You may have seen Carers Trust’s recent response to a story from the Money and Mental Health Policy Institute’s finding that half of mental health carers know the PIN number of the person they care for.
Nic from the Money and Mental Health Policy Institute talks more about the subject in this excellent guest blog.
What do you do when, to care for someone you love, you have to break the rules? When you’re trying to help, but the computer says no, or the system won’t allow it? Do you agree and step away, or do you bend the rules and help anyway, hoping it’s for the greater good?
When it comes to supporting someone to manage their money, our research has found that many carers find financial systems so inflexible and unhelpful that they’re bending the rules just to help keep the person they care for afloat.
Banks often want to speak to the account holder directly, which is difficult when anxiety stops them making phone calls. Accounts are set up with a single user, one set of permissions, one PIN number, and asking the bank if you can pay the bills on someone else’s behalf is like speaking a foreign language.
Sharing PIN numbers, online banking passwords and contactless cards are just some of the most common workarounds that carers have told us they use. Over half of carers (52%) for someone with a mental health problem know someone else’s PIN number, while almost a quarter (23%) know someone else’s online banking passwords, significantly higher than the wider population.
For many people with mental health problems, as well as other conditions like dementia, the support of a carer can be the difference between being able to manage and slipping into financial difficulty as a result of impulsive spending or lack of financial management. Having access to the bank account of the person they care for, to keep an eye on spending and bills, can be vital for carers of people with mental health problems.
The best worst option
“It does not feel comfortable for me to be pretending that I’m my father, which is effectively what I was doing… But it was the best worst option.”
Though using these workarounds allows them to help, many carers have told us they find it uncomfortable having to use them. In using the PIN numbers and online banking passwords of the person they care for, they are, in effect, pretending to be them and leaving no record of what transactions, or withdrawals they have made.
This can leave both carers and the person they care for in a difficult position down the line, it muddies the waters and creates the potential for both financial abuse and accusations of financial mismanagement.
What we are calling for
Caring for someone shouldn’t involve having to take on extra financial or legal risk. This is why we’re calling on banks, building societies and utilities companies to recognise the importance of the support carers provide and create systems that allow them to do so. We’re calling on organisations to:
- Develop a strategic approach to carer and family access to information so there are clear rules across the board about what carers can expect when contacting a bank or building society.
- Develop simple, flexible and accessible tools for third party access, support and control of customer accounts like read-only access to accounts, notifications of unusual behaviour like large transactions, or delegation so carers can take make some kinds of financial decisions for the person they care for in a transparent way.
- Improve the Power of Attorney system so it appeals to people with ongoing, fluctuating mental health problems, not just people with deteriorating health conditions.
We want to hear from you
If you care for someone with a mental health problem we want to hear about your experiences, what issues you’ve had or difficulties you’ve faced, and most importantly what you think would help.
Money and Mental Health’s Research Community is at the heart of our work. We need to hear from people with mental health problems and their carers to make sure that we are working towards solutions that make living with and supporting someone with a mental health problem a much better process for all involved.
Guest blog by Nic Murray from the Money and Mental Health Policy Institute.
Find out more about mental health on Carers.org.
I have been the Mental Health Policy Manager for England at Carers Trust for six years and three months (nearly). In my first month of the job, the Triangle of Care landed on my desk and as they say the rest was history. Now, all this time later as I prepare to leave Carers Trust I ponder: where are we now? What difference has it made?
If you still haven’t heard of the Triangle of Care (where have you been) it’s a resource that was developed by Alan Worthington and a group of carers based on their experiences of mental health inpatient services. It set out six key standards which, if in place, they would feel included and supported.
This short document originally written to improve carers’ experience of inpatient mental health services is now being implemented across all mental health services, learning disabilities, community health, substance misuse and older people’s services and is changing the culture of health as we know it.
I’m sure when it was written they never thought it would have been adapted for Scotland, Jersey and Australia and have reached as far as Japan and New Zealand.
Triangle of Care – beyond a project
When I first began working on the Triangle of Care, I thought (naively I realise now): “well this will take a couple of years but that’s all”. Six years on and although we have made huge strides I realise that I’m still only in the first half of the marathon race.
So what has this six years taught me? Well, firstly that that Triangle of Care goes beyond a project and is actually a programme for cultural change; health services are not carer inclusive, carers just aren’t part of core business (no matter how many Carers Strategies they write); Triangle of Care is changing that.
There is a will from many staff to include and support carers but this needs nurturing, support, training and empowering; this needs ongoing support from senior managers to see that including carers isn’t a quick fix but an ongoing process.
That there is huge amounts of good work going on out there and if one ward or community team can do it so can all of them! That you can get a lot done on not much money as long as you’re tenacious and determined, but it does need resourcing and it does need support.
We (Carers Trust) have achieved huge amounts on a tiny budget in six years, I often wonder what we could have done with the budget for Dementia Friends…….(sorry drifted off into a reverie there).
