Back on Track: Financial Shield

At the heart of most social problems is a financial one.

Hanan Paganini explains how debt intervention is being integrated into social prescribing to help GPs support patients with long term health conditions and financial issues

Hanan will be speaking at the Thriving Communities and Accelerating Innovation webinar on Financial Wellbeing and Social Prescribing on Tuesday 5 October 3-4pm. Register on Eventbrite here.

I’m Hanan, one of the Financial Support Link workers for ‘Back on Track’, a pilot running in Lambeth and Southwark to improve the health and financial well-being outcomes for people who have, or are at risk of developing, both long-term health conditions and financial problems.

Creditors including local authorities and housing associations have joined up with the Primary Care Network (PCN) to identify postcodes with concentrations of debt so that local GP practices can search their patient lists for individuals with long-term health conditions in these postcodes and offer them appointments with me or a colleague, for advice on their financial problems.

I’m embedded within the Social Prescribing team and responsible for assessing their financial and health needs. Once onboarded, I work to maximise income through benefits and advise on any available grants, emergency or discretionary support that may be available. If there are debts outstanding with one of the participating creditors, then they have agreed to place a hold on enforcement action for up to 60 days to allow income maximisation work to take place.  After that period, I can help people set up affordable debt repayment plans, and if more than one of the creditors is owed money they have agreed to co-operate through a new ‘Joint Debt Recovery Protocol’, rather than compete for any available funds.

Social workers and prescribers often tell me they need financial specialists because there is always a financial problem at the heart of the people they are helping. While they signpost to financial support groups patients can end up with multiple contact points and waiting lists and what they need is one person, in whom they can confide and get help with specific requirements, such as completing a benefit application online or dealing with multiple creditors.

Our social prescribing team has a holistic care approach based on a mutual understanding of the individual’s physical and mental health, alongside their social and financial circumstances, all of which contributes to their health and wellbeing.

 

Back on Track: the challenges

 

We are only a few months into the pilot and still learning how to fine tune this approach.

One of the biggest problems is that money problems arise from all sorts of deeper issues  – severe mental health conditions including depression, domestic abuse, drug misuse and disability – that can become so entrenched in people’s lives they have forgotten how to function.  Many people struggle to follow-up from our initial conversations and many also disengage from our service, overwhelmed by other things, before we have finished our work with them, and the skill is to get them back again, without adding to their stress by chasing them because it’s likely creditors and bailiffs are chasing them also. Some do come back, sometimes through another route.

It takes time to win their trust and get all the facts because personal finances are private, and it can be hard to open up. It’s proving easier to talk about maximising benefit and much harder to get the full extent of a person’s debt.

The other problem we’re experiencing is their consent to share information with the participating creditors, which is a barrier to onboarding people. Ultimately, we need to track the impact of the project on debt repayments to evaluate the case for creditor contributions to the cost of social prescribing financial support moving forwards.  Without this consent, we won’t obtain the evidence we need.

Positive outcomes – case studies

 

Despite these challenges, it is very rewarding to be helping people solve their financial problems proactively and witness an improvement to their welfare. These case studies are representative of the work we are doing.

Mike (not his real name) is a full time carer for his mother who has dementia. When he received a letter from DWP stating that his mother’s Disability Living Allowance was being terminated and he needed to apply for Attendance Allowance instead, he became very anxious about the application due to his limited literacy skills and being digitally excluded. His anxiety spiralled to a point where he began contemplating suicide.

He was already receiving medical support for his mental health and his doctor referred him for financial support whereby I helped him complete the Attendance Allowance application which was granted; and shared information on how to access the services of Dementia UK and Alzheimer’s Society for advice on caring for his mum. Mike said to me afterwards: “You and Dr Warda saved my life.”

 

Due to the lockdown, Sharmin (not his real name) lost his job, and he and his wife lost their only income. They speak limited English and struggle with access to services, however, Sharmin mentioned to a nurse how he felt anxious and worthless about his situation and was referred for financial support. I made an application for Universal Credit which did not match their previous income but did cover essential bills and 4 months later he landed a new job and stopped claiming benefits.

Debbie (not her real name) suffered a physical attack from a colleague who ran her over in his car in their office car park. She tried to return to work after the incident but developed PTSD, feared going out and was bedbound most days with suicidal thoughts. She accumulated arrears and became anxious about opening letters from creditors. Having received the referral for financial support, I applied for Universal Credit and PIP and activated the Breathing Space but then she disengaged from the scheme. Fortunately, her sister stepped in to help and contacted CAB, where she is receiving debt advice again. Her UC application has been approved  and PIP is being processed.

Mohamed (not his real name) had a stroke which impaired his memory and critical thinking. His rent previously included all utility bills, however, this arrangement stopped without notification and despite continuing to pay his rent, he received letters demanding outstanding payments for utilities. After a year, he developed depression and was identified by his GP who then referred him for financial support. I have contacted the utility providers on his behalf and applied for schemes to write off the debt.

We aim to help up to 2,000 residents in Lambeth and Southwark by the end of the pilot in October 2022 and provide evidence that solving the financial problems of individuals with health conditions improves their mental and physical wellbeing and has a positive impact on debt recovery for local authorities and other creditors.

Ideas Hub

Published 4 October 2021

Hanan Paganini

Financial Support Link Worker

Financial Shield