Assisting_People_With_Money__Abuse__-__Feb_2011

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					            Caerphilly County Borough Council


                  Directorate Of Social Services




   GUIDANCE FOR ASSISTING PEOPLE WITH
   THE MANAGEMENT OF THEIR MONEY AND
    THE PREVENTION OF FINANCIAL ABUSE




  Guidance For Social Services Staff Employed
    By Caerphilly County Borough Council.



                              Viv Daye, Service Manager, Commissioning

    Andrea Giordano, Service Manager, Protection Of Vulnerable
                                                        Adults

Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY   1
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
Revised February 2011




Introduction

There are circumstances where individual adults living in Caerphilly County Borough
and receiving social care support are unable to manage their finances as they lack
the mental capacity to do so (e.g. due to learning disabilities, dementia etc). In some
cases family, friends, and solicitors with appropriate legal authority will carry out this
task. However, where no suitable arrangements can be made Caerphilly CBC will
take on this responsibility.

Alternatively some people may have the capacity to manage their money but still be
experiencing difficulties e.g. having literacy problems, language or cognitive
impairment or sensory impairments and / or vulnerable to the threat of financial
abuse.

Purpose Of The Document

This document has been developed to assist social services staff who identify and /
or work with people who need assistance in relation to their financial affairs. This
document is intended to cover both persons who have been assessed as having
mental capacity to manage their financial affairs and those deemed not to have
mental capacity. It applies equally to people living in their own homes and those
people cared for in registered care settings.

The document sets out the role of various staff and the type of support that may be
required by service users and the various avenues open to them and the local
authority to assist in this area. The procedures and processes set out in this
document will, where appropriate, allow service users to make arrangements for
someone close to them to assist them in this area, clearly lay out the role and
responsibilities of social services staff and may assist in the prevention of financial
abuse or further financial abuse.

Scope Of The Guidance

This guidance is intended for staff who assess, monitor, review, provide and / or
commission care in relation to people who are supported by Caerphilly County
Borough Council. This includes Assessment and Care Managers, reviewing staff
Occupational Therapy staff, Contract Monitoring staff, and staff within internal
provider services. This guidance can be shared with external or independent care
providers.

Paid workers who handle money on behalf of vulnerable adults and follow good
practice guidance should be protected through the transparency and openness of the
authority’s financial procedures. To this end the Financial Services section within
Social Services have developed a range of guidelines to protect service users and
staff. These guidelines can be found on the authority’s Intranet site (Resourcing &
Performance / Policies). Financial Services staff can arrange for hard copies to be
Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY             2
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
provided to staff who do not have IT access and are happy to give advice / guidance
and training, as required.

However, Iit is anticipated that the guidance will raise awareness and guide staff
practice to fully understand the service user situation in relation to their financial
affairs. Thus highlighting issues / difficulties at the earliest opportunity to ensure
systems are put in place to provide assistance and prevent financial abuse. It should
be noted that this document makes reference to the Protection of Vulnerable Adult
procedures that should be used where financial abuse has been highlighted and
provides a checklist that is used by the POVA Team in relation to identification or
monitoring of financial matters at appendix 4.


Mental Capacity

A Service User’s capacity to manage their own money is the fundamental principal
that determines the level of intervention that is required from social services staff.
Under the provisions of the Mental Capacity Act 2005 there is a presumption that the
Service User has the mental capacity to manage their financial affairs. Where it is
identified that there may be difficulties in relation to a service user’s ability to manage
their financial affairs, then a mental capacity assessment must be undertaken to
determine the extent of the service users capacity in this area. Any support provided
by staff must be in the service users best interest.

Promoting Independence

The type and level of assistance provided should be proportionate to the needs and
capabilities of the service user in order to continue to promote independence and
management of their own money.

Caerphilly County Borough Council will wherever possible encourage, and support
an adult to manage their own financial affairs.

