Our impact When I hit rock bottom you were there for me...

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Our impact 2011. When I hit rock bottom you were there for me..."

Transcription

1 Our impact 2011 When I hit rock bottom you were there for me...

2 Who are we? We re the Charity for the Civil Service community. We re here for you, offering support and advice when you need it most. Who do we help? We help people who work, or have worked, in the Civil Service, and their families whether you were a civil servant for a short time or your whole working life. How do we help? Nobody can predict life s twists and turns stuff happens, and can happen to any of us. We re there for you and your family when times are tough. Whether it s money worries, falling ill, living somewhere below minimum standards or losing someone you love, we can help. Advice and support Advisors Our trained advisors help with a wide range of issues, from disability to money problems and redundancy. First contact is generally made by to: Or call us on freephone: ,300 calls In 2011, the Charity s helpline received over 9,300 calls.

3 Referral to professionals Sometimes people need more specialist advice to deal with specific problems. Our helpline staff can give you contact details for specialist agencies and help to get things sorted. Thank you for sending me the literature on Debt Management, the information you ve provided will help teach me how to handle my finances better. Financial Assistance Whatever your money worries, we may be able to help or give you a breathing space while you sort them out. If a crisis happens, the family splits, someone dies or you lose your job we can provide money to ease the stress. If you need to buy furniture, adapt your home or pay for essential repairs, we re there for you. We also act quickly in emergencies such as fire or flood and can help you pay for what you need right now. This cash was a huge help, you never think that you ll need this sort of help but sometimes things happen that you can t plan for. 5,720 people In 2011 we helped 5,720 people with cash payments totaling 4 million.

4 Arranging nursing or residential care We re here to help you find the right place to look after someone you love. Wherever you live, we can visit at home or at work to talk through the options and sometimes provide financial help. Carer s Passport As many as 30,000 civil servants across the UK have caring responsibilities. Our Carer s Passport helps you to identify where you might need additional support to meet your caring responsibilities and then help you and your manager make reasonable adjustments at work. 347 passports 2011 was the first year we offered the Carer s Passport. Just under 700 people approached us about it and half of them are already actively using their own Passports. The fact that this document is to be held on my file is of great reassurance to me because I know that this is available for any future managers to view, therefore not having to continually go over my situation.

5 At HMRC we ve found the Carer s Passport invaluable it s helped our staff achieve their full potential at work and address their caring responsibilities in a way that benefits both the individual and the department. We see it as playing a key role in helping position us as a leading employer of women who often fill the carer s role. Lin Homer HMRC Chief Executive Health on your Mind We provide Health on your Mind in partnership with the Department of Health and mental health charities. Our online toolkits have lots of information and guidance about how you can start to improve your emotional wellbeing and about how managers can help their staff. This has meant the world to me and more than anything it has given me a new hope that no matter how tough things are and how much you feel like you are on your own, there are people out there who care and are willing to help.

6 Volunteers Our volunteers play a key role in all areas of our work. By sharing their experience and time they help us make a real difference. Our Fundraising and Awareness Volunteers act as a point of contact within workplaces, putting up posters, talking to colleagues about our work and supporting us with fundraising activities. Those who can t make a regular commitment join our team of Occasional Volunteers who support us at local events and help during specific fundraising campaigns. It was really helpful to have someone from outside listen to me, someone who wasn t a doctor but could chat through the welfare side of things. Allan Liddell

7 Visiting Volunteers Visiting Volunteers visit people at home or work, to assist with applications for help and to offer a listening ear. They provide information and signpost to sources of advice in the areas of benefits, social care, housing and debt. They receive comprehensive training and support. 1,500 visits In 2011 our Visiting Volunteers helped with over 1,500 visits to give face-to-face support and advice. My volunteering experiences have not only given me satisfaction, but have also enhanced my personal and professional skills. I ve gained respect from my colleagues who admire the work I do and acknowledge how my services are of benefit to themselves and others. When I got the letter saying that the Charity was able to assist the lady I d visited, it made me feel like I d achieved something and that I d really helped someone who needed it. You don t get many opportunities to do something like that. Sue Murrell

8 What difference do we make? We help people get back to work There are many reasons why people may need time off work, none of them easy to predict but with our help, many are able to return more quickly. In 2011 more than one in ten of those we helped told us we assisted them in staying in, or getting back to, work. What a relief! I didn t feel I had to go back to work too early which gave me the space to concentrate on getting well. Kathleen Nicholls We can help improve your quality of life When times are hard, a helping hand can make all the difference. We can help pay for things to make your life better for example, a wheelchair, a cooker or household repairs. 607,048 of assistance In 2011, we gave nearly 1,000 people help totalling 607,048 for essential household equipment to improve living conditions. Thank you very much for coming through for me, offering me support and a helping hand when I was so low and in desperate need. My carpet and washing machine are now fitted and have made such a difference to my wellbeing and emotional stability.

