Webinar: Surviving the Lockdown – an Almshouse Toolkit

Webinar: Surviving the Lockdown – an Almshouse Toolkit
Date: Wednesday 6 May 2pm-3pm
Cost: Free of Charge

Stone King LLP and The Trust Partnership have significant experience of working with almshouses. Following two focus group sessions with almshouse providers, you are invited to a programme of two seminars aimed at providing almshouses with practical tips on how to deal with the current COVID-19 pandemic and the issues that it is raising.

In the first part, Tim Rutherford (Head of the Charity & Social Enterprise Group at Stone King) and Elizabeth Fathi (Almshouse Association Chaire and Director of Almshouses at The Trust Partnership) will be presenting top tips and practical guidance on how to survive Lockdown addressing:

  • Governance – the virtual remote Trustee
  • Policies – putting into practice the policies from your drawer
  • Finances – how to manage fluctuations in WMC and investment income
  • Operational – “business as usual”, but how? 
  • Independent Living in a Lockdown universe – a Trustee’s responsibility?

There will be time allotted for questions to be submitted by viewers.  Whilst we cannot promise to cover everything, if you have any questions you wish to submit in advance, then please do email events@stoneking.co.uk with your question.

Stone King LLP will be following up with a second seminar at a later date looking at ensuring a sustainable future after Lockdown (details to follow).

Posted 4 May 2020


MPs respond to Association

During this coronavirus pandemic, The Almshouse Association has been proactive in ensuring that the concerns, needs and wishes of almshouse charities are heard and understood by policy makers in Westminster and beyond.

We have corresponded with ministers and MPs with targeted approaches to those in positions of influence on the frontbenches in Westminster and in the devolved powers.

This approach has produced a positive initial response, with a number of politicians responding to our communications either directly, to their local almshouse or raising the issues with other ministers. Those responding include The Minister of Health, Edward Argar, The Welsh Health Minister, Vaughan Gething and the Shadow Chancellor, Annalise Dodds, who has pledged to apply pressure onto government on our behalf.

Our message on your behalf is getting through and is being heard. We need to keep up the pressure to make sure actions follows.

We will keep you updated.

Posted 30 April 2020


CEO Message 29.04.20

Dear Members

I am not sure what is more astonishing – the strange state of the world today or the way that we have all adapted so quickly and created a ‘new norm’.

Stories of growing community relationships and the tireless, dedicated work of trustees and staff are proving invaluable, and many almshouses are finding they now have a manageable “normal” with great positive spirit amongst staff and residents. I can sense, though, that it is getting harder to hold onto as the weeks tick by. 
 
The immediate lack of PPE and testing is a big concern for some, whilst financial, mental health and relationship issues are priorities for others. This period of lockdown is putting trustees, staff and residents alike through a testing time, but we are beginning to see increasing enquiries about completely non-Covid related issues – maintenance, safety checks, new buildings, fund raising, extending, refurbishing, mergers etc.  In short, the old business of running an almshouse is slowly returning.
 
We are working hard to get recognition for our members in terms of appropriate equipment and support. We have been encouraged by the response of some MPs and ministers but we have a way to go. We continue to update our online information regularly and have added 3 new short online training courses to our website – Legionella Awareness, Health and Safety Basics and Essentials and Fire Awareness. We are also exploring other ways of supporting trustees for when we start to get back to ‘normalish’.
 
Your flexibility, resilience and innovation in running your charities is becoming obvious as the time goes on as you explore new ways to keep your residents positive under such trying conditions. As the rest of the world starts to open up, lets hope we are not far behind. Until then, however hard it is, if it is possible for us to do so, it seems that the most important thing we can do is stay positive, stay home and stay safe – just a bit longer.
 
Do continue to contact us by email or phone. We are here to help. 

Best regards

Nick Phillips
CEO | The Almshouse Association

Posted 29 April 2020


New online courses available

The Almshouse Association is pleased to announce that we have added three new online training courses to our website course library.

