Staying Put Policy

Where fostered children are living in the household, the checks and requirements associated with fostering legislation will apply and will provide a framework for safeguarding and checking arrangements for the whole household.

In these situations the carer must remain an approved foster carer and the Fostering Services (England) Regulations and Guidance will apply with the consequential requirements of supervision, review and safeguarding. Whilst the fostering legislation will primarily apply to the placements of the fostered children, it does ensure that a system of approval, checking and supervision is applied to the whole household.

Additionally, where foster children are in placement, the foster carers will need to be returned to the fostering panel due to a change in circumstances as the child/young person Staying Put will have reached adulthood and become an adult member of the fostering household.

Young people remaining in a foster care household at the age of eighteen will become adult members of the household and will require a valid Disclosure and Barring Service check in settings where a foster child or foster children are living. To ensure that the check (and possible subsequent risk assessment) is completed by the young person’s eighteenth birthday the process will need to commence in sufficient time.

From the age of eighteen, young people are no longer legally ‘in care’ or ‘looked after’, and therefore fostering arrangements and legislation relating to children placed with foster carers no longer apply. Whilst legislation relating to fostering will no longer apply (if no foster child remains in the household), key standards should continue to govern the expectations of the Staying Put arrangement. This should include:

• A system for considering if a person’s approval as a foster carer should be ended and for implementing the deregistration/termination process in circumstances where the foster carer is unlikely to be caring for any further foster children in the future;
• A system for reviewing and approving the Staying Put arrangement and carer/s to ensure that the arrangement complies with local authority expectations;
• Safeguarding and risk assessment checks on household members and in certain circumstances regular visitors;
• Health and safety requirements (as a minimum this should comply with landlord and licensee/tenant requirements);
• Regular supervision and support, possibly, from their fostering supervising social worker;
• Opportunities to attend appropriate training.

Local authorities will need to assess individual circumstances and consider the appropriateness of all of these checks where the Staying Put young person is the only person living with their carer/s and it is not envisaged that further foster children will be placed.

In circumstances where it is clear that the carer will not be fostering any further children, it may be deemed appropriate to terminate their approval as a foster carer. In situations where it is possible that they may foster again in the future, it would be inappropriate to terminate their approval; given the length of time that re-approval would take. Where a foster carer’s approval is terminated, the local authority will need to ensure that the Staying Put arrangement continues to meet appropriate standards.

Milton Keynes Children & Families Service is committed to ensuring Staying Put carers are provided with financial and practical support to enable young people to remain in a Staying Put arrangement. All Staying Put carers receive a standard weekly allowance. In order to assist the young adult to develop independence skills and also to subsidise the cost of Staying Put, the young adult is responsible for a weekly rent element of this allowance. As such the young adult is responsible for the payment of the rent element, which may be paid from earnings or via Housing Benefit from Milton Keynes Housing Benefit Department.

Depending on the level of need and circumstances of the young adult, a Staying Put enhancement payment may also be provided. The need for, and the level of the enhancement will be assessed using the standard Milton Keynes enhancement process and will depend on and take account of the following types of factors:

• Education, training and employment requirements;
• The level of the young adult’s vulnerability and any risk issues;
• The move-on pathway and accommodation options.

See Appendix Five for the Enhancement Grid and Framework - to follow.

From four weeks from the young adult’s 18th birthday the pocket money allowance, clothing allowance and personal allowances previously provided by the foster carer from the Fostering Maintenance Allowance should be replaced by the young adult’s earnings from employment, education allowances or welfare benefit claim.

Staying Put Enhancements

Depending on the needs of the young adult and subject to an assessment and an ‘Enhancements’ evaluation, an enhancement equivalent to 25%, 50%, 75% or 100% of the weekly Staying Put rate can be paid.

Staying Put General Allowances

From the young adult’s 18th birthday, Staying Put carers are no longer expected to provide pocket money, a clothing allowance or personal allowance elements. Young adults are expected to replace these via earnings, education allowances or a means tested benefit.