9 Boosting independence We can help you afford equipment to increase your independence. Mobility aids In 2011 we helped over 100 people with mobility issues buying electric scooters, wheelchairs, stair lifts and reclining chairs and adapting cars. These people didn t qualify for statutory help and couldn t afford to purchase these products on their own. Kathleen has age-related macular degeneration, which means her sight has deteriorated to such a point that she only has peripheral vision. The Charity was able to help buy a software program that could read the computer for her. I can safely say it has given me my whole life back... when I m on the computer, I forget about everything. I now focus on what I can do, rather than what I can t. Kathleen Tovey

10 Helping to manage debt As well as putting people in touch with specialist debt advisors, we can provide a breathing space to sort out finances longer-term by settling some of the most pressing bills. 1,750 people Last year we helped 1,750 people coping with debt, with advice and financial support of over 800,000. I m not sure if you realise how much your help will change my life for the better, but rest assured it will. I ve not felt so stable in years. Helping families start new lives together After one of life s disasters, we re here to help pick up the pieces. Sometimes a short-term injection of cash can help keep a family together or help someone start again on their own. 229 re-housed In 2011 we put a roof over the heads of 229 people with support totalling 269,821 towards accommodation costs. Thank you so much for helping me out with the rental deposit and first month s rent. I m happily settled in with my wee son. You ll never know what a difference this has made to my life.

11 Moving on from redundancy Losing your job can sometimes lead to depression or falling into debt. We ve supported thousands of civil servants facing change with reassurance, advice, short-term bill payment and referral information. I was made redundant shortly after my wife left me. I was struggling to pay rent arrears and utility bills and was at a really low ebb. It was such a relief to get help. Since then I ve cleared my debts and put that all behind me. Martin Cook

12 Coping with bereavement Losing someone you love is devastating enough and when they die the last thing you want is the worry of how you ll pay for the funeral. We can help with funeral costs, or buying a headstone. We supported nearly 400 people in this way in When my son Daniel died the Charity paid for the funeral costs. It was the first positive thing to happen in the most horrendous month of my life. Taking that worry and stress away from me was just invaluable. Julie Harding

13 Dealing with an emergency We are there in moments of crisis, when action and money is needed immediately. We can respond quickly and get help to you fast. 250 emergencies In 2011 we helped 250 people with immediate needs following an emergency, such as fire or flood. Steven and Zubaeda Walker lived in a flat above the carpet shop in Tottenham that was set on fire during the riots in August We felt despair. Our home was a furnace, with all the floors ablaze. The burning building was the last thing we saw as we closed our eyes and the first when we opened them. The money gave us one less thing to worry about, words cannot express how grateful we are. Steven Walker Photographer: Alan Stanton Licensed under the Creative Commons Attribution- Share alike 2.0 Generic license

14 How are we funded? Our money comes from civil servants, for civil servants. People give, both time and money, because they want to be a part of the Civil Service community and lend a helping hand to others going through difficult times. When cancer hit our family we fell into terrifying poverty. You gave us the help and support we needed to get back on our feet successfully. I have now become a donor. It is costing me less than the price of a decent coffee per week. But it will mean much more to someone in need of a helping hand. By doing it through payroll giving I won t really miss it and there is the benefit of the tax relief. I feel good! Giving money You can give regularly through the payroll, by one-off donations, via text or our website, by sponsorship, or by leaving us money in your will. See for more information. 7,250,000 in donations In 2011, we received 7,250,000 in donations, through Payroll Giving, legacies, sponsorship and fundraising. I feel great that now I can give something back and know that because of my contribution, other people will get help when they really need it.

15 Keep up the good work. I truly think you guys are amazing and the generosity of the donors is nothing short of a miracle for me. The Civil Service Benevolent Fund. Company limited by guarantee registered no: A Charity registered in England and Wales no: and in Scotland SC

16 Where can I find help? Help and advice line Open from Monday to Friday 8.30am to 5pm. us Visit our website Here you will find a wealth of information and resources. General enquiries The Charity for Civil Servants, 5 Anne Boleyn s Walk, Cheam, Surrey, SM3 8DY Call: Follow us Teams across the country We also have 12 regional officers who co-ordinate some 25 to 30 volunteer visitors each. They are able to visit you at home or at work.

