Finances and Complex Mental Health Diagnosis

smalandcute

Hi all,

Earlier this year I was diagnosed with complex mental health needs and described as severely dysfunctional, not lack for trying my absolute best to muddle on through life.

I have started to sort out my finances and get on top of my debt.

I work full time and have applied for PIP (family friends work within adult social care and have confirmed my diagnosis means I meet the PIP criteria even though I work) and just waiting to hear back from them. The treatment I need the NHS doesn't cover so have to work to pay bills and try and fund some kind of treatment. 

Due to my mental health I am deemed vulnerable, is it worth me telling all the Financial institutions I have ac punts with? Would it affect my credit reports if they were made aware? Is there anyway of petitioning NHS etc to fund my treatment? I feel like they deem me a write off for my mental health even though I have done nothing wrong and am not a bad person.

Any other advise on what I should be doing to help myself financially?

Sandtree

On the NHS front it will somewhat depend on what your treatment plan is and why you are being told its not available locally. I've found the local CCGs I've dealt with to be fairly helpful but if they say they won't fund you can make an individual funding request to NHS England (assuming you are in England). If its for a drug thats just really expensive you may be lucky, if its for some left field homeopathy treatment using an illegal substance then your unlikely to win them over.

You can tell financial service companies you have mental health issues and/or you are vulnerable but you may want to be clear as to what you want them to do with this information. They need to consider your vulnerability in certain circumstances but then most people being passed to bad debt etc are assumed vulnerable due to their financial difficulties and so there may not be a large advantage unless you want to say, for example, all comms needs to be in writing because you are forgetful and so don't want telephone calls.

poppy12345

smalandcute said:

Hi all,

I work full time and have applied for PIP (family friends work within adult social care and have confirmed my diagnosis means I meet the PIP criteria even though I work)

This ^^ PIP has nothing to do with a diagnosis, it's how those conditions affect your ability to carry out daily activities based on the PIP descriptors.

wolfehouse

If you are in England the charity mind might be able to provide information and support abut funding of treatments.
https://www.mind.org.uk/donate/?gclid=EAIaIQobChMIlPjn4p6G8wIVsIBQBh2MewKoEAAYASAAEgK2pPD_BwE

DisablednProud

I second contacting Mind, they can provide you with free therapy that is paid for by the charity. The NHS will just run you around in circles, from experience, and these charities are more efficient way of getting the help you need.

born_again

smalandcute said:

Hi all,

Earlier this year I was diagnosed with complex mental health needs and described as severely dysfunctional, not lack for trying my absolute best to muddle on through life.

I have started to sort out my finances and get on top of my debt.

I work full time and have applied for PIP (family friends work within adult social care and have confirmed my diagnosis means I meet the PIP criteria even though I work) and just waiting to hear back from them. The treatment I need the NHS doesn't cover so have to work to pay bills and try and fund some kind of treatment. 

Due to my mental health I am deemed vulnerable, is it worth me telling all the Financial institutions I have ac punts with? Would it affect my credit reports if they were made aware? Is there anyway of petitioning NHS etc to fund my treatment? I feel like they deem me a write off for my mental health even though I have done nothing wrong and am not a bad person.

Any other advise on what I should be doing to help myself financially?

From a banking perspective. Yes, do tell your banks. It means they will keep a closer eye on your account. 
NO it will not affect your credit score, which is meaningless to any lender as they do not see it. It is only used by the credit co's to try to sell you stuff.