Indicators Of Potential Difficulty

There are a range of triggers that may indicate that a service user is having difficulty
in managing their own money or may be at risk of financial abuse. These include,

Pension, benefits, income or savings cashed but the person has no money
Signature on cheques or withdrawal slips does not resemble that of the person
Unexplained withdrawal of money from bank and savings account
Unpaid bills, care fees, mortgage or rent payments when someone else has taken
  responsibility for this

Not receiving personal allowance where accommodated within a care setting
Lack of personal possessions that are affordable to the person
 Expenditure on items that the service user does not want or enjoy.
 Missing personal possessions and valuables.
 Unusual interest taken by another person in the financial affairs of the service
  user.
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Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
   Unusual concern that excessive amounts are being spent on the care of the
    vulnerable adult.
   Poor financial recording and monitoring in a care setting.



Policy

Caerphilly County Borough Council will only manage an adult’s financial affairs,
where the service user lacks the mental capacity to do so themselves and there is no
other suitable person to do so and /or where there is evidence of conflicting interests
suspicions or accusations of financial abuse. Where Caerphilly CBC takes on
responsibility to manage an adult’s financial affairs, the Council will act responsibly
and in the best interests of the service user.

Eligibility Criteria

The Client Finances & Property Team within Social Services manage the affairs of
vulnerable people who lack the mental capacity to do so themselves. This is
arranged through appointeeship arrangements and via court orders from the Court Of
Protection. To assist staff determine which service users are eligible for support the
team has developed an eligibility criteria. This is attached as Appendix One of this
report.

Opportunities For Identification Of Difficulties / Possible Financial Abuse

Social Services staff have a range of opportunities to identify whether a service user
requires assistance in the management of their financial affairs. It is crucial that staff
take all opportunities to act proactively and proportionately to assist service users in
managing their own money safely. CCBC staff should explore with the service user
the possible options that do not reduce their independence but will increase their
financial security. Caerphilly County Borough Council has developed a leaflet to that
staff can give service users to assist discussions and decision making entitled ‘Your
Money Your Choice’.

Whilst we would not wish to alarm service users or their family the rationale for sound
financial management and planning should be discussed. Advice should be given to
the service user as to how to seek further assistance or make a referral in relation to
the Protection of Vulnerable Adult (POVA) process should financial abuse be
disclosed.

Service users may need to be informed that some options to assist them may have a
cost implication e.g. using a solicitor may be prohibitive where there are small
amounts of money/assets. Opportunities to identify whether assistance is required
include:

1) Assessment

The ability of a service user to make financial decisions should be discussed at the
assessment, care planning and review stages and recorded in the care plan and
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Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
service plan. Matters such as physical access to monies / assets may also need to
be considered.

The assessment should establish the needs of a vulnerable service user living in the
community or in a registered care setting. This should include their mental capacity
to make financial decisions at the time of assessment, together with any factors
potentially or actually affecting decision-making. The assessor/worker should
establish if the person:

   Is fully independent in the management of their financial affairs; or
   Whilst independent, may require assistance because,
    a) They are experiencing difficulty
    b) They are vulnerable to or are actually experiencing financial abuse.
   Is having assistance from a family friend in relation to their financial affairs.
   Has a legal deputy or power of attorney managing their financial affairs.

Where arrangements are already in place staff should ensure that they are sufficient
to safeguard the vulnerable service user. Care managers should examine the
adequacy of the financial arrangements during all care assessments and reviews
with the service user and the care provider. Agreed changes should be incorporated
into the care plan, service delivery plan and the Service User Financial Plan.

Adult Services Duty and Information Team (ASDIT)

Whilst not specifically asking questions about financial management during the
screening process, duty staff will need to be alert to information given regarding
finances which will be recorded and may assist practitioners during subsequent
contacts or activities.

Where a UAP assessment is undertaken, information around the service users
financial affairs and any issues or difficulties should be recorded in the Activities for
Daily Living domain.

Financial Assessment

Income Maximisation staff visit service users who are about to go into residential /
nursing care or to receive domiciliary or day care services in order to collect financial
information that enables a financial assessment to be completed to determine an
appropriate contribution for their services. Income Maximisation staff must ensure
they collect and record accurate information on whether a service user manages their
own financial affairs or if someone else does this on their behalf. If it is undertaken by
a third party then the type of arrangement in place e.g. appointeeship, power of
attorney etc must be recorded and the arrangement must be evidenced and copies
retained on file.