With many of us are working from home, you may find you now have the time to take one or more of the courses on offer. Most are no more than 30-40 minutes long, are CPD accredited and you can download a certificate on completion.

All member charities have been issued with 6 credits per charity ( please do let us know if your need more). Each course uses one credit.

By clicking into the links below, you will be taken directly through to the course pages where you just need to follow the instructions.

Legionella AwarenessNEW

Health and Safety Basics and Essentials – NEW

Fire Awareness – NEW

GDPR Essentials

Safeguarding Vulnerable Adults

Mental Health Awareness

If you have any problems accessing, please do give us a call on 01344 452922 or email us at almshousesupport@almshouses.org

Posted 29 April 2020


M&G Fund update

M&G Charity Multi Asset Fund – Investment update in the wake of Covid-19

Sadly, the pandemic crisis has sent global stock markets sharply in to reverse.  This, coupled with a badly timed spat between Russia and Saudi Arabia that has caused a severe drop in the Oil Price, has also had knock-on effects on other markets, such as bonds, currencies and commodities.  However,  it is important to stress that this does not threaten either liquidity or provision of income from the fund; a 20%+ fall in capital does not automatically result in a similar hit on income, as many investors tend to assume.

While there will undoubtedly be a near term impact on earnings and distributions for corporations, the manager’s sense was that moves in March bore the hallmarks of ‘episodic’ behaviour: panic, and a focus on short-term price rather than long-term returns, which manifested themselves in rapid and correlated declines across most assets.

These price moves offered the opportunity for longer term investors to gain exposure to assets at compelling prices. The fund’s response was to add to equity positions and particularly areas with a ‘quality’ bias via the M&G Global Select and Positive Impact Funds. These new additions to the portfolio are funds which focus on companies with strong balance sheets and, in the latter case, offer solutions for long-term social and environmental challenges. In the near term, these should be somewhat more resilient to disruptions caused by economic lockdown.

We can expect to see deeply negative economic data being released over the next few months, including very scary unemployment numbers. The question is whether these numbers hold any information about the long term or are simply a reflection of a short term, self-imposed pause in activity. Policy makers around the world have taken a range of measures to support households, companies, and markets, often looking beyond the traditional emphasis upon interest rates. At the same time, recent data out of China is suggestive of a potentially rapid return to growth. That said, it seems likely that there are areas within economies that will never recover, and we do not know whether nations will face ‘second waves’ of outbreaks as is already being feared in Asia, or how far different policy responses in the initial phase will lead to differences in outcome over the longer term. More importantly for investors, how markets respond to developments is equally uncertain.

It is in just such emotionally challenging situations that the value of having a clear framework for dealing with uncertainty is necessary. The events so far in 2020 have shown yet again that seeking to gain an information edge in forecasting fundamentals is a dangerous approach. This is why our experience of managing multi asset strategies has reinforced our faith in adopting a reactive approach; seeking to capture the opportunities created when behavioural volatility does emerge.

In summary, our firm view is that the best opportunities for return today involve tolerating some additional volatility relative to our benchmark* (via higher equity exposure) and demonstrate the extreme rise we have witnessed in general asset volatility.  During the first quarter of 2020, The M&G Charity Multi Asset Fund posted a total return of -21.9%; we recognise how uneasy this has made investors feel.  However, this should be set in proper context; we have lagged our published market benchmark* (-16.3%) during the quarter, but this is largely accounted for by our higher relative weighting in global equities; we have succeeded in offering some relative protection when compared to the UK market over this period; the FTSE All-Share Index return for Q1 was -28.2%. 

Finally, for those investors keen to seek reassurance on the income outlook, we are pleased to report that at this stage we foresee no reason why the fund cannot maintain the same level of income in 2020/21 as we delivered last year.  At present valuations, the fund’s yield is now approaching 5.0%; this is attractive both for those seeking a strong income cashflow, and as a significant contribution to future total return.

