Brokerage and Direct Payment for those with disabilities

Nancy Marlett

Independent Service Brokerage, winner of a Social Inventions Award, is a scheme developed by Heather MacLean, Nancy Marlett and others of the Calgary Association for Independent Living. It provides the help of a 'broker' intermediary and a small committee of family, friends and professionals, to enable those with disabilities to identify their own financial and other needs, which are then funded by the state. The disabled person is thus in charge, interviewing and selecting would-be helpers.

'The innovation consists of providing community support in the form of an independent agent - ie not paid by the government or the service providers - to help persons with exceptional needs secure and manage their own funds'

This article deals with the progress made in Alberta, Canada, in redressing the lack of power experienced by persons with disabilities and continuing health needs. The innovation consists of providing community support in the form of an independent agent - ie not paid by the government or the service providers - to help persons with exceptional needs secure and manage their own funds.

This concept marks the final step in the recognition of the rights of persons with continuing needs that started with the processes of de-institutionalisation and community care. It turns the user of services into a purchaser of services. It makes the service providers accountable to the person, not to an agency or to the government. It removes many of the barriers that make it impossible to become full citizens.

Many groups and sectors have been involved in making the innovation a reality. Yet, although it is being used by over 15,000 persons, there is no official policy in existence. The central impetus of the invention has been the working relationship of consumers (persons with disabilities) and government officials and the University of Calgary rehabilitation studies programme.

Such grass roots innovation may be easier in a country like Canada which has ten provinces able to experiment with concepts on a small scale. Although small scale innovation may be more difficult in Britain, there are an increasing number of instances where the funds needed to prevent unnecessary institutionalisation are given directly to the person or family to purchase the services needed. In the UK such direct payment exists as a well-kept secret. In the past four years, however, persons in Alberta have had access to a broker who can act as an independent agent able to work for the consumer in the process of securing and implementing direct payment.

The broker

The broker is the instrumental link between the person with a continuing exceptional need, the funding sources and the resources and services in the community. The broker advises and assists the person and his family or friends to identify the supports needed, secure the funding resources and to negotiate and set up customised services to the person's specifications.

This does not mean that the current method of providing services, where agencies are funded to provide services to a target group, will or should disappear. For those lucky enough to fit into group programmes or preferring to have agencies design and provide services, this alternative will continue. It does mean that there is an alternative for those who are not currently being adequately served by agencies and for those who are willing to assume the responsibility of managing their own services or supports.

The term 'broker' conveys a business connotation that makes some uneasy, and in reality the broker does encourage a small business approach to providing customised services for persons with disabilities and their families. A broker may be an increasingly important person as privatisation continues in Britain. With direct grants to seniors who require institutionalisation, the individual and the family can easily be lost in the rush to the market place.

There are two versions (with many variations within each) of personalised funding (funding allocated to the individual based on specific needs) that could work in the UK.


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Shirley's Story

I was just an ordinary woman - a mother, a wife, a hockey fan. Then I gradually lost control of my legs, my arms, and my physical strength, of my rights as a woman apart from my husband.

He and I would have had to separate in order for me to qualify financially for the help I needed to stay at home. We wouldn't get a divorce, so I had to go to an institution, where I lost control of all the little things that make life human - when and what to eat, shopping, someone to talk to in the early morning light.

Behind the walls that shut out my world I found others who shared my quiet anger and together we put our hopes into beliefs of independent living, of taking charge, of supporting each other and anyone else who shared our dreams.

Each one of us brings our strength. My outward stubbornness comes from an inner quiet and trust - that there is someone up there. He is a sculptor - when he takes away a little bit here he adds a little bit there, moulding and trying to make a better person. I just have to keep looking for the chances that his changes bring.

Now I'm taking charge and living on my own, in spite of your ideas that 'people like me' should be in institutions because it is 'efficient' - even though I can hire my own staff to live on my own for much less; in spite of your need to protect me, to see me as sick, to look after me when I want to look after myself; and my own feelings of guilt that I am causing those who love me pain and anxiety because of my need to risk, to be on my own, to be in control of my life.

'Now I'm taking charge and living on my own. I can hire my own staff to live on my own for much less'

I know about your fear that no one will be there to rescue me if something goes wrong. I know you want me to be safe and secure - to accept my disability.

I may need someone to do the things I can't. I may need to use machines more nowadays, but I've got it together, I've taken charge, done what I had to do. I'm still just an ordinary woman, living each day as it comes. I just wish I could physically reach out and touch someone.

