Presentation delivered by Tim Anslee, The Wealth Care Partnership; Ruth Corden, West Sussex County Council and Lynda Ryan, Age UK West Sussex for TLAP's Information, Advice and Brokerage workshop for Care Act compliance.

1. Carewise West Sussex Funding
Advice Scheme
Tim Anstee – The Wealth Care Partnership
Ruth Corden – West Sussex County Council
Lynda Ryan – Age UK West Sussex
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2. Carewise –Launched October 2011
 Established originally to reduce the number of self-funders in residential
care running out of money and the funding becoming the responsibility of
the County Council
Partnership approach
 WSCC’s Adults’ Services & Trading Standards departments
 Age UK West Sussex – Information & advice including free Money Advice
Service
 West Sussex Partners in Care (represents independent providers) –
Information & advice on care and support options and residential homes
 An approved panel of local independent care fees specialists (7) – all
Society of Later Life (SOLLA) care fees specialists within a 20 mile radius
of the county invited to express interest

3. Governance
 Administered by West Sussex County Council
 Lead officer from the County Council
 Carewise Management Group - Provides strategic oversight
and ensures that the scheme continues to meet its objectives
 Memorandum of Agreement
 Monitoring and evaluation processes in place – corporate
targets for Carewise
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4. Carewise panel of Care Fees Specialists
To provide people with added confidence, the care fees
specialists are:
 Accredited by the Society of Later Life Advisers
(SOLLA)
 Approved under the Trading Standards Buy with
Confidence scheme
 Disclosure and Barring Service checked; and
 Trained in safeguarding adults
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5. Carewise Approach
 Implemented a referral model in January 2013 –previously callers to the
Contact Centre were provided with information and a list of the care fees
specialists
 Channels to provide the right information to meet individual circumstances
- care fees specialists and information and advice, including money advice,
from Age UK West Sussex
 Key role for the Contact Centre in referring people to the care fees
specialists or Age UK West Sussex
 Allocation of care fees specialists to social care areas (3) – referral on a
rotational basis
 Strong element of customer choice - callers offered information and a
referral to a care fees specialist plus reference to list of panel members
 Significant increase in referrals since January 2013
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6. Residential care home providers
Template recommending new residents seek
specialist financial advice for inclusion in admission
packs
 Free Affordability Indicator/Check for new residents
offered to providers by care fees specialists
 Staff from the Contracts & Performance Team
promote Carewise on visits to residential care homes
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7. Legal Liability
 Legal advice sought on the Carewise model
 Built in strong element of customer choice – Contact Centre
advises callers about the panel of care fees specialists
before making a referral
 Disclaimer on public information
 Public information and the Contact Centre makes clear that
the care fees specialist are ‘independent’ of the County
Council
 Care fees specialists have professional indemnity
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8. Awareness Raising
 Promotional activities comprised a key element of
the scheme from the outset
 Secured funding for a year-long high level
campaign from June 2014 and a post to support
the work
 Significant increase in referrals to care fees
specialists
 Submitting business case to continue with the
campaign
 Staff awareness training
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9. How I helped Rose

10. What can happen to capital?
£218,000 of capital
Care Home costs
£16,410 more than
income

11. 11
£204,206
£189,426
£173,607
£156,694
£138,628
£119,347
£98,789
£76,883
£53,561
£28,746
£0
£50,000
£100,000
£150,000
£200,000
£250,000
1 2 3 4 5 6 7 8 9 10
Effect of Care Fees on Capital
"Using capital in cash deposits earning 1.2%
net interest"

12. £204,206
£189,426
£173,607
£156,694
£138,628
£119,347
£98,789
£76,883
£53,561
£28,746
£0
£50,000
£100,000
£150,000
£200,000
£250,000
1 2 3 4 5 6 7 8 9 10
Effect of Care Fees on Capital
"Using capital in cash deposits
earning 1.2% net interest"

13. Purchase an Immediate Care
Plan
Assets
Remaining Capital
Cost of ICP

14. What is an Immediate Care
Plan (ICP)?
• Annuity
• Tax free benefit
• Escalation
• Capital Protection available
• Deferred start possible
• Paid for life

15. An Option
Immediate Care Plan

16. What if this lady purchases an
Immediate Care Plan ?
Pay a lump sum from her
£218,000
Cost £85,925 *
Escalating benefit of 5% per
annum
No Capital Protection
*Friends Life

17. £132,705
£138,678
£145,612
£152,893
£160,537
£168,564
£176,993
£185,842
£195,134
£204,890
0
50,000
100,000
150,000
200,000
250,000
1 2 3 4 5 6 7 8 9 10
ICP plus investing residue
End of Year

18. £0
£50,000
£100,000
£150,000
£200,000
£250,000
1 2 3 4 5 6 7 8 9 10
Capital
End of Year in Care
Effect of Care Fees on Capital
ICP + residue invested achieving 5% net
dividend income
ICP + residue in cash deposit achieving
1.2% net interest
"Using capital in cash deposits earning
1.2% net interest"

19. Carewise and Age UK West Sussex
Our role within the partnership is to:
• Act in the best interest of the customers
• Ensure people are aware of their rights throughout
their journey
• Deliver quality monitored information and advice
ranging from accessing help at home, financial matters,
free money advice, housing issues, care, care homes
and much more
• Our independence brings a balance to the partnership
ensuring the model remains customer focused
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20. What works well?
 Strong commitment from partners to ensuring the success of the Carewise
 WSCC Member and senior management support
 Management Group – Forum to enable open debate between partners
 Referral model with high level of customer choice
 Channels to provide the right information to meet individual circumstances
 Criteria for the panel of care fee specialists
 Close involvement of the Contact Centre
 Budget for marketing and promotional campaign
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21. Challenges
• Raising public awareness
• Engaging providers
• Equity in the referral process – area allocation
to care fee specialists
• The ‘filtering’ process at Contact Centre stage
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22. What next for Carewise?
 Implementing the provisions of the Care Act
 Refining the ‘filtering’ process
 Increased focus on promotion to residential and care home providers
 Including clause in contracts with residential care and nursing homes requiring
notification to the County Council six months prior to a resident’s funds
depleting
 Further promotion with staff
 Ongoing marketing and promotion
 Continuing to review and refine the scheme as necessary
 Sharing our learning – learning from others
 Full review of the scheme January 2018
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23. Questions
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24. Further information
• www.westsussexconnecttosupport.org/carewise
• Ruth Corden
Email: ruth.corden@westsussex.gov.uk
Phone: 033022 23705
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