If you are struggling through an unexpected crisis There for you is here to help

If you are struggling through an unexpected crisis There for you is here to help If you are struggling through an unexpected crisis There for you is here to help supporting UNISON members when life gets tough Financial assistance Debt advice Wellbeing breaks Support and information

More information

Financial assistance Debt advice Wellbeing breaks Support and information. supporting UNISON members when life gets tough

Financial assistance Debt advice Wellbeing breaks Support and information. supporting UNISON members when life gets tough Financial assistance Debt advice Wellbeing breaks Support and information supporting UNISON members when life gets tough There for you There for You We recognise that UNISON members experience many pressures

More information

Free debt help. for your community. debt help. Free debt counselling from an award winning charity. Lifting people out of debt and poverty

Free debt help. for your community. debt help. Free debt counselling from an award winning charity. Lifting people out of debt and poverty CALL FREE ON 0800 328 0006 (01274 760839 may be cheaper from a mobile) Free debt help for your community Free debt counselling from an award winning charity Lifting people out of debt and poverty debt

More information

A simple, affordable way to give peace of mind to the people who matter most

A simple, affordable way to give peace of mind to the people who matter most GUARANTEED 50 PLUS LIFE COVER A simple, affordable way to give peace of mind to the people who matter most Want to know more? Please talk to your adviser The average cost of a burial in the UK is currently

More information

CALL FREE ON 0800 328 0006. Free debt help. for your community. Free debt counselling from an award winning charity. debt help

CALL FREE ON 0800 328 0006. Free debt help. for your community. Free debt counselling from an award winning charity. debt help CALL FREE ON 0800 328 0006 Free debt help for your community Free debt counselling from an award winning charity debt help Good news! The free debt counselling service of Christians Against Poverty (CAP)

More information

Welfare Reform Targeted Support Scheme Evaluation Report June 2014

Welfare Reform Targeted Support Scheme Evaluation Report June 2014 Welfare Reform Targeted Support Scheme Evaluation Report June 2014 The Welfare Reform Targeted Support Scheme was created by City of York Council after it received 35,000 from central government to support

More information

Your guide to cancer services in the Essex area

Your guide to cancer services in the Essex area Your guide to cancer services in the Essex area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in your corner.

More information

York Citizens Advice Bureau How did our advice help you?

York Citizens Advice Bureau How did our advice help you? York Citizens Advice Bureau How did our advice help you? Introduction York CAB is an independent charity that gives free, confidential and independent legal advice on a huge range of issues, including

More information

Your guide to cancer services in the Surrey, West Sussex and Hampshire area

Your guide to cancer services in the Surrey, West Sussex and Hampshire area Your guide to cancer services in the Surrey, West Sussex and Hampshire area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan

More information

Helping your loved ones. Simple steps to providing for your family and friends

Helping your loved ones. Simple steps to providing for your family and friends Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 04 Do you know how much you re worth? 06 Making lifetime

More information

Engineering support for life

Engineering support for life Engineering support for life Contents IET Connect 3 Introduction.... 3 Expert advice.... 4 Care and disability.... 5 Introduction Employment and education.... 6 Legal advice.... 7 A Trustee... 8 A Local

More information

Working together to help with the cost of cancer

Working together to help with the cost of cancer Working together to help with the cost of cancer The partnership Citizens Advice and Macmillan Cancer Support are working together to provide welfare benefits advice to people affected by cancer. Across

More information

How Perennial helps...

How Perennial helps... How Perennial helps... those working in or retired from horticulture www.perennial.org.uk Perennial provides free, confidential advice, support and financial assistance to people of all ages working in

More information

Getting social care support under the new law in England

Getting social care support under the new law in England Factsheet What does the Care Act mean for me? Getting social care support under the new law in England This factsheet concentrates on parts of the Care Act which will most affect people who use social

More information

Your guide to cancer services in the North West London area

Your guide to cancer services in the North West London area Your guide to cancer services in the North West London area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in

More information

A guide to our. Priority Services and ways we can help you manage your energy

A guide to our. Priority Services and ways we can help you manage your energy A guide to our Priority Services and ways we can help you manage your energy Contents Helping to make life easier Helping you feel safe how to recognise our staff If you re visually-impaired Other services

More information

The Social Fund. Part of the Department for Work and Pensions

The Social Fund. Part of the Department for Work and Pensions The Social Fund Part of the Department for Work and Pensions What is the Social Fund? If you are on a low income and faced with costs that are difficult to pay for out of your normal income, the Social

More information

Understanding tax. A guide to putting your tax matters in order 2015-16

Understanding tax. A guide to putting your tax matters in order 2015-16 A guide to putting your tax matters in order 2015-16 Introduction If you re ill or caring for someone who is, you may need to put your financial matters in order. This booklet explains how to handle your