If you have any further questions regarding performance and portfolio positioning on the M&G Charity Multi Asset Fund, please contact Richard Macey, Director of Charities, on 020 3977 3623, or via email at charities@mandg.co.uk

* Blended market benchmark is a representative composite mix of :- 45% FTSE All Share Index (UK equities), 30% MSCI AC World Index (global equities), 12.5% FTSE All Stocks Gilts Index (UK Gilts), and 12.5% BAML Non-Gilt Investment Grade Index (corporate bonds).

—Richard Macey, Director of Charities | M&G Investments

Posted 21 April 2020


CEO Message 16.04.20

Dear Members

It is looking likely that we will all be facing a further three week “lock-down” and I don’t know if you feel the same, but I am astonished that it has only been three weeks so far …. it seems a lot longer. It appears we have quickly come to deal with the constraints and created our own “normal” way of working. I am aware that for many members a further three week period will become increasingly hard to cope with. Getting the delicate balance of protecting residents and respecting their independence means a lot of consultation and discussions and, as individuals, we all have our own interpretation.

I recently took part in a teleconference with the Regulator of Social Housing and was able to get a wider insight into the challenges that other small housing providers are experiencing. Along with our own members, some providers have residents that are older and vulnerable and they too are concerned that their organisation will miss out on either PPE or testing equipment when it becomes available. I wanted to assure you that the Association  is making the case to the Government for almshouses ( that need it) to be recognised and included so that they are able to access PPE and testing equipment,  along with any other support available to the sector. As reflected amongst our members, many small housing providers are trying to maintain their regular maintenance and safety checks where they can without putting residents at risk and there is a sense of trying to develop a ‘business as usual’  environment in a complicated world. It was clear that, along with our members, the threat remains, and systems for prevention are harder to maintain over the long term than to introduce.

I will update you on responses from Government and other partners. Our information updates regarding Covid-19 are reviewed daily for any changes in guidance, funding and support so do keep revisiting the website. From my conversations with trustees and Clerks it is clear that your patience, professionalism and care for residents is second to none and I know you will treat another three weeks lock down as another step in the road.

Do call us or email if there is anything specific we can help you with, even if it is to ask how others are dealing with a common issue. Do check our links on Covid-19 updates here.

Best regards

Nick Phillips
CEO|Almshouse Association

Posted 16 April 2020 12.10pm


Key Decisions: Board Meeting 11 Mar 2020

Key Decisions made at the most recent Almshouse Association Board Meeting are posted on ‘Latest News’ on our website for all registered member charities to access.


At the Board Meeting held on 11th March 2020 at the NCVO in London, the following Key Decisions were made:

  1. Delegated authority was given to NP to cancel or continue events based on evidence at the time.
  2. The Board approved/adopted the Annual Accounts for 2019 and the Annual Report subject to minor amendments discussed.  The Board approved the letter of representation to Buzzacotts.
  3. Delegated authority was given to board members to register the name change from ’The National Association of Almshouses’ to ‘The Almshouse Association’ with the Charity Commission in advance of the filing with Companies House.
  4. Authority was given to recruit regional champions for 9 months and to roll out nationally in 2021.
  5. The new branding and logo was approved and endorsed by the Board. Roll out timing as CEO sees fit.
  6. Following demand for loans and grants exceeding funds budgeted the Board approved an increase in the budget available to provide restricted funds for the provision of loans up to £1,000,000 and grants up to £250,000 for 2020.

A record of all Key Decisions made at Board Meetings (from June 18 onwards) can be found in ‘Current Issues’.

Posted 14 April 2020


In the event of the death of a resident

What to do if one of your residents dies

Unfortunately, with the outbreak of coronavirus, you may find yourself having to deal with the death of a resident. We have summarised the information in Standards of Almshouse Management and Support and Care to guide you through what to do in this situation.  

Please note: This guidance was published on 7 April 2020

When a Resident Dies

When a resident dies, it is the next-of-kin who is responsible for dealing with all the affairs associated with the death unless the death is intestate (there is no next of kin).