Should Income Maximisation staff identify a service user who has no formal
arrangements in place and is experiencing financial difficulty or financial abuse then
the situation should be referred to ASDIT.



Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY                     5
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
There is also a role for staff from the Financial Assessment Team in relation to
identifying and highlighting a service user experiencing difficulties in terms of their
finances or who may be suffering financial abuse.

Financial Services have developed a Good Practice Guide to aide their staff in
recognising financial abuse and the appropriate actions to take.

Occupational Therapy Assessment

Whilst not specifically asking questions about financial management OT staff must be
mindful of any risk indicators / triggers of financial difficulty or financial abuse. Any
issues of concern must be passed to ASDIT.


Planned Review

The planned reviews undertaken by Review Team staff should also determine any
changes in a service users ability to manage their money, financial difficulties
experienced by the service user and / or risks of or actual financial abuse. Any issues
identified must be recorded on the review form. Where the review relates to a service
user residing in a residential or nursing home then the relevant information should be
recorded on the Residential / Nursing Home Monitoring Form (see Appendix Two)
Any concerns identified about the systems used by care providers to manage service
users monies should be recorded in order that contract monitoring staff can explore
more fully.

Contract monitoring including Supporting People

Whilst not specifically asking questions about financial management contract
monitoring staff must be mindful of any risk indicators / triggers of financial difficulty
or financial abuse. Any issues of concern must be passed to ASDIT. Contract
monitoring staff receive the care review feedback form provided by assessment care
management staff following a review meeting. This provides an additional opportunity
for early intervention where concerns have been highlighted in provider financial
systems.

Supervision

Managers should take the opportunity with social services staff to ensure that the
service users financial arrangements have been considered as part of their ordinary
practice. The issues to be highlighted should include any changes in a service users
ability to manage their money, financial difficulties experienced by the service user
and / or risks of financial abuse.

Provider Staff

Provider staff have an excellent opportunity to work more closely with services users
and their members / representatives. They may notice a deterioration in relation to
their mental or physical capacity to manage their finances or triggers of financial
abuse either through day to day work or the formal review process. Provider staff
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Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
have a duty to inform ASDIT of any changes in order that a reassessment or POVA
referral can be undertaken.

Recording – why record financial information?

The accurate recording of information regarding a service users physical and mental
capacity in relation to their financial affairs provides a baseline against which any
future deterioration or difficulties can be measured. The recording of a service users
wishes for the future along with any power of attorney already in place is essential.
Financial information must be updated on SWIFT and internal Provider record
systems updated following each assessment, review and contact.

The completion of a ‘Service User Financial Plan’ will aide staff to ensure that such           Formatted
required information is captured and updated to reflect any changes. The Financial              Formatted
Plan will include such details as the service users capacity to manage their finances,          Formatted
who is responsible for managing their money, regular income/expenditure, their                  Formatted
involvement and that of others in decision making, what assistance they requires in             Formatted
relation to specific financial activities etc (Appendix 3).
                                                                                                Formatted
                                                                                                Formatted
                                                                                                Formatted
Risk assessment.
                                                                                                Formatted

Where it is determined that a service user requires assistance from CCBC staff in               Formatted
relation to their financial affairs the level and type of support required (including its
limits) should be clearly identified. This should be recorded in the local authority’s
care plan, the providers service plan and any additional support or financial plans.

Staff should only be expected to shop for the kind of goods, level of spending and
carry out transactions that are agreed with the service user and set out in the service
delivery plan / financial plan.

Where it is felt that a member of staff should act as an appointee on behalf of a
service user then this should not take place until a formal risk assessment is
completed.

Assessment Care Management and Provider Case File Audits

The case file audit is an effective way to review the level of information sought from
service users and how well this is recorded.


Role Of Local Authority Staff In Assisting Service Users
With their Financial Affairs

A ) Persons Deemed To Have Mental Capacity To Manage Their
Financial affairs
Where it is deemed that a service user has the mental capacity to manage their own
financial affairs it does not necessarily mean that they will not need some support or
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Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
will not be vulnerable to financial abuse. Some service users may be able to deal
with specific aspects of their financial affairs e.g. their day to day income but need
assistance with other aspects e.g. large savings balances.