In order to create parity with other care leavers, fostering birthday and Christmas/festival allowances and access to the holiday allowances cease once a young adult reaches age 18 (the 18th birthday allowance is covered by the fostering policy). From the young adult’s 18th birthday these payment areas are covered by the Care Experienced Young People's Financial Policy.

Any additional funding or requirements relating to family contact, specific activities and health needs for individual young adults and “Staying Put” arrangements should be agreed from the Milton Keynes Transition to Adulthood (Corporate Parenting) Finance Policy and should be set out in the young adult’s Pathway Plan.

As set out above all young adults (from the age of 18) are required to claim a personal benefit, or, replace the clothing, pocket money and personal allowance element by earnings and also claim Housing Benefit to pay rent.

In situations where young adults are working, and do not claim a means tested personal benefit they will be expected to use their earnings to replace the pocket money allowance, clothing allowance etc and also claim housing benefit to pay rent. Earnings over the 18 to 24 year old Income Support rate, plus £5.00 per week will result in a reduction of housing benefit which will need to be made up by a contribution by the young adult.

Young adults living in foster care placements /Staying Put arrangements with sisters, brothers and certain extended family members who are formally approved as foster carers are not eligible to claim housing benefit on reaching the age of 18. In situations where a young adult is not eligible to claim Housing Benefit Milton Keynes Children & Families Service will pay the rent/accommodation element of the Staying Put arrangement. In situations where a young adult is not eligible to claim Housing Benefit, Milton Keynes Children and Families Service will pay the rent/accommodation element of the Staying Put arrangement. Young adults will be expected to pay their element of the rent if they are working (based on the housing benefit contributions scale).

All Housing Benefit should be paid directly to the Fostering Finance Budget.

5.2.1 Financial Requirements and Personal Benefits for Young People

Young adults remaining in a Staying Put arrangement can, and are expected to, use their earnings or claim a means tested benefit for their personal needs from their 18th birthday (from age 16, where applicable). These benefits replace the A) Pocket Money, B) Clothing Allowance and C) Personal Elements previously contained in the foster carers maintenance allowance (the rate of A, B, and C above, is equivalent to the Income Support, Jobseekers Allowance and basic Employment & Support Allowance rate for 18 to 24 year olds). All of the following benefits/allowances do not have any impact on the Staying Put carer’s welfare benefits, should they be claiming a means tested benefit. Young adults commencing Higher Education courses at any age are not eligible to claim means tested benefits, with the exception of certain lone parents and sick and disabled young people.

Disabled young people are able to claim Employment & Support Allowance (E&SA) from their 16th birthday therefore the pocket money allowance, clothing allowance and a personal allowance element (equivalent to the basic/assessment E&SA rate) will cease to be paid (from the Fostering Maintenance Allowance) to the foster carer when the young person receives their first E&SA payment.

Disabled young people can claim Disability Living Allowance (if under 16) or Personal Independence Payment (if 16 or over and not already on DLA). This is a non-means tested benefit and therefore has no impact on other benefits or the contribution that the young person or the local authority makes towards their rent. If the disability benefit is claimed, the Staying Put carer may be able to claim carer’s allowance.

Lone Parents can claim Income Support until their child is 5 years old, Healthy Start Vouchers and a Sure Start Maternity Grant 11 weeks before the due birth date (the Sure Start Maternity Grant is only provided once for the oldest or first child). From the birth of their baby they will also be eligible to claim Child Tax Credits and Child Benefit. (Eligible and Relevant lone parents aged 16 and 17 can also claim the above benefits, but only from the birth of their baby.

Young adults can claim Income Support under the ‘Relevant Education’ rules if they remain ‘estranged’ from their family and are undertaking a full time (over 12 hours) education or training course which is under the higher education level. Young adults can claim Income Support at any point prior to their 21st birthday and will continue to receive a payment until the end of the academic year following their 21st birthday, i.e. generally until July following their 21st birthday.