If the death is intestate, it would need to be referred to the local Social Services office who will deal with all the issues: funeral, financial, wills and clearance of the flat, subject to funds in the estate.

On death, the legal title to all of the resident’s property passes automatically to their personal representative(s), meaning their executor if they made a will, or their administrator under the law on intestacy if they died without a will.

Notifying and Registering the Death

The GP has to be informed immediately when a resident dies in the accomodation whether suddenly or following a period of illness or palliative care.  The GP will certify the death and provide the appropriate death certificate and, where specified, a cremation form. If there is any doubt about the cause of death, the GP may summon the Coroner’s Officer to investigate before issuing a death certificate. If it is not possible for the certificate to be issued immediately, the next of kin will need to collect the certificate from the surgery.

If the charity is a registered or nursing care provider, the Registration Authority needs to be informed of the death, including time, date and cause of death and any referral to the Coroner.

The next of kin should be informed as soon as possible if they were not present at the time of the death.

The death has to be registered by the next of kin with the local Registrar within five days, see link:

https://www.which.co.uk/later-life-care/end-of-life/what-to-do-when-someone-dies/registering-a-death-akmbc3g27psq?gclid=EAIaIQobChMIha2Yk96h6AIViK3tCh0jmgUXEAAYAiAAEgJhEvD_BwE

The charity may also have its own internal procedure for informing the Trustees or the Clerk/Chief Executive. 

Advising Staff and Other Residents

There should be a system in place to notify staff, volunteers, as well as other residents, when a resident dies. 

If you believe the resident died as a result of coronavirus, you will need to contact your local health protection team to organise a deep clean of the property. You can find your local health protection team at:

www.gov.uk/health-protection-team

Clearing an Almshouse Dwelling of Personal Possessions

Usually the licence for a deceased resident officially ends when the keys have been returned and the dwelling is cleared of all possessions. Until such time, the WMC and heating charge is still charged to the deceased resident’s estate. The Trustees may wish to reconsider this during the Covid-19 outbreak and one option may be to freeze the WMC at the time of death and review it once it is safe for the dwelling to be cleared. Alternatively, trustees may opt to defer this altogether and carry this as a void loss.

The dwelling should remain locked until the ‘executor’ is able to remove the personal possessions, clear the flat of all furniture and hand over the keys.  By ‘executor’, it is meant the next of kin or if the resident died without a valid will, their administrator as appointed under the rules on intestacy.

Any information held by the charity in relation to the resident’s pensions, benefits should be passed over to the executor/administrator to assist them in winding up the deceased resident’s affairs. The charity will find it useful to note the details of the executor/administrator or family members involved should there be a need to contact them in the future.

Once the government lockdown restrictions have been lifted, it is reasonable for a charity to ask that the accommodation be cleared of personal possessions within one month and all outstanding arrears, WMC & heating charge, be paid out of any money that is left in the estate.

If access is required to the accommodation prior to the keys being handed over, for example emergency repair, it is advisable that two people (trustees or staff) should enter the property and a photo inventory is taken to safe guard the charity against allegations of theft. The executor/administrator should also be informed of the entry: the names of the two trustees/staff who entered the accommodation, the time, date and the reason for the entry.

Where a resident’s death is intestate and following social services involvement, confirming that there are no funds in the estate to pay for the accommodation to be cleared, the charity will have to undertake this task at its own expense.

Who else to inform

The charity should inform the local authority in order to claim exemption from paying the council tax on the vacant flat for up to 6 months – Class B of the Council Tax (exempt dwellings) Order 1992; the benefits agency; other community organisations that the resident may have been involved with and remind the executer/administrator to inform the utility companies and instruct the post office for mail redirection.