Some people may be experiencing particular difficulties and need support in
managing their money. These difficulties could include, literacy problems
language or cognitive impairment, physical disability or sensory impairments.

Where a person has mental capacity to manage their finances but having difficulty
and needs support and / or is vulnerable to financial abuse then there are a range of
options open to them. Staff must be aware of these options in order to be able to
advise service users appropriately. These are,


             Available Options                                     Deals With


A Nominated Person                                People with capacity may wish to               Formatted
                                                  nominate a trusted individual to
                                                  collect/cash their benefits on their behalf.
                                                  Such arrangements should be clearly
                                                  agreed between both parties to ensure
                                                  that the service users wishes are known,
                                                  e.g. does the ‘nominated person’ is only
                                                  given authority to collect the money and
                                                  not to spend it, etc.

Ordinary Power Of Attorney                        A form of deed whereby people with             Formatted
                                                  capacity can appoint one or more people
Ordinary Power Of Attorney can be taken           (called attorney(s)), either temporary or
out via local solicitors or the forms             long term, to act on their behalf in
obtained from legal stationers.                   financial matters
                                                  The powers of the attorney can be
                                                  general or limited and a person can have
                                                  more than one attorney dealing with
                                                  different financial issues
                                                  An ordinary power of attorney
                                                  becomes invalid once capacity is lost.

                                                  It should be noted that CCBC staff
                                                  should never act as an Ordinary
                                                  Power Of Attorney for a Service User.

Lasting Power Of Attorney                         An LPA is a legal document that enables
                                                  a person with capacity to appoint              Formatted
Lasting Power Of Attorney can be taken            attorney(s) to make decisions on finance
out via local solicitors or the forms             & property and/or health & welfare.
obtained from legal stationers.                   An LPA has no legal standing until it is
                                                  registered with the Office of the Public
                                                  Guardian
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Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
                                                  There is a charge for registering LPA’s.
                                                  LPA replaced Enduring Power Of
                                                  Attorney (EPA) on 1st October 2007 but
                                                  existing EPA’s can still be registered &
                                                  used.

                                                  It should be noted that CCBC staff
                                                  should never act as a Lasting Power
                                                  Of Attorney for a Service User.

Joint Signatory On Ordinary Account               People with a physical disability who
                                                  have difficulty in accessing banks can
Can be arranged at the local branch of            chose to add a second signatory of a
any Bank or via the Banks disability              trusted friend / relative to a bank account
officer (see below).                              to enable easier access.

                                                  It should be noted that CCBC staff
                                                  should never act as a joint signatory
                                                  on a service users Bank Account,
                                                  where that service user has capacity
                                                  to manage their own financial affairs

Disability Officer Within Banks                   All High Street banks employ disability
                                                  officers who can advise service users on
                                                  appropriate banking arrangements and
                                                  will arrange home visits if required.

Voluntary Organisations                           Within the County Borough there are a
                                                  number of voluntary organisations who
                                                  can assist people with financial issues.
                                                  These include Citizens Advice Bureau, &
                                                  the Friendly Trust.


Unwise Or Eccentric Decisions

In relation to those service users who are regarded as having the mental capacity to
manage some or all of their financial affairs, the role of CCBC staff is to advise them
to contact other organisations / agencies who can assist them with financial
difficulties and or issues.

In must be borne in mind, however, that not everyone will take this advice and some
service users may choose to do things with their money that contradict staff advice
or, in the eyes of staff, make them vulnerable to abuse.

One of the five principles of the Mental Capacity Act is that “A person is not to be
treated as unable to make a decision merely because he makes an unwise decision”.
In such circumstances staff should ensure they record the advice given to the service
user but ultimately must respect the service users decision.