More information

Occupational therapy. helping people to live with dementia. Occupational therapy. Helping people to live life their way

Occupational therapy. helping people to live with dementia. Occupational therapy. Helping people to live life their way Occupational therapy and Dementia Occupational therapy helping people to live with dementia Occupational therapy Helping people to live life their way Occupational therapy helping people to live with dementia

More information

A guide to prostate cancer clinical trials

A guide to prostate cancer clinical trials 1 A guide to prostate cancer clinical trials In this fact sheet: What is a clinical trial? Why are trials done? What are trials looking into at the moment? How are clinical trials done? Should I take part

More information

True Stories: My Debt Crisis

True Stories: My Debt Crisis Read the following article and consider the following questions for the individual involved: 1. What were the threats and poor decisions? 2. What were the positive actions and good decisions? 3. What would

More information

prepared in making referrals through Choose and Book, which doesn t create any additional work for me.

prepared in making referrals through Choose and Book, which doesn t create any additional work for me. Health Management Limited has been appointed as the supplier to deliver Fit for Work (previously Health and Work Service) in England and Wales. The following is a personal account of a service user s journey.

More information

Money and the Single Parent. Apprisen. 800.355.2227 www.apprisen.com

Money and the Single Parent. Apprisen. 800.355.2227 www.apprisen.com Money and the Single Parent Apprisen 800.355.2227 www.apprisen.com Money and the Single Parent Being a single parent is not easy. As a matter of fact, it is really hard. Single parents are stretched in

More information

State of Caring carersuk.org/stateofcaring

State of Caring carersuk.org/stateofcaring State of Caring 2014 carersuk.org/stateofcaring State of Caring 2014 Carers UK carries out an annual survey to collect evidence on a whole range of issues affecting carers lives. This year nearly 5,000

More information

A simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender

A simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender A simple guide to getting more from your future with Aviva Equity Release Best Equity Release Lender J4602_PF011120_1015.indd 1 09/10/15 8:06 pm Contents An introduction to Aviva Equity Release What is

More information

KEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu

KEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu KEEPING YOUR BUSINESS ON COURSE Helping you protect your business Protection Business Menu WHAT S INSIDE As a business owner you know what you need to make your business a success. Suitable premises, machinery

More information

Look after your mental health

Look after your mental health Look after your mental health It s important to take care of yourself and get the most from life. This booklet suggests 10 practical ways to look after your mental health. What is mental health? Hi, how

More information

Your helpful life insurance guide: Buying a home

Your helpful life insurance guide: Buying a home Your helpful life insurance guide: Buying a home 1 When it comes to buying a home, you may not realize that having life insurance is an important part of the process. Amica Life is here to help answer

More information

Glasgow Association for Mental Health Money and Debt Project: Evaluation Feedback

Glasgow Association for Mental Health Money and Debt Project: Evaluation Feedback Glasgow Association for Mental Health Money and Debt Project: Evaluation Feedback Evaluation by Philip O Hare, Clinical Governance Support Unit, Partnerships, NHS Greater Glasgow and Clyde. Patricia Grieve,

More information

Living with dying Patients and carers experiences of living with lung cancer. Dr Donna Fitzsimons, Lesley Rutherford & Jill McAuley

Living with dying Patients and carers experiences of living with lung cancer. Dr Donna Fitzsimons, Lesley Rutherford & Jill McAuley Living with dying Patients and carers experiences of living with lung cancer Dr Donna Fitzsimons, Lesley Rutherford & Jill McAuley Study Aims To explore the experiences of patients living with lung cancer.

More information

Annual Review 2014/15. Professional Integrity. Enterprising. Responsive. Passion

Annual Review 2014/15. Professional Integrity. Enterprising. Responsive. Passion Annual Review 2014/15 Professional Integrity Passion Enterprising Responsive A year of helping older people Joint statement from Chair and Chief Officer. This has been a year of change with a focus on

More information

Have you protected the most valuable things in your home? Protecting yourself as well as your home

Have you protected the most valuable things in your home? Protecting yourself as well as your home Have you protected the most valuable things in your home? Protecting yourself as well as your home What s inside 2 A product to suit your life today, and in the future 4 Income Cover for Sickness 6 Critical

More information

Your guide to cancer services in the South East London area

Your guide to cancer services in the South East London area Your guide to cancer services in the South East London area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in

More information

Your guide to cancer services in the Mount Vernon area

Your guide to cancer services in the Mount Vernon area Your guide to cancer services in the Mount Vernon area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in your