Jobseekers Allowance where young people are registered as unemployed and are actively seeking employment.

A disabled young person in education who gets both Employment and Support Allowance and Disability Living Allowance or a Personal Independence Payment may also be eligible to claim the 16-19 year old Bursary – see 16 to 19 education: financial support for students (GOV.UK) IS, JSA, E&SA and HB are means-tested. The capital limit for these benefits is normally £16,000, with savings over £6,000 meaning a reduction in benefits (2014-2015 rates). However, money held in a trust fund (including Court of Protection) arising from personal injury (e.g. Criminal Injury Compensation Awards) does not count as capital. Criminal Injuries Compensation Awards are only disregarded for the first 52 weeks following receipt of the award.

5.2.2 Section 23C Payments and Benefit Issues for Staying Put Carers

This section covers the rules regarding payments to Staying Put carer/s who are in receipt of a means tested benefit/s. National Insurance benefits are not affected by this income.

Payments from Children’s Services to young people under section 17, section 20, section 23, section 24 and section 31 (Children Act 1989) do not count as income for benefit purposes.

Where:

• A young person continues to reside with their former foster carer after their eighteenth birthday on a non-commercial and familial basis; and
• The child was Looked After immediately prior to their eighteenth birthday; and
• The payments are made by the local authority to the carer under section 23C of the Children Act 1989 (continuing functions in respect of former relevant children);
• Then the payments are disregarded in calculating the carers’ entitlement to means-tested benefits.

When a commercial arrangement is made, (i.e. any element of the cost of the arrangement comes from a source other than section 23C), the non-section 23C element will be taken into account in the calculation of the carer’s own means-tested benefit claim.

Additionally, the disregard is lost on the whole payment (section 23C and non-section 23C elements) when the young person first leaves the Staying Put arrangement, should the young person return to their former foster/Staying Put carer or move to another carer after their eighteenth birthday.

Payments made to the Staying Put carers from the Local Authority Children’s Services under section 23C of the Children Act 1989 via the young adult, or directly to the carer/s on behalf of the young adult, are disregarded when calculating the carer’s entitlement to means tested welfare benefits. The section 23C payment is disregarded in its entirety in circumstances where a young adult continues to live as a member of their former foster carer’s family. Where a young adult contributes to the arrangement and/or pays rent/claims housing benefit, this element is taken into account when calculating the impact on the Staying Put carer’s own welfare benefit claim. The section 23C element will always be disregarded when calculating the Staying Put carer’s welfare benefit entitlement.

Where a young adult pays rent from earnings or claims Housing Benefit to pay the rent, the payment is deemed a non-section 23C payments and will be counted as income under the ’Boarder’ rules. Under these rules the first £20.00 and 50% of the remainder is disregarded. For example, if a carer receives £205.00 per week in total for the Staying Put arrangement of which £135.00 is paid by the local authority under section 23C and £70.00 is paid by the young adult from housing benefit, the amount taken into account by the DWP will be £70.00. Of the £70.00, £20.00 and a further £25.00 (50% of the £50.00) is disregarded, therefore the carer will be deemed to have a £25.00 per week income from the ‘Boarder’ (Staying Put) arrangement and they will lose £25.00 of their Income Support, income based Jobseekers Allowance or income-related Employment and Support Allowance. (Example based on 2014-2015 rates).

In circumstances where the Staying Put carer is in receipt of Housing Benefit along with the above-mentioned benefits, the Housing Benefit is not affected. If the Staying Put carer is getting Housing Benefit but NOT getting another means-tested benefit, the £25.00 will count as income, and this will lead to a £16.25 per week reduction in Housing Benefit (a 65p per week reduction for every £1.00 of extra income). (Example based on 2014-2015 rates).

This arrangement would apply to each young adult if two or more young adults aged 18 or over remain in the placement.

