Case study

  • Date:
    February 2026
  • Category:
    Savings and capital

Example

C applied for a community care grant to replace soft furnishings in their home. C’s child had recently been diagnosed with a serious lung condition and had spent a month in hospital. C wanted to make the home as safe as possible before their child returned, as allergens had been identified as the trigger for the condition.

The council declined the application because they assessed that C had savings above the £700 limit and therefore did not meet the qualifying criteria.

During the review we looked at the council’s file and spoke with C. C explained that they had been advised to replace all soft furnishings before their child came home. We contacted the child’s consultant to confirm the medical advice, which was for a professional deep clean, not the replacement of all items.

We also noted that C had already purchased some items before applying and had bought additional items before the council reached its decision.

We found that C did not have savings over the £700 limit, as the council’s calculation incorrectly included backdated benefits that should not have been counted. However, the medical advice did not support the need to replace all furnishings, and we did not consider there to be exceptional pressure that would justify the purchases or meet the qualifying criteria.

Therefore, we did not change the decision.

Feedback

The savings calculation incorrectly included backdated funds, which resulted in an inaccurate assessment of C’s available savings.

Updated: February 17, 2026