Who bears the risk burden of personal budgets?
Personal budgets give more choice and control to vulnerable people, but how far are individuals prepared for and protected against the risks of becoming an employer?
There are an estimated 120,000 people using direct payments but no figures for how many employ their own personal assistants and how many are insured against breaching employment legislation. In a guest post, Warren Dickson, managing director of insurance firm Fish, explains how the burden of risk is passing onto service users. "Every month our Employment Advice Line receives upwards of 900 calls from worrieddirect payment recipients, each with their own specific employment issue, to relate ... Without knowledge of their responsibilities under various discrimination, health, safety and myriad other employment laws, can it be safely assumed they will comply with them?