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Reviewer: Service Manager POVA
Date of next review: March 2012
B) Persons Deemed To Lack Mental Capacity To Manage Their
Financial affairs
The initial view as to whether a person has the capacity to manage their financial
affairs can be given by CCBC staff or any other professional involved. Where a
service user has been formally assessed as lacking the mental capacity to manage
their financial affairs then there are two avenues of assistance available,


   Available Options                                 Deals With
i) Appointeeship                An appointee has responsibility for,

                                i)      Ensuring correct benefits and allowances are
                                        claimed for the service user;
                                ii)     Completing the necessary claims for all benefits;
                                iii)    Ensuring all benefits and allowances are used for
                                        the welfare of the service user;
                                iv)     Informing the Department of Work and Pensions
                                        about any changes in circumstances; including
                                        savings limits
                                v)      Repaying any overpayments;
                                vi)     Payment of all bills; and
                                vii)    Acting in the best interest of the service user.

                                An appointee does not have the authority to deal with the
                                capital of a service user or other income or savings
                                belonging to them. Other options should be considered
                                for a service user who lacks capacity and holds savings,
                                investments or property e.g. deputy under Court of
                                Protection.
                                Should there be concerns about the capacity or integrity
                                of an existing Appointee then the Department of work
                                and Pensions should be contacted who will look into the
                                situation and, if necessary, discharge the current
                                appointee and identify a suitable service user to take
                                over the task.

                                Where a person is accommodated in residential / nursing
                                care then CCBC can act as appointee as a last resort,
                                where there is no suitable individual to do so.

ii) Deputyship                  Where a service user has capital assets e.g. savings,
    Application to the          shares, property that require management then an
    Court Of Protection         appointeeship arrangement is not adequate. The most
                                appropriate action in this instance is for a Deputyship
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Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
                                order to be applied for via the Court Of Protection.

                                It should be noted that in order for a Deputyship
                                application to proceed, then a declaration of incapacity
                                must be made by a consultant psychiatrist. An
                                assessment of incapacity by a care manager or any
                                other CCBC employee is not adequate.

                                The Deputy can be a relative, friend, neighbour or
                                Solicitor. Most local Solicitors will undertake this work or
                                advise service users who wish to pursue an application.

                                Where a Deputy of the Court Of Protection is appointed
                                they have a duty to

                                   Act in the best interest of service user
                                   Look after service users property (repairs/insurance)
                                   Open bank account(s)/ pay bills
                                   Claim all benefits due to service user
                                   Keep accurate financial records/receipts
                                   Prepare annual accounts for Office of the Public
                                    Guardian.

                                As previously stated Caerphilly County Borough Council
                                will only act as Deputy as a last resort and every effort
                                must be made to find a family member or friend who is
                                able to assist. It should be noted that where a family
                                member is an appropriate individual to assist but refuses
                                to do so, then the authority WILL NOT undertake this
                                role. It will be for the family member to identify an
                                appropriate individual to undertake this task.

                                In the event of no appropriate individual being identified
                                to act as Deputy then the Assistant Director Of Adult
                                Services will apply to be the named Deputy. Under no
                                circumstances should any other Caerphilly County
                                Borough Council employee apply to become a
                                Deputy on behalf of a service user.




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Reviewer: Service Manager POVA
Date of next review: March 2012
                                     APPENDIX ONE

            ELIGIBILITY CRITERIA – CLIENT FINANCES TEAM
To be eligible for support from the Client Finance and Property Team services users
will be,

       -   Adults who are known to Social Services Directorate
       -   Deemed (by written medical opinion) as being ‘mentally incapable’ of
           managing their financial affairs and property
       -   Have no one else (relative, friend, solicitor, etc) willing, able or suitable to
           act as their Appointee or Court Deputy

In assessing the degree of vulnerability/risk of financial abuse and the need for direct
support by the Client Finances and Property Team, the following factors will be used
to assess the priority of each person in need of support:




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FACTORS TO BE CONSIDERED                                       WHAT WOULD
                                                               CONSTITUTE A HIGH
                                                               PRIORITY?

   - Has a POVA strategy meeting been held &                   Yes
     is there evidence of financial abuse?

   - Does the person live with/depend on family or             Yes
     friends who are suspected of financially
     abusing them?

