CWI Fund

The Armed Forces Covenant Trust suggested compiling tighter guidance on the conditions for consideration of CWI Fund grants. It was pointed out that other charities operating in our field have definite wealth ceilings above which they will not consider applications. Additionally many have caps on the number of applications, Time restrictions on repeat applications and actual limits to the value of the grants offered.

All these measures can, if applied in a sensitive responsible manner, ensure that the fund reaches more potential beneficiaries, more effectively than one operating with no restrictions. The Board of Trustees have considered the matter and have implemented the following measures to ensure the fund is better directed to those who need the support.

Wealth Cap

To assess ‘Wealth’ the NCCF will consider two factors: Available Funds & Planned Expenditure. Available Funds can be regarded as savings plus Disposable Income (what is left of total income each month after all bills have been paid) over a reasonable period. Planned Expenditure is effectively any ring-fencing of these available funds.

A calculation of wealth will be made using three months as a reasonable time in respect of Disposable Income plus savings. If an applicants wealth is in excess of a pre-determined amount + the cost of the provision; then the application would be refused on the grounds that it is easily within the financial gift of the applicant to fund the goods or services to address their suffering.

For 2019 the wealth cap has been set based on Government levels, this puts the wealth level at £6,000 for people below pension age and £10,000 for
those in receipt of an OAP. 

This is more generous than the Government levels because the NCCF allow savings to be ring fenced for expenses like funerals and property maintenance. 

Illustrated example:

Applicant A has £8000 of savings and a disposable income of £500 pcm. Thus their wealth level is £9500. As they are under retirement age, they are above the wealth cap. However, they require a wetroom installing to address access to bathing issues. The wetroom will cost £8,200. This means the cap on their wealth would be £6000+£8200 = £14,200. This is higher than their wealth level of £9,500 and they would receive the grant. 

If the same applicant requested a £150.00 rollator instead of a wetroom then the wealth cap would be £6000+£150 = £6150 so their wealth of £9500 means that they can easily afford to buy the rollator themselves.

The Board believe that this simple equation will ensure that funding is delivered to those who genuinely cannot afford it. 

Repeat Applications

Given the level of disclosure and the fact that a good number of applicants receive an Occupational Therapist assessment, it is reasonable to expect that measures identified on the application will address the issues suffered by the applicant for a considerable time.

On this basis, a restriction on further applications has been introduced for eighteen months. This prevents exposure to ‘drip feed claimants’. If an applicant’s circumstances change dramatically within the 18 month period, evidence of such a change could be supplied for consideration by the Panel and an exception made.

Reduction of Suffering

The ‘raison d’être’ for the CWI Fund is the reduction of suffering, this also leads to an increase in wellbeing. Identifying suffering is a very subjective exercise, something that may cause grief and anxiety in one person will not affect the next. When compiling Application Summary forms for the Grant Panel the Application Manager will attempt to identify and clarify the suffering that the application will address. The panel must be satisfied they have identified the element of suffering before making a grant. Where a degree of suffering cannot be identified the application will be refused and the refusal explained to the applicant.   

For advice or clarification on any matter relating to the CWI Fund please contact 0115 8883442 or

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Illustrated example correct at time of going to press.