Adapting the Triangle of Care for multiple audiences
Now here we are six years on, we’ve adapted the Triangle of Care for dementia, for young carers and in the New Year will be adapting it especially for Children and Adolescent Mental Health services.
We’ve developed resources, guides, toolkits and given innumerable presentations as well as travelled on more trains over the entire country than I can count.
The next steps are exciting though, a new person and a fresh set of eyes will keep pushing Triangle of Care forward. I hope carers, service users and professionals will keep pushing for Triangle of Care in their services too. We’ve got 31 Trusts in England signed up (that’s more than half) but there are still some not signed up, not even involved.
You can check if yours is on our Carers Trust Professionals website, if they are get involved and support the implementation. If they’re not involved start asking why, write to the CEO and the Chair, and spread the word about Triangle of Care to other carers so that at every meeting and interaction someone mentions it.
Six years and 31 trusts have shown me there really is no excuse not to sign up to Triangle of Care; I’m proud of the legacy I leave behind and look forward to next part of the journey. The decision to leave was an incredibly tough one, but I know that Carers Trust will continue to drive Triangle of Care forward and how the NHS works with carers will change irrevocably.
You never know if you’ve done a good job or made a difference but this comment from the wonderful Veronica Kamerling shows the power of Triangle of Care:
“What you have done to put together and promote the “Triangle of Care” is so fantastic and incredibly inspirational. I hear it being talked about everywhere I go – it is a real success story and such a wonderful tool for carers and has got everyone thinking about carers!”
Blog by Ruth Hannan, Mental Health Policy Manager for England at Carers Trust
As children we are taught to put others before ourselves and we carry this notion into adulthood. I would like to challenge this notion, especially where carers are concerned.
Carers have a constant worry about what would happen to the person they care for, if something happened to them; yet for too many their own health concerns are put on hold, ignored or just not met.
A new Carers Trust survey of older carers reveals more than 80% of carers had at least one health condition, with 66% directly attributing it to their caring role. Astonishingly, over 50% reported 3 or more health conditions.
The survey backs up what we already know about carers, that they put their own health on hold. Over half, 57% of carers, said they had postponed or cancelled their own appointment or treatment due to their caring role.
We can’t ignore carers’ health issues
Carers are all too often going without enough sleep, are unable to take time to exercise and giving up activities and hobbies they enjoyed, contributing further to their poor health.
We cannot afford to ignore the health issues faced by our growing population of carers. More people than ever are caring, and caring for longer and later in life. Carers are vital in supporting the stretched health and social care system. It is therefore imperative their own health is prioritised.
Putting our self first when it comes to health is not selfish and we should not feel guilty, it is vital especially for those people with a caring role.
Carers Trust is calling for local authorities to use their power and add a question to the free NHS Health Check, asking if people have a caring role.
This will help identify carers early, ensuring they get the advice and support they need to look after their health long term.
To take part in the action and find out more, see our Speak up for older carers campaign.
Blog by Louise Marks, Dementia Policy and Development Officer at Carers Trust
This blog was created by the Assistant Headteacher of Bartholomew School in Oxfordshire.
The Young Carers in School (YCiS) programme has had a big impact on Bartholomew students who are young carers. The average attendance for our young carers (YC) during 2015-16 was 94.2%, an increase on each of the previous two years. YC attainment is also impressive, with YC students achieving 87.5% A*-C including English and maths at GCSE last year.
But of course, the YCiS programme is not just about supporting academic progress. We have noticed a significant improvement in students’ emotional well-being, confidence and self-esteem. They have access to funding to support extracurricular activities, as well as opportunities to try new activities. Our YCs also tell us how much they value having the space and time to talk to someone, and to meet other young carers from across the UK. Parents also feel listened to and supported. But, perhaps most importantly, our students feel proud that they are a young carer.
From a teacher’s perspective, it is really important to understand what is going on with each of our young carers, including any and all factors which may affect their progress. We are then best placed to put in place the most appropriate support for their individual needs, be it adjusting homework requirements, offering additional support to help them catch up if they have missed time out of school, ensuring they get the same opportunities as their peers both inside and outside the classroom, and signposting to other supports and opportunities – such as days out, YC youth club or CHICKs respite.
We see so many success stories among our young carer students, and one that is typical is the young carer who was struggling emotionally both at home and in school. He has been a carer for many years, but it was only after he had received support in school and had started to attend the local YC youth club that he had the confidence to leave his mum and attend a respite residential break in the summer where he was able to experience activities such as horse riding for the first time. Mum also feels supported and listened to, especially as we are able to assist in looking at appropriate support avenues and referrals. This young man’s attendance has also improved since he became involved in the YCiS programme.
Another one of our students was identified 5 years ago as a young carer. Initially supported regularly 1:1 and via Spurgeons, she has now been able to access the children’s support fund to help with funding a new laptop to help with her studies. She has grown hugely in confidence and now feels able to support other younger students who are young carers. Her excellent GCSE results were also an indication of the positive impact of the YCiS programme.
Bartholomew School have also been supported by Oxfordshire County Council through the Oxfordshire Young Carer School Standards.
