APPOINTEESHIPS

How we manage client money

ILBP manages client benefits and day-to-day finances in a way that is safe, transparent and fully focused on financial wellbeing.
Our approach helps vulnerable adults stay financially stable, ensures essential commitments are met, and gives professionals and families confidence that funds are being managed properly.

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The ILBP financial wellbeing model

Our service is designed around maximising income, protecting the client’s money, keeping bills under control, and making sure every individual has access to regular personal spending and savings.
APPOINTEESHIPS

How we manage client money — in practice

A clear, repeatable process that protects clients, prevents arrears and makes sure money is used in their best interests.
Step 01

Benefit maximisation & full financial picture

Reach out to the client and (where relevant) their support provider to confirm regular outgoings.
Confirm what income is currently in payment (DWP benefits, pensions and other sources).
Liaise with the DWP to ensure all benefits are in place and being paid correctly.
Apply for new benefits where required and request uplifts if the client is on the wrong rate.
Make sure the client receives the right income.
Step 02

Weekly personal money for shopping & activities

As soon as DWP income is received, we prioritise the client’s personal funds first.
Agree typical weekly spending with the client (food shop primarily) and any activities they enjoy.
Clients can request additional funds for emergencies & personal well-being choices.
Pay to a prepaid card, the client’s private account, or to the care home (residential placements).
Clients have regular access to personal funds.
Step 03

Bills, providers & council updates

Use our DWP authority to speak with utilities, landlords, providers and (where needed) debt companies.
Update all local authority, bill and provider bank details so payments come from the correct client account.
Request statements to confirm usage, current balances, any arrears and projected costs.
Check tariffs/rates and add clients to priority registers where appropriate.
Keep essential services stable and affordable.
Step 04

Arrears prevention & payment plans

Identify arrears and projected costs using statements and usage information.
Set up direct debits and negotiate payment plans to prevent debt escalating.
Apply discounts (e.g., WaterSure) and ensure council tax banding/exemptions are correct.
Work with Financial Assessment teams so care charges are accurate and include DRE (incl. ILBP fee where applicable).
Reduce risk of debt and disputes.
Step 05

Weekly saving for resilience

Ensure every client saves each week to reduce financial stress and improve stability.
Build a buffer for emergencies, additional requirements, birthdays, Christmas and one-off requests.
Maintain a sensible savings threshold for each client so support is available when needed.
Review savings alongside budgets so saving remains realistic and sustainable.
A financial safety net for every client.
This process is supported by clear records, safeguarding checks and transparent reporting.

What makes ILBP different?

Our service goes beyond basic money management. We focus on reducing financial pressure on the vulnerable adult while also making the process easier for professionals, carers and families.

Client-first value

Usually zero cost to the client – Disability Related Expenditure applied for resulting in no charge to the vulnerable adult.
No ID required – including safeguarded pre-paid card.

Specialist support

Full utilisation of benefit entitlements – included in the service.
Personalised support – we can communicate directly with vulnerable adults.

Safeguards built into every client account

Account structure

Dedicated individual client accounts within our systems
FSCS protection for all adults funds
No additional bank account charges

Authorisation & checks

Internal approval thresholds for all spends
Verification of new payees and changes to details
Flags for unusual or unexpected transactions

FAQs

Common questions about how ILBP manages client money.
How is a client’s weekly personal money worked out?
We speak with the client and, where relevant, their support provider to understand typical weekly costs such as food shopping and activities. This helps us agree a realistic weekly personal allowance.
Can ILBP help reduce bills and maximise income?
Yes. We liaise with the DWP to ensure the client receives the correct benefits, apply for additional entitlements where appropriate, and review tariffs, discounts, exemptions and payment plans.
What happens if a client already has arrears?
We contact providers, obtain statements, assess the position and arrange payment plans where needed to prevent debt from escalating further.
Is money set aside for emergencies?
Yes. We aim to ensure every client saves each week so there is a buffer for emergencies, birthdays, Christmas and other additional needs.
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