assessment (there are circumstances in which they will pay for care up until the assessment has been completed).

The effect of the financial assessment will determine what, if any, contribution either they or you will pay towards the costs of care.

How Local Authority Financial Assessments use capital, property and income when making decisions on how much you pay for care fees

What Our Clients Have Said

"When my health began to deteriorate, didn't want to accept it. I knew I was losing my independence, having been a mother and a wife. I didn't know where to get help to make choices about my future care. But then I was referred to Ian. He was such a lifeline to me, helping me understand the fees involved. Ian helped get support from the council, guiding me through the financial process. He's helped change my finances so that they will last as long as possible, giving me such great peace of mind. I feel so much better, and I owe so much to Ian's caring service."

Lynette, Lincoln

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What Can We Do For You?

Our role is to give you clear and simple advice.

A lot of people miss out on extra money they could be getting each week.

We have been advising clients on care solutions for several years now.

We can;

  • give you advice (and reassurance) that the care maze is working for you, guiding you through getting and understanding Local Authority care needs and financial assessments,
  • answer your questions such as whether the Local Authority have correctly assessed the financial contribution that needs to be made to the cost of care,
  • help you plan and pay for self-funding care fees, and
  • understand and plan what you can - and can't - do when looking after money and property.

We also find that attorneys require additional support when making financial decisions about someone else’s finances – usually a relative or close friend - whether under a Lasting Power of Attorney or a Deputyship from the Court of Protection.

So, contact us today:

📞  01522 788887 or

📧 ian@chestnutfs.co.uk

What It Means To Be SOLLA Accredited

We have been advising clients on long term care solutions for several years now, backed up not just by professional qualifications but also by the membership of various professional bodies, most notably the Society of Later Life Advisers (SOLLA) and the Personal Finance Society, so we specialise professionally in care fees all the time.

We are proud that Ian Francis is an Accredited adviser with SOLLA. Clients requiring financial planning in their later life benefit from advice that is clear and concise. Such advice comes from an adviser that is suitably qualified and experienced to advise them and manage their financial planning.

What's On Your Mind? Let's Talk...

We offer a free, no-obligation, initial telephone consultation for new clients to answer some initial questions and help you with some first steps.

After that, we will then ask if you would like to set aside more time at a good time of day for you, when we can meet in person, on video, or by phone, whichever is most convenient for you.

If you would like to use our services after our initial telephone call then we charge an hourly fee of £150, including travel time. We can also agree on a fixed fee depending on what you need.

So, contact us today:

📞  01522 788887 or

📧 ian@chestnutfs.co.uk

Important Information

Please note not all care fee advice is regulated by the Financial Conduct Authority.

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Contact Us:

📞  01522 788887

📧 ian@chestnutfs.co.uk

Chestnut Financial Services Limited

2a Sadler Court

Lincoln

LN6 3RG

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The guidance and/or advice contained within this website is subject to the UK regulatory regime. It is therefore targeted at consumers based in the UK. Chestnut Financial Services Limited. Registered in England no 9918363, 2a Sadler Court, Lincoln, LN6 3RG. Authorised and regulated by the Financial Conduct Authority.