   - How much income/capital assets does the                   The higher the amount the
     person have?                                              higher the risk

   - Is the person receiving a support package?                No

   - Is the person at risk due to debt issues?                 Yes

   - Is the income/capital secure?                             No

   - Does the person possess some degree of                    The lesser the degree of
     ability to manage small amounts of cash/pay               ability the higher the priority
     bills etc?

   - Do they own a property?                                   Yes

   - Are there particular hazards in the home, which Yes
     require immediate remedial action to make
     safe?

   - If the person is living in a residential or nursing       Yes
     home, do they have any capital assets?



                                     APPENDIX TWO

                     Feedback Form to Contract Monitoring Team


Question:

1. Is the home’s service plan outcome focused and personalised to the individual
   service user?

     Yes                  Mostly            Partially          No               N/A


Comments.…………………………………………………………………………….

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Date of next review: March 2012
…………………………………………………………………………………………..

…………………………………………………………………………………………..

2. Is there evidence that monthly reviews take into account any changes that have
   occurred in the previous month, and has the service plan been updated?

     Yes                  Mostly            Partially          No         N/A

Comments.…………………………………………………………………………….

…………………………………………………………………………………………..

…………………………………………………………………………………………..

3. Is there evidence on file of service user involvement in their service planning?

     Yes                  Mostly            Partially          No         N/A

Comments.…………………………………………………………………………….

…………………………………………………………………………………………..

…………………………………………………………………………………………..

4. Is there evidence on the file of relative/representative involvement in service
   planning?

     Yes                  Mostly            Partially          No         N/A


Comments……………………………………………………………………………..

…………………………………………………………………………………………..

…………………………………………………………………………………………..

5. Did you find the staff knowledgeable on your visit?

     Yes                  Mostly            Partially          No         N/A


Comments……………………………………………………………………………..

…………………………………………………………………………………………..

…………………………………………………………………………………………..

6. Was there evidence, both on file and during your visit, of individualised activities
   happening that take into account the preferences and abilities of service users?
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Reviewer: Service Manager POVA
Date of next review: March 2012
     Yes                  Mostly            Partially          No               N/A


Comments……………………………………………………………………………..

…………………………………………………………………………………………..

…………………………………………………………………………………………..

7. Was there any evidence that the resident had been consulted about what they
   like to eat and had this choice been catered for?

     Yes                  Mostly            Partially          No               N/A


Comments……………………………………………………………………………..

…………………………………………………………………………………………..

…………………………………………………………………………………………..

8. Through observations, were staff interacting with the service users?

     Yes                  Mostly            Partially          No               N/A


Comments……………………………………………………………………………..

…………………………………………………………………………………………..

…………………………………………………………………………………………..

9. Have you been asked by the home to contribute (in any way) to their own quality
   assurance process?

     Yes                        Partially               No                N/A


Comments……………………………………………………………………………..

…………………………………………………………………………………………..

…………………………………………………………………………………………..

10. If applicable, have any requirements/recommendations that were previously made
    been actioned by the home?

     Yes                  Mostly            Partially          No               N/A


Comments……………………………………………………………………………..
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…………………………………………………………………………………………..

…………………………………………………………………………………………..




                                   APPENDIX THREE

Good Practice Points When Dealing With Service User
Finances
The Financial Services Section of the Directorate Of Social Services has an
extensive range of financial guidelines and procedures to assist staff when dealing
with / managing service users monies. These good practice points are presented in
brief below, the full guidance can be read on the Intranet – Resources &
Performance/Policies, or hard copies obtained from Financial Services

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Date of next review: March 2012
The aim of the good practice points is to protect service users from financial abuse,
helping staff to demonstrate they assist service users to manage their money in an
agreed and appropriate manner.