More information

Your helpful life insurance guide: Raising a family

Your helpful life insurance guide: Raising a family Your helpful life insurance guide: Raising a family Being a parent is one of life s greatest joys. As your family grows, it s essential to have enough life insurance protection in place to help ensure

More information

Income protection. Paying you a monthly income if you can t work because of an accident or illness

Income protection. Paying you a monthly income if you can t work because of an accident or illness Income protection Paying you a monthly income if you can t work because of an accident or illness Income Protection How it works when you can t Income Protection is a type of insurance which helps replace

More information

PALLIATIVE CARE SERVICES AND RESOURCES. A guide for patients and their loved ones. Living well with serious illness

PALLIATIVE CARE SERVICES AND RESOURCES. A guide for patients and their loved ones. Living well with serious illness PALLIATIVE CARE SERVICES AND RESOURCES A guide for patients and their loved ones Living well with serious illness A patient and family centered approach to living with serious illness Palliative care addresses

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

WHEN YOU NEED IT MOST

WHEN YOU NEED IT MOST A HELPING HAND WHEN YOU NEED IT MOST A Guide to Your One to One Personal Support Helping Hand: One to One Personal Support Introducing ROYAL LONDON Ever since we started as a Friendly Society over 150

More information

ISI Debtor Testimonials. April 2015 ISI. Tackling problem debt together

ISI Debtor Testimonials. April 2015 ISI. Tackling problem debt together ISI Debtor Testimonials April 2015 ISI Tackling problem debt together The following are the words of debtors who have availed of the ISI s debt solutions and are real cases. They have reviewed and agreed

More information

Life Insurance made easy

Life Insurance made easy Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in

More information

Macmillan Cancer Support Volunteering Policy

Macmillan Cancer Support Volunteering Policy Macmillan Cancer Support Volunteering Policy Introduction Thousands of volunteers dedicate time and energy to improve the lives of people affected by cancer. Macmillan was started by a volunteer and volunteers

More information

Leicester Charity Link t: 0116 222 2200 20a Millstone Lane f: 0116 222 2201 e: info@charity-link.org w: www.charity-link.org

Leicester Charity Link t: 0116 222 2200 20a Millstone Lane f: 0116 222 2201 e: info@charity-link.org w: www.charity-link.org Over 130 years of helping people in need across Leicester, Leicestershire and Rutland. We re here to help! If you are working with individuals or families who are experiencing hardship, then we may be

More information

Aspire Housing. A temporary home while long-term accommodation is being arranged

Aspire Housing. A temporary home while long-term accommodation is being arranged Aspire Housing A temporary home while long-term accommodation is being arranged About Aspire Incurring a spinal cord injury can be life changing, but you can still lead a full and rewarding life. Over

More information

INTRODUCTION. Make sure you do all you can to find work

INTRODUCTION. Make sure you do all you can to find work welcome guide INTRODUCTION Universal Credit s been set up to make sure you get the support you need to find and progress in work, and benefit from all the positives having a job brings. Put simply, if

More information

Supporting relatives and informal carers top tips for mental health workers

Supporting relatives and informal carers top tips for mental health workers Supporting relatives and informal carers top tips for mental health workers These top tip cards have been produced in partnership by NHS Education for Scotland and Support in Mind Scotland. NHS Education

More information

The Mind guide to insurance cover and mental health. guide to. insurance cover and mental health

The Mind guide to insurance cover and mental health. guide to. insurance cover and mental health The Mind guide to insurance cover and mental health guide to insurance cover and mental health The Mind guide to insurance cover and mental health This booklet is for anyone who wants to know how a mental

More information

Tax credits: The current picture

Tax credits: The current picture CAB survey findings Advice Week briefing September 2007 Tax credits: The current picture Introduction Tax credits form a vital component of the Government s strategy for tackling child poverty and making

More information

Keeping up with mortgage repayments

Keeping up with mortgage repayments Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you

More information

A GUIDE FOR PEOPLE WITH HIV IN THEIR TEENS AND EARLY ADULTHOOD

A GUIDE FOR PEOPLE WITH HIV IN THEIR TEENS AND EARLY ADULTHOOD student life going to university or College: A GUIDE FOR PEOPLE WITH HIV IN THEIR TEENS AND EARLY ADULTHOOD ncb.org.uk/lifelinks student life 2 So you re thinking of going to university or college and

More information

Housing options for single parents

Housing options for single parents Formed from the merger of the National Council for One Parent Families and Gingerbread Factsheet For single parents in England and Wales February 2012 Freephone 0808 802 0925 Gingerbread Single Parent

More information

If you have Parkinson s, or care for someone who does, you may have

If you have Parkinson s, or care for someone who does, you may have Work, Symptoms money and and practical lifestyle matters General information about benefits If you have Parkinson s, or care for someone who does, you may have some concerns about how you will manage financially.

