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Chestnut Financial Services, Financial Advisers
Local Authority Care Advice from Ian Francis, Independent Financial Adviser
Local Authority Care Advice from Ian Francis, Independent Financial Adviser

How Local Authority care help works

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 care needs and financial circumstances (Local Authority care support is means-tested) you may be entitled to Local Authority care contributions towards your care costs.

"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 or NHS Funded Nursing Care system.

We've been there, so we fully understand the challenges you're facing and that's why we do what we do. So we specialise in advising clients about Local Authority care support for funding the cost of care.

Local Authority Care Needs Assessments

The Local Authority Care Needs Assessment is a formal assessment to help the Local Authority identify those people who qualify for their support, 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 Local Authority Care Needs Assessment looks at how you manage everyday activities and whether you need help to carry them out, using 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 a Local Authority Care Needs 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 Local Authority care system if you don't qualify for help from the NHS care system.

What if the Local Authority refuses to do an assessment?

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

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

It's rather like the idea of a horse being seen by a vet (the professional). The vet might say the horse is a bit lame (the professional giving you useful information on the health issues through a Local Authority Care Needs Assessment). So the vet might say the horse needs to go into a horse home for a while. At this stage, the vet has assessed the horse, now everyone knows the problem and solution. So I get irritated when a social worker fails to do their legal duty, making assumptions about finances before doing the Local Authority Care Needs Assessment (how much does a vet know what it will cost to fix the problem without having made the assessment first?).

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

Local Authority Care advice Photo of Ian Francis2
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.

We provide a breakdown of what to expect in the financial assessment process in our article How Local Authority Financial Assessments use capital, property and income when making decisions on how much you pay for care fees

In my experience, the Lincolnshire County Council Adult Social Services financial assessment team are a great team, they will listen to problems and, provided it is within their power, help. But sometimes people have problems filling in the form or gathering the documents, so feel free to contact us and see if we can help.


What can we do for you?

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.
Local Authority Care Advice Photo of Farley the Labrador
A warm welcome from Farley
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 (with or without Farley), on video, or by phone, whichever is most convenient for you.

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What it means to be SOLLA accredited

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.

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;

What Our Clients Have Said Logo
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

Important Information

Please note, that not all care fees advice is regulated by the Financial Conduct Authority

Contact Us:

Call 01522 788887


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.