I’m three months into the new job and this is my first Carer Week. It’s really impressive to see how much activity is taking place across the UK. Local carers services have been brewing up a whole range of events in local libraries, town halls, shopping centres, social media and much more besides. Carers Trust have been on TV and radio, raising awareness of carers and the work of our local carers services.
On Tuesday, Carers Trust, with carers and other charities, chatted to lots of MPs at a Westminster parliamentary event. Also in Westminster, Parliament is having its first full day carers debate for several years this Thursday.
It’s important we continue to raise awareness because we know that many carers go unsupported. Carers Trust Network Partners see about half million of the UKs carers. Which leaves nearly 5m who don’t access these valuable services. This might well be that many carers decide these services are not for them. Much more likely is that they are simply not aware that they exist. Our ambition is to see our Network Partners reach many more of these carers, to let them know about the support that’s available.
I sat in on a drop in session in my local carers centre last week.
Mona (not her real name) is a single mother of 3 children, one of whom has been severely disabled all her life. Having reached the age of 18 her disabled daughter is now entitled to employment support allowance. ESA for short. The ESA form is a formidable 52-page booklet, seeking all sorts of information about the claimant. Given that Mona and her daughter have been in receipt of statutory services for the last 18 years, it’s almost certain that most of the information they’re asking for is known to statutory authorities already. Sitting in others systems probably. Mona’s English was good and she said she could probably fill out the report herself, were it not for the fact that she’s completely exhausted. The form’s already a month overdue so they’ve lost out on some benefits already. The staff in the centre were incredibly helpful. They phoned the ESA folk straight away to check on the deadline and are going to sit down with Mona to help her complete the form and send it off. They’re also going to try to get Mona a break. Possibly with a grant from Carers Trust. I hope she’s successful. As she was leaving I told Mona about the weekly carers film club in the Carers Centre, which got her all excited. Let’s hope she checks that out too.
Despite all of the help that’s on offer to carers, from Carers Trust Network Partners and many others, Monas case, and the evidence in this year’s State of Caring report, reminds us that life remains really tough for many of the UK’s carers.
So in this week of celebrating all that carers do, let’s not forget the inconvenient truth, that many UK carers are not having a good time.
There was no sign that Mona had received her Care Act Assessment under the new legislation. Carers Trust has been looking into how the new Care Act is working for Carers one year on. Look out for the report in early July. We hope it will give government, both national and local, important evidence about what needs improving, and food for thought as the new national carers strategy is being developed.
In the meantime, if you’re supporting carers or are a carer yourself, see if you can take some time to take part in Carers Week this week. There’s a lot of fun stuff happening all over the UK, quite possibly near you or if not on-line.
Remember Carers Trust is here to help. You can find your local carers service by calling 08448004361 or on http://www.Carers.org
Joe Gannon is Director of Policy and Research at Carers Trust.
I’ve had this feeling lately that campaigning is really easy but then I’m getting a lot of help. I have had young adult carers creating campaigns and then I do the easy bit of getting the message out there to all the lovely people in contact with Carers Trust.
A young adult carer got in contact about her student group’s campaign for UCAS to change their application form. That way carers can identify themselves using a tick box. Carers Trust is getting the message out there and collecting signatures for the group’s petition. Continue reading
This week is dying matters week, the week will be used to highlight the importance of having conversations with our close family members and friends about what we would like when we are at the end of our life, and how we would like to be remembered. We are encouraged to get ‘our house’ in order and to fulfil as much of our bucket list as we can. Continue reading
Finding a job is not easy for anyone. Once you’ve had a think about what you would like to do, completed various online personality tests on what job would suit you best and asked everyone you know what they think, you get to the task of actually searching for work. Then you have to decide where’s best to look – online, in newspapers, through friends and family, maybe contact a recruitment agency?
Amidst all of this you must start writing a CV, covering letters and completing application forms – and of course, all jobs are different and expect different things during the application process. Continue reading
Last week a group of young carers and young adult carers spoke in the Houses of Parliament. They talked about a subject that had never been covered in this type of discussion. The subject is probably a really familiar one for anyone who works with young carers but it is not really known by the general public – the mental health of young carers. Continue reading
I travel a lot. Not fun travel like “oh I just popped to Marrakech for the weekend” travel, but travel for work as in “yes I’m in Darlington today then I’ve got to get to Taunton tomorrow” – that sort of travel. The travel has a purpose (I don’t just have the weirdest idea of ‘fun’ ever), the purpose is carers, the purpose is inclusion, the purpose is change, the purpose is the Triangle of Care. Most weeks of the year I travel around talking to professionals in mental health services to support them to include carers in their services more; the Triangle of Care programme works to ensure carers are included, informed and supported in their own right whilst being able to have the skills and knowledge to support the person they care for better. On my travels I find the majority of people get it: they get that it makes sense to give carers more knowledge about how mental health services work; they get it that it makes sense to get them support in their own right; they get that whole family working makes sense for all involved. Continue reading