More information

DISCOVER YOUR LIFE-CHANGING COURSE AT THE MERSEY CARE RECOVERY COLLEGE

DISCOVER YOUR LIFE-CHANGING COURSE AT THE MERSEY CARE RECOVERY COLLEGE DISCOVER YOUR LIFE-CHANGING COURSE AT THE MERSEY CARE RECOVERY COLLEGE Your Future, Your Way AT THE RECOVERY COLLEGE, EVERYTHING IS GEARED AROUND HELPING YOU ENJOY A BETTER QUALITY OF LIFE A GREATER ABILITY

More information

Sorting out your estate before you die

Sorting out your estate before you die Sorting out your estate before you die This information is an extract from the booklet Sorting out your affairs, which is part of the financial guidance series. You may find the full booklet helpful. We

More information

FAMILY PROTECTION MADE EASY. A guide to life assurance

FAMILY PROTECTION MADE EASY. A guide to life assurance FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see

More information

Financial help for people with mesothelioma

Financial help for people with mesothelioma Financial help for people with mesothelioma This information is an extract from the booklet Understanding mesothelioma. You may find the full booklet helpful. We can send you a free copy see page 7. Contents

More information

getting there Models for Self- Directed Support broker support Getting There Discussion paper

getting there Models for Self- Directed Support broker support Getting There Discussion paper Models for Self- Directed Support broker support Getting There Discussion paper getting there Outside the Box November 2012 Introduction Introduction what this section covers: About Getting There Summary

More information

Your guide to protecting yourself and your loved ones with Aviva

Your guide to protecting yourself and your loved ones with Aviva Your guide to protecting yourself and your loved ones with Aviva Protect what matters most What s the most precious thing in the world to you? There s really only one answer to that the people who are

More information

Accommodation after stroke

Accommodation after stroke Stroke Helpline: 0303 3033 100 Website: stroke.org.uk Accommodation after stroke After a stroke, your current home may no longer be the best place for you to get the care and support you need, and you

More information

Voluntary Sector guidance for triaging clients with tax problems

Voluntary Sector guidance for triaging clients with tax problems Voluntary Sector guidance for triaging clients with tax problems What s changing? HMRC have closed their Enquiry Centres from the end of June 2014 as they believe a better, more targeted service can be

More information

Has the penny DR PPED? Our tenants attitudes towards money and the implications for welfare reform INANCIAL INCLUSION

Has the penny DR PPED? Our tenants attitudes towards money and the implications for welfare reform INANCIAL INCLUSION Has the penny DR PPED? Our tenants attitudes towards money and the implications for welfare reform INANCIAL INCLUSION Contents Foreword from Mark Rogers, Group Chief Executive 4 Executive Summary 5 The

More information

GOOD DOES YOU. GOOD A pocket guide to helping others

GOOD DOES YOU. GOOD A pocket guide to helping others DOING GOOD DOES YOU GOOD A pocket guide to helping others Contents 02 Introduction 03 What is altruism? 04 What are the health benefits? 08 Things to consider before you start 10 What you can do 18 Doing

More information

Impact report 2013-15. Leonard Cheshire Disability in partnership with Bank Workers Charity

Impact report 2013-15. Leonard Cheshire Disability in partnership with Bank Workers Charity Impact report 2013-15 Leonard Cheshire Disability in partnership with Bank Workers Charity About the partnership between Leonard Cheshire Disability and BWC Since 2009 Leonard Cheshire Disability has worked

More information

Welcome to Norfolk Avenue

Welcome to Norfolk Avenue Welcome to Norfolk Avenue Norfolk Avenue is a five bed bungalow in an ideal location in the village of Glencaple, near Dumfries. Property details The attractive home is designed to offer people with physical

More information

Staying Mentally Healthy Following Redundancy

Staying Mentally Healthy Following Redundancy Staying Mentally Healthy Following Redundancy Staying Mentally Healthy Following Redundancy It is recognised that being made redundant is likely to be in the top ten most stressful events that can happen

More information

A leaflet about death, bereavement and grief for young people

A leaflet about death, bereavement and grief for young people A leaflet about death, bereavement and grief for young people www.rd4u.org.uk What is bereavement? Bereavement simply means losing someone through death. It could be one of your parents, grandparents,

More information

Spirituality and religion at the end of life. Palliative Care, End of Life Care and Bereavement

