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Chris Grover - The Social Fund 20 Years On: Historical and Policy Aspects of Loaning Social Security

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Chris Grover The Social Fund 20 Years On: Historical and Policy Aspects of Loaning Social Security
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In 2008 the Social Fund had been in operation for 20 years. This has provided a timely opportunity to not only critically reflect upon its introduction in 1988 and its operation in the past two decades, but also to place it within its historical context. There is a particular need to engage with the argument that was made in the 1980s that relieving need by way of loan was new in social security policy. In this groundbreaking study, Chris Grover provides the reader with evidence that this is not the case by locating Social Fund loans in a lengthy history of debate about, and practice in, loaning poor relief and social security. Using primary data hitherto unused in social policy research, Grover shows that there is a long history embedded in British systems of poor relief of authorities having the power to loan applicants either cash that had to be repaid or providing food and items, the value of which then had to be repaid. Understanding this history will give a greater depth to our understanding of the states purposes in relieving the financial needs of the poorest people as well as to our knowledge of contemporary social security policy.

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THE SOCIAL FUND 20 YEARS ON
For Karen
The Social Fund 20 Years On
Historical and Policy Aspects of Loaning Social Security
CHRIS GROVER
Lancaster University, UK
First published 2011 by Ashgate Publishing Published 2016 by Routledge 2 Park - photo 1
First published 2011 by Ashgate Publishing
Published 2016 by Routledge
2 Park Square, Milton Park, Abingdon, Oxon OX14 4RN
711 Third Avenue, New York, NY 10017, USA
Routledge is an imprint of the Taylor & Francis Group, an informa business
Copyright Chris Grover 2011
Chris Grover has asserted his right under the Copyright, Designs and Patents Act, 1988, to be identified as the author of this work.
All rights reserved. No part of this book may be reprinted or reproduced or utilised in any form or by any electronic, mechanical, or other means, now known or hereafter invented, including photocopying and recording, or in any information storage or retrieval system, without permission in writing from the publishers.
Notice:
Product or corporate names may be trademarks or registered trademarks, and are used only for identification and explanation without intent to infringe.
British Library Cataloguing in Publication Data
Grover, Chris, 1967
The Social Fund 20 years on : historical and policy aspects of loaning social security.
1. Social security--Great Britain. 2. Social security--Great Britain--History. 3. Economic assistance, Domestic--Great Britain. 4. Government lending--Great Britain.
I. Title
362.5820941-dc22
Library of Congress Cataloging-in-Publication Data
Grover, Chris, 1967-
The social fund 20 years on : historical and policy aspects of loaning social security / by Chris Grover.
p. cm.
Includes bibliographical references and index.
ISBN 978-0-7546-7866-3 (hbk)
1. Social security--Great Britain--History. 2. Public welfare--Great Britain--History. 3. Income maintenance programs--Great Britain--HIstory. I. Title.
HD7165.G764 2010
361.941--dc22
2010048847
ISBN 9780754678663 (hbk)
Contents
List of Tables
Acknowledgements
There are many people to whom I would like to extend my thanks. I have spent many days at various archives and would like to thank staff at them for helping to make the research process as painless as possible. I would also like to thank Dame Ann Bowtell and Jonathan Tross for helping me to get to grips with the Fowler Reviews of social security. There are many people at Lancaster University that, in various ways, made the book possible. The research upon which The Social Fund 20 Years On is based would not have been possible without funding from Lancaster Universitys small grant scheme. Thanks also to my colleagues in the Department of Applied Social Science at Lancaster University who covered my teaching and administrative duties during my sabbatical leave in 2009 when much of the book was written. Thanks to Linda Piggott of the Department of Applied Social Science, Lancaster University who read a draft manuscript and to John Stewart (formerly of the Department of Applied Social Science at Lancaster) for his thoughts on some of the early work upon which the book is based. The comments of the referee for the book proposal were also very helpful in sharpening its focus. However, responsibility for the books content and shortcomings rest solely with me. I would also like to thank Steve Bell for his permission to use a cartoon about the Social Fund from 1988 on the front cover of this book. Finally, I would like to thank my partner, Karen, for putting up with yet more piles of papers at home and for her love and support in all that I do.
Abbreviations
APR
Annual Percentage Rate
AR
Additional Requirement
BA
Benefits Agency
BDC
Benefit Delivery Centre
BERR
Department for Business Enterprise and Regulatory Reform
BL
Budgeting Loan
CAB
Citizens Advice Bureau
CABx
Citizens Advice Bureaux
CCG
Community Care Grant
CL
Crisis Loan
COS
Charity Organisation Society
CPAG
Child Poverty Action Group
CYPR
Children and Young People Review
DHSS
Department of Health and Social Security
DM
Decision Maker
DSS
Department of Social Security
DTI
Department for Trade and Industry
DWP
Department for Work and Pensions
ECA
Exceptional Circumstance Addition
ENP
Exceptional Needs Payment
ESA
Employment and Support Allowance
FACS
Family and Children Study
FC
Family Credit
FIS
Family Income Supplement
FPSC
Family Policy Studies Centre
FWA
Family Welfare Association
GLC
Greater London Council
HBR
Housing Benefit Review
HP
Hire Purchase
IMF
International Monetary Fund
IS
Income Support
JSA
Jobseekers Allowance
MP
Member of Parliament
NA
National Assistance
NAB
National Assistance Board
NACAB
National Association of Citizens Advice Bureaux
NAO
National Audit Office
NASS
National Asylum Support Service
NHS
National Health Service
NPI
New Policy Institute
PAT
Policy Action Team
PCS
Public and Commercial Services
RIL
Refugee Integration Loan
RPI
Retail Price Index
SB
Supplementary Benefit
SBC
Supplementary Benefits Commission
SBR
Supplementary Benefit Review
SCPS
Society of Civil and Public Servants
SF
Social Fund
SFO
Social Fund Officer
SP
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