Shirley Garth


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Individualised funding

(1) Individualised funding, where the funding is 'attached' to the person, but managed and monitored by a third party. Given the current system of grants through the DHSS and the need for local authorities to top up allocations to voluntary agencies to meet some clients' exceptional needs, it is conceivable that a brokerage model might be seen as a means of negotiating these extra funds so that the existing voluntary agencies or new services could provide the services.

It is also possible, given the Kent experience with community alternatives for persons with serious behavioural problems, and a number of private, non-profit-making schemes run by parents, that a model similar to the popular Community Living model in Canada may be feasible in Britain. In this the agency broker prepares funding estimates with the person or family and assists them to secure the funding from a central government source. The agency then works to provide services to the client as requested.

'The agency is accountable: if the person is not satisfied with the service provided, she can pull her money out and find another more satisfactory arrangement'

This model has the advantage of dual accountability - the agency is accountable to the government and the person for the quality of services. In theory if the person is not satisfied with the service provided, she can pull her money out and find another more satisfactory arrangement.

It is imperative within this community living model to establish an independent board of parents and hopefully consumers to monitor the services and be advocates on behalf of the person and families where they cannot do this for themselves.

Direct funding

(2) Direct Funding. In the other version, once the funding is negotiated, it is given directly to the person, family or person willing to assist. If individuals are able to manage on their own, they do so in the same manner that those with independent wealth have always done.

If individuals are not able or prepared to manage their services on their own, they have a number of options - they could hire an agency to provide the services for them (as is the case in privately funded special care), or they could have the broker (or volunteer committee of people they select) assist in setting up and monitoring services for them.

In Canada the role of supporting persons in their quest to establish their own lifestyle seems best suited to the emerging Independent Living Centres. The Calgary Association for Independent Living pioneered an exciting set of services to help disabled persons manage their own lives; including a computerised information bank of practical support that people may be looking for - from attendants, to people able to alter clothing. This data bank is run for their peers by persons with disabilities and provides the essential safety net for those willing to try to make a go of it on their own.

Joshua committees

The heart of the organisation is the peer support programme that puts people in touch with others that they can share ideas and time with. This support is essential for those who might otherwise be too timid to try living on their own. Joshua committees - so named because they are a means of people coming together to bring down the walls of oppression - consist of people that the person chooses to help them in their dreams. These committees have meant that even those with very complex medical or behavioural needs and those who are very handicapped in making decisions or making their needs known can have access to direct payment. The committees can take a lot of time to develop if the person has lost all contact with family and friends through being in an institution, but the results have been well worth the effort.

27 persons whose needs were considered too difficult to handle in the community made such dramatic improvements that many of us are now reconsidering whether agencies and institutions inadvertently create many of the problems that disappear when the person is listened to.

Centres for independent living

Britain also has centres run by disabled people that are there to help individuals take control over their lives. They are called Centres for Integrated Living (CIL) and two, one in Hampshire and the other in Derbyshire, are already offering a service similar in some ways to that of the Calgary Association for Independent Living. A broker could work for the CIL and would assist the person and his family to secure funds through the local authority. The Centres are the ideal community resource to assist the person to manage his own services. Hampshire has produced an excellent resource for managing services including securing funds, hiring staff, personnel management and accountability of funds.

'A broker could work to assist the person and his family to secure funds'

The British CILs face the same funding restrictions that similar Centres do in Canada. Because they do not offer hard services - eg housing and vocational services - they do not qualify for service dollars. Indeed in Canada, Centres avoid offering direct services because they would create conflicts of interest - not only assisting people to manage their own lives but providing the services.

These Centres support any person with a disability and therefore do not easily fit into the charity game that seems to prefer to fund simple causes - eg learning difficulties, the blind etc - they do not fit easily in the competition between specific disability groups for the most worthy of charity dollars. Most independent or integrated living Centres prefer to remain small, use volunteer effort, earn money or find new funding sources to make sure that they can act as advocates on behalf of the people they are supporting.

Given the current climate in Britain, it is quite conceivable that freelance service brokers could emerge who would act with or on behalf of the person to assist the family to secure funding, to locate or develop services, and could be available to help negotiate contracts or to assist the person or family to monitor services. In Canada there are freelance brokerage services emerging for persons with disabilities and for aged persons. To date, we have not solved the questions related to payments for freelance brokers, but nevertheless a committed group are pioneering the options.

Nancy Marlett, 4th Floor, Education Tower, University of Calgary, 2500 University Drive, Calgary T2N 2N4, Canada (tel 403 284 7511). In the UK: c/o School of Education, Open University, Milton Keynes, MK7 6AA, Bucks (tel 0908 652649).


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