   All monies held on behalf of a service user must be kept separate (e.g. separate
    purses/tins)
   Cash must be kept secure (a safe or lockable cabinet with restricted access)
   Cash held on behalf of service user’s must be kept at a minimum (equivalent of 2
    weeks personal allowance)
   Do not lend money /borrow money from or to service user’s
   Ensure records are maintained to record all cash held and expenditure incurred
   Records must be monitored and reconciled on a regular basis
   Ensure all transactions are recorded as they happen
   Do not record transactions made by other staff members (i.e. transactions you
    cannot verify are correct/have not seen)
   All transactions recorded must be supported by 2 signatures (one being the
    service user if capable, if not 2 staff)
   Obtain receipts for all purchases made
   Purchases made must be appropriate and in line with service user’s wishes and
    or needs
   Bank / savings accounts should be in the name of the service user.
   Surplus cash must be deposited into service users own account or given to a
    legal financial representative (e.g. Deputy, Lasting Power of Attorney, Appointee
    etc) on a regular basis
   Service users money/property must not be handed to a third party unless they
    have provided documentary evidence they are the legal financial representative
   Only those service user’s with capacity are able to state who they wish to look
    after their money without the need of a legal financial representative
   Staff must not act as appointee or a legal financial representative of any service
    user unless prior agreement has been given by the Authority to do so.
   Staff should not assist service users to write wills, or be a witness or executor to a
    will or any other legal document.
   Staff should not make personal use of the service user’s property, for example
    using their telephone for personal calls.

   Staff should not involve the service user in gambling syndicates (for example,
    national lottery, football pools)
Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY                17
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
   Staff will not request sponsorship or support for a charity from the service user




Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY                 18
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
                                       APPENDIX FOUR

                              Directorate of Social Services

                                Service User Financial Plan


Service User: ……………………………………………                                 SWIFT No.: ……………….....

Address: ………………………………………………………………………..……………..

Category of Accommodation: …………………………………………..…………………

Capacity to manage financial affairs
Please state service users ability to manage financial activities. If a capacity
assessment has been carried out, please state date and outcomes




Is the service user at risk of financial abuse           Yes               No

If yes, please state risk and what action has/will be taken to minimise such risks.
Please state outcomes of POVA meetings where relevant




Is assistance needed with the following tasks                        If yes, state who will
                                                                     assist with tasks
Payment of bills                         Yes               No
Withdrawing cash                         Yes               No
Keeping money secure                     Yes               No
Shopping for clothes                     Yes               No
Shopping for food                        Yes               No
Shopping for toiletries / personal items Yes               No
Spending weekly personal allowance       Yes               No
Other (specify)                          Yes               No
Other (specify)                          Yes               No
Arrangements for Management of Money

 Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY                      19
 Issue no: 2
 Date of issue: February 2011
 Reviewer: Service Manager POVA
 Date of next review: March 2012
Please state who will be responsible for the following
Appointee for benefits
Dealing with daily purchases
Savings (Deposit) Accounts
Current Accounts
Trust Funds
Other
Does the service user have a representative(s) appointed to                  Yes         No
manage their finances

If yes, please state who and relationship to client


Does the representative(s) act in the capacity of -
Deputy
Enduring Power of Attorney
Lasting Power of Attorney
Appointee
Other (please state)
(Please provide documentary evidence of such representation)

Is the representative(s) involved in any decision making/                    Yes         No
financial planning

If no, who is involved in any decision making/financial planning


Bank Accounts

Does the service user have a current account                    Yes       Balance/date    No


Does the service user have a savings account                    Yes       Balance/date    No


If no, is an account required and who will assist the service user to open an
account




Who is/will be the signatory on the accounts and how is/will money be
deposited and withdrawn




Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY                        20
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
Regular Income Received

Income Details                              Amount £                      Frequency




                             Total £
Please state how income is received (e.g. direct to bank account)




Regular Expenditure Incurred

Expenditure Details                         Amount £                      Frequency




                                   Total £




Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY               21
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
Please state how expenditure/bills are paid (e.g. direct debit)




Activities

Please give details of agreed daily or social activities that incur expenditure and
if possible state estimated costs




Other Expenditure

Please give details of other expenditure that is planned to be incurred during
the year, if possible state estimated costs




Financial Planning




Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY               22
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
Please give details of any financial planning in place / required for the
forthcoming years




Service User Involvement

What are the service users wishes on how they would like to receive and spend
their money on a daily basis




How will the service user be kept informed of how their money is being looked
after / managed




Please state how often this plan will be reviewed and who will be involved in the
reviewing process




Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY             23
Issue no: 2
Date of issue: February 2011
Reviewer: Service Manager POVA
Date of next review: March 2012
      Please state any agreed actions required as a result of this plan




      Completed by ………………………………………………………………..