For Further Information

Cruse Bereavement Carewww.crusebereavementcare.org.uk

NHShttps://www.nhs.uk/conditions/stress-anxiety-depression/coping-with-bereavement/

Hospice Information Service at St Christopher’s: www.stchristophers.org.uk

Macmillan Nurses: www.macmillan.org.uk

Age UK https://www.ageuk.org.uk/information-advice/?gclid=EAIaIQobChMIsevSxfij6AIVB7DtCh2qawCWEAAYASAAEgJS3vD_BwE

Posted 7 April 2020 12:45


CEO Letter 2.4.20

Dear Members

I just wanted to check in with you all again before the week is out, remember, if you need to run something by us or just need to talk, please pick up the phone or send us an email – we are here to help.

We hope that our news updates are proving to be of some assistance to you, but if you need more guidance in a particular area, please tell us.

I know it is an old cliché but these unprecedented times seem to bring out the best in people. Maybe I’m just not seeing it, but thankfully, for now at least, I am witnessing very little of the worst in people.

This is such a difficult time for everyone, and being responsible for an almshouse community, where some of the residents could be more vulnerable to this particular virus, can make this time incredibly stressful. Trustees and staff are working so hard in such challenging circumstances to keep everyone safe and well.

We know many of our residents are affected by this virus either directly or indirectly and sadly we know some have succumbed to the virus just as in the wider population. Our thoughts are with their families, friends, trustees and almshouse communities at this terribly sad time.

Through our communications over the last week or so, I am struck by the strong connections that exist, not just within the almshouses but in the wider villages and towns. These connections and relationships are proving to be such a valuable lifeline in both practical and emotional support. Amongst the almshouse movement we often talk about the fact that our almshouses are mostly for independent living; ‘independent living’ – we see it as a very personal, physical or mental state – but who are we kidding? Few of us are truly independent and at times like this we are seeing how much we depend on each other.

I am hearing so many cases of how almshouse communities are supporting each other and of the local communities supporting the almshouse residents and trustees – some for the first time; young students offering to shop and fetch prescriptions for almshouse residents; local volunteer groups putting themselves forward to help in a variety of ways too, in support of the dedicated efforts of trustees, clerks and wardens. We are currently collating examples of your good practice and practical solutions that are helping to make life a bit easier for members and will be sharing these on our website shortly – there are so many.

We clearly have a long way to go before we see normality (whatever that will look like) again but if there is any good to come from this period, let’s hope people remember how much pleasure and fulfilment they felt from helping their neighbours and our almshouse communities, and long may these strong relationships be a legacy of this dreadful virus.

I will share a reflection of the independent living mentality of the almshouse world that I found thought-provoking. A member of the public I spoke to this week told me that the residents of an almshouse nearby had contacted him – putting a note through his door asking him that if he needed anything to let them know and they would find a way of helping – shopping, talking on the phone etc. Independent living maybe – but community living certainly!

Please share any good news with us as well – it means so much to us all to hear positive stories that raise the spirits and help put smiles on our faces.

Take care and stay safe. 

Nick Phillips
CEO|Almshouse Association

Posted 02 April 2020 12:21


Almshouse Representation to Government

The Almshouse Association has continued to engage government during the Coronavirus pandemic to highlight the issues impacting the almshouse movement.

This week The Almshouse Association has contacted levels of government to address a number of issues:

  • Essential workers – we have requested clarity as to who qualifies for ‘essential worker’ status.  A request has been made for almshouse employees to be considered as ‘essential workers’.
  • We have made an appeal for almshouse inclusion in any government support for landlords – whilst Government has made clear a desire to support landlords and tenants  financially through this crisis, it is not been clear who will be entitled to support or how they will be supported.  Clarity has been requested and a case has been put forward for almshouses to be considered within the support package if requested.
  • Universal Credit – Some of our member charities have received advice from DWP local offices detailing that charities are unable to provide financial assistance to residents below state pension age without impacting Universal Credit payments. This differs from the guidance issued 2013 (subsection 51413-51416). The Association is appealing for clarity from DWP to allow charities, who are able and wish to, to provide immediate cash support to their residents in need without this counting as an income against Universal Credit.

Posted 30 Mar 2020 ; updated 2 April 20