Spirituality and religion at the end of life. Palliative Care, End of Life Care and Bereavement Spirituality and religion at the end of life Palliative Care, End of Life Care and Bereavement This booklet uses easy words and pictures to help you get the information you need about cancer. You might

More information

Whatever s special about your family life, make sure you protect it

Whatever s special about your family life, make sure you protect it Whatever s special about your family life, make sure you protect it Your family is special, so make sure you protect it When something awful happens, it feels like normal life stops. But, even for a family

More information

Benefits and tax credits if you work 16 or more hours a week

Benefits and tax credits if you work 16 or more hours a week Formed from the merger of the National Council for One Parent Families and Gingerbread Factsheet For single parents in England and Wales July 2011 Freephone 0808 802 0925 Gingerbread Single Parent Helpline

More information

Your guide to cancer services in the North London area

Your guide to cancer services in the North London area Your guide to cancer services in the North London area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in your

More information

Protecting your business protecting you. Why do I need business protection?

Protecting your business protecting you. Why do I need business protection? Protecting your business protecting you Why do I need business protection? As a business owner you know what you need to make your business a success. Suitable premises, machinery or tools, and your computer

More information

Banking made clear. Information pack for people with learning disabilities.

Banking made clear. Information pack for people with learning disabilities. Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your

More information

Banking made clear. Information pack for people with learning disabilities.

Banking made clear. Information pack for people with learning disabilities. Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your

More information

Dealing with Existing Debts Getting Your House in Order Do You Have to Pay All Your Debts?

Dealing with Existing Debts Getting Your House in Order Do You Have to Pay All Your Debts? Dealing with Existing Debts Debt is an important issue for people living with schizophrenia. Without a doubt debt will increase the amount of stress and anxiety that you are under and if you do not take

More information

AL amyoidosis Infosheet

AL amyoidosis Infosheet AL amyoidosis Infosheet Myeloma UK Broughton House 31 Dunedin Street Edinburgh EH7 4JG Tel: 0131 557 3332 Fax: 0131 557 9785 Myeloma UK Infoline 0800 980 3332 www.myeloma.org.uk/ amyloidosis Charity no.

More information

Housing Benefit and Council Tax Reduction Change of Address form.

Housing Benefit and Council Tax Reduction Change of Address form. Housing Benefit and Council Tax Reduction Change of Address form. Name Address Don t delay claim today! Please return this form as quickly as possible, even if you do not have everything we ask for. You

More information

A Small guide to some Insurance products that you have heard of, but, not sure what they mean!

A Small guide to some Insurance products that you have heard of, but, not sure what they mean! A Small guide to some Insurance products that you have heard of, but, not sure what they mean! Helping you to understand Insurance Please find our guide to some Insurance Products which we know you have

More information

Our House. How to place a property in trust for someone with a learning disability. Trust Company

Our House. How to place a property in trust for someone with a learning disability. Trust Company Our House How to place a property in trust for someone with a learning disability Trust Company Mencap Trust Company Limited and Golden Lane Housing are working together to provide a service that helps

More information

Leave a gift in your will. Create a brighter future for the next generation. For a future without poverty

Leave a gift in your will. Create a brighter future for the next generation. For a future without poverty Leave a gift in your will Create a brighter future for the next generation For a future without poverty Contents Leave a lasting legacy 4 Why leave a gift in your will? 5 Why having a will is important

More information

The Debt Elimination Roadmap

The Debt Elimination Roadmap The Debt Elimination Roadmap Thank you for taking advantage of this special offer and taking a serious look at your current financial situation. What you ll find, over time, is that you re now involved

More information

Life with MS: Mastering Relationships with Family and Friends

Life with MS: Mastering Relationships with Family and Friends Life with MS: Mastering Relationships with Family and Friends Getting the Support You Need The bonds we have with friends and family are linked to our happiness and well-being. They bring us joy during

More information

What happens if we ve paid you too much tax credits

What happens if we ve paid you too much tax credits What happens if we ve paid you too much tax credits Code of Practice COP26 Contents Introduction 1 Mandatory reconsideration 1 When you should dispute an overpayment 2 How we work out the amount of your

More information

Nurse Care & Equipment Services

Nurse Care & Equipment Services Nurse Care & Equipment Services The loan of efficiently supplied, effective equipment providing immediate support for terminally ill children - those who just can t wait! Newlife Nurse Newlife gave us

More information

You can find up to date information on GOV.UK. This leaflet is no longer current. Having a baby. April 2014

You can find up to date information on GOV.UK. This leaflet is no longer current. Having a baby. April 2014 Having a baby April 2014 Introduction This leaflet is for parents who are expecting or have recently had a baby, or who are adopting a baby or young child. You should find it useful if this is your first

More information

This factsheet provides information on how to increase your income, and explains the different categories of debt and how to manage them.