      Designation …………..………………………………………………………..

      In consultation with

      ……………………………………………………Signature………………………………….

      ……………………………………………………Signature………………………………….

      ……………………………………………………Signature………………………………….

      Date: ………………………………………………………….


      Review date: ………………………………………………..



                                              APPENDIX FIVE

                             DIRECTORATE OF SOCIAL SERVICES

    CAERPHILLY CBC PROCEDURES FOR THE PROTECTION OF VULNERABLE ADULTS
                        FINANCIAL ABUSE CHECKLIST

      This checklist provides an ‘aide memoire’ to POVA Coordinators in response to and for ongoing
                                     monitoring of suspected financial abuse referrals.
                                   FINANCIAL ABUSE CHECKLIST
1     Does the person have capacity in relation to managing specific aspects of finances? (i.e.
      pensions, day to day expenses, personal allowances, wills, property, inheritance)
2     Does the person require assistance with the management of their
      finances/correspondence? (i.e. an appointee, family, friend, solicitor, friendly society)
3     Does the person require a formal capacity assessment at this point? (Consider who is best
      placed to undertake the assessment and why. Pending on outcome of capacity assessment
      consider Court of Protection)
4     Does the Co-ordinator need to contact the police (Has a criminal act been committed, is there
      any previous history of financial abuse or allegations, Is the perpetrator known to the police)
5     Is there a formal plan in place in relation to the management of finances? (I.e. decisions
      incorporated into care plan or risk assessments/risk management plan, provision of a personal
      safe)
6     Is there a need for a formal plan to be formulated in relation to the management of finances?
      Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY                         24
      Issue no: 2
      Date of issue: February 2011
      Reviewer: Service Manager POVA
      Date of next review: March 2012
     (Consider who is best placed to formulate the plan and who is not best placed to have input into the
     plan i.e. perpetrator)
7    Is there an EPA or LPA in place? (Consider contacting Office of Public Guardian, Liaise with
     client finance team, consider CHC clients also)
8    Does consideration need to be given to freezing or suspending bank accounts?
9    Does consideration need to be given to cancelling or changing internet banking details
10   Does consideration need to be given to cancelling current bank cards, credit cards or
     cheque books
11   Does the service user have any debt as a result of the financial abuse? (I.e. Care fees, CCBC
     invoices, Rent, Utility Bills)
12   Do items need to be retrieved from the alleged perpetrator (I.e. Bank statements, Bank Cards,
     Door Keys – Does a key safe need to be considered)
13   Does the Co-ordinator need to contact the DWP (Are they receiving benefits, Who are the
     benefits being paid to, can these be frozen)
14   Does the Co-ordinator need to contact the CCBC finance (Client finance team for
     CoP/Appointee or Financial Assessment Team for appointee only in respect of residential care –
     give consideration for CHC Clients.)
15   Is there scope for the alleged perpetrator to be supervised/suspended? (Consider the
     risks presented to other vulnerable people. Liaise with Personnel department of employing
     agency)
16   Does the service user have access to emergency monies whilst bank accounts etc
     are suspended? (Consider family, friends, other organisations that may assist including
     CCBC finance)
17   Does the person require support following the incident? (i.e. Advocacy, IMCA, Victim
     Support, Provision of additional services or items such as a safe.)
18   Is there a need to obtain financial documentation? (I.e. Receipts, banks statements
     etc)
19   Is there a solicitor or financial advisor involved with the service user?
20   Does the service user have a will? (Is the will held with the service user, family, solicitor)




     Document no / name: ASSISTING PEOPLE WITH THE MANAGEMENT OF THEIR MONEY                          25
     Issue no: 2
     Date of issue: February 2011
     Reviewer: Service Manager POVA
     Date of next review: March 2012

				
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