This factsheet provides information on how to increase your income, and explains the different categories of debt and how to manage them. Factsheet 75 November 2009 Debt management About this factsheet Many older people get into debt because their income drops sharply once they reach retirement due to inadequate pension provision. They may

More information

Get to know your options for protecting yourself and your family

Get to know your options for protecting yourself and your family Get to know your options for protecting yourself and your family LifeProtect Guide Allow us to introduce ourselves. We are Zurich. We are part of a global insurance group with Swiss roots. We are one of

More information

Cambridge English: ESOL Skills for Life Speaking and Listening Level 1 Sample Test C

Cambridge English: ESOL Skills for Life Speaking and Listening Level 1 Sample Test C Cambridge English: ESOL Skills for Life Speaking and Listening Level 1 Sample Test C Please note: With the exception of the task cards in Phases 1b and 2b, this sample test frame will be used only by the

More information

Information for employers. Helping a bereaved parent return to work

Information for employers. Helping a bereaved parent return to work Information for employers Helping a bereaved parent return to work 1 Third edition, Sands 2013 Sands 2013 No part of this booklet may be reproduced in whole or part, in any form or by any electronic or

More information

waterloo Exclusively for residents of Waterloo Housing Group Your guide to great savings on your shopping

waterloo Exclusively for residents of Waterloo Housing Group Your guide to great savings on your shopping waterloo rewards Exclusively for residents of Waterloo Housing Group Your guide to great savings on your shopping Powered by 2 3 Helping you to shop, not drop My Waterloo Rewards is a special savings and

More information

DO YOU EVER FEEL DEPRESSED?

DO YOU EVER FEEL DEPRESSED? DO YOU EVER FEEL DEPRESSED? WE ALL HAVE TO DEAL WITH DIFFERENT KINDS OF FEELINGS AND EMOTIONS SOMETIMES WE FEEL HAPPY AND EXCITED AT OTHER TIMES, WE LL FEEL SAD AND DOWN There are lots of things that might

More information

WOMEN AND RISK MADE SIMPLE

WOMEN AND RISK MADE SIMPLE WOMEN AND RISK MADE SIMPLE Working with the profession to simplify the language of insurance UNDERSTANDING WOMEN AND RISK Risk is part of life. At home, at work, on the road, on holiday, you re at risk

More information

Simple Guide to Life Insurance for Parents

Simple Guide to Life Insurance for Parents Simple Guide to Life Insurance for Parents INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges

More information

Thank you for supporting us!

Thank you for supporting us! From the moment I contacted Bowel Cancer UK, right up until the day of my event, the support and enthusiasm given by the team helped me achieve my fundraising target and aim of supporting such an important

More information

Mesothelioma. Personal Legal Services

Mesothelioma. Personal Legal Services Mesothelioma Personal Legal Services This information relates to the law and procedures in England and Wales. Please contact us if you need advice about the law and procedure in other legal jurisdictions.

More information

Your retirement income. Exploring your options

Your retirement income. Exploring your options Your retirement income Exploring your options Contents 02 What do you want to do with your pension fund? 07 A regular retirement income for the rest of your life 10 A flexible income from a Self Invested

More information

Communication Choices

Communication Choices Communication Choices Dealing with unwanted calls on your BT line Call control Peace of mind bt.com/unwantedcalls Contents Dealing with unwanted phone calls... 3 Marketing and sales calls... 4 Silent calls...

More information

This brochure suggests some strategies for helping someone you know who is living with a terminal condition. Understanding emotions and feelings

This brochure suggests some strategies for helping someone you know who is living with a terminal condition. Understanding emotions and feelings This brochure suggests some strategies for helping someone you know who is living with a terminal condition. Finding out that someone you know a relative, acquaintance, workmate, or friend - is going to

More information

A guide for prospective registrants and admissions staff. A disabled person s guide to becoming a health professional

A guide for prospective registrants and admissions staff. A disabled person s guide to becoming a health professional A guide for prospective registrants and admissions staff A disabled person s guide to becoming a health professional Contents Who is this document for? 1 About the structure of this document 1 Section

More information

Who we are and what we do

Who we are and what we do Who we are and what we do What care do you provide? St Joseph s Hospice offers care to people living in North and East London. Our services include nursing and medical care, emotional support, practical

More information

Buying on Hire Purchase

Buying on Hire Purchase Buying on Hire Purchase A Guide for Consumers The information in this booklet applies only to contracts entered into BEFORE 1 April 2005. For contracts entered into on or after 1 April 2005, see our booklet

More information