In these situations where the Staying Put carer is in receipt of a means tested benefit, the young adult should still claim Housing Benefit, an amount equivalent to the carers DWP benefit reduction will be paid to them from section 23C. The section 23C compensatory payment will be disregarded in full by the DWP. In the above example a £25.00 or £16.25 per week compensatory section 23C payment will be made. (Example based on 2014-2015 rates).

Where the Staying Put carer is over the pension credit age (the pension credit entitlement age is rising from 60 to 65 between 2010-2020) and is in receipt of Pension Credit, more generous disregard rules regarding income from ‘Boarder Arrangements’ apply and should be explored.

In situations where a Staying Put carer is getting child tax credit or working tax credit, they should declare their ‘profit’ from providing a Staying Put arrangement. That profit may well be nil.

Early planning for, and identification of, the benefits and financial circumstances of individual carers is critical to ensuring that appropriate plans and arrangements are in place for both the carers and young adult. Given the complexity of making these arrangements, commencing planning these from the child’s 16th birthday should provide sufficient time to ensure the necessary arrangements and support are in place by their 18th birthday.

Payment Adjustments

Staying Put carers who are in receipt of a means tested benefit (Income Support, income related Jobseekers Allowance or Employment and Support Allowance will receive a Staying Put payment which will include a compensatory section 23C payment to cover the loss of a small amount of benefit, resulting from the young adult paying a weekly rent element. Staying Put carers who are in receipt of a means tested benefit (Housing Benefit only) will receive a Staying Put payment which will include a compensatory section 23C payment to cover the loss of a small amount of housing benefit, resulting from the young adult paying a weekly rent element.

There may be Housing Benefit implications as a result of Staying Put Arrangements. Housing Benefit is, however, being replaced by Universal Credit. Individual advice will therefore need to be obtained.

All young adults are expected to pay rent from their 18th birthday, either from earnings or by claiming Housing Benefit. Rent/Housing Benefit should be paid directly to the Milton Keynes Fostering budget and is used to cover the rent/accommodation element of the Staying Put arrangement.

Young adults living in kinship Staying Put placements with sisters, brothers and certain extended family members who are formally approved as foster carers are not eligible to claim housing benefit on reaching the age of 18. In situations where a young adult is not eligible to claim Housing Benefit, Milton Keynes Children and Families Service will pay the rent/accommodation element of the Staying Put arrangement. Young adults who are working remain liable for rent; Milton Keynes City Council would assess the young adult’s contribution based on the housing benefit rules and would only pay the housing benefits contribution/element.

The rent level and housing benefit claim rate is based on the prevailing Milton Keynes shared room rate.

Liability for Rent

All young adults living in a Staying Put arrangement have a liability for rent based on the prevailing Milton Keynes shared room rate, which is set on a commercial basis. Young adults are expected to pay the rent from their earnings or housing benefit, or a combination. The liability for rent is set out in the young adult’s licence agreement see:

• Appendix Two - Standard “Staying Put” Arrangement - Housing Benefit Claim Letter - Licence to Occupy – Licence Agreement. (SP- HBL02) - to follow

Housing Benefit for Young Adults - Guidance

From the age of 18 young adults can claim help from Housing Benefit towards their rent where there is a liability to pay rent on a commercial basis.

Where meals are provided within the Staying Put arrangement, the method used to calculate the level of Housing Benefit is the 1996 Housing Benefit maximum rent rules relating to ‘Boarder’ arrangements.

Young adults are able to claim Housing Benefit even when their Staying Put carer/s are in receipt of Housing Benefit themselves. However, where carers are in receipt of benefits themselves, the non-section 23C element of the overall allowance will be counted as income from the Staying Put arrangement; this non-section 23C element will be treated as income from a ‘Boarder’. Section 23C money is the element of the payment paid from the local authority fostering service; the non section 23C portion is all of the other elements, some of these other elements may still be paid through the local authority fostering service, for example, where housing benefit for the young person is paid directly to the local authority. See Section 5.2.2, ‘Section 23C Payments and Benefit Issues for Staying Put Carers'.

In circumstances where Housing Benefit is based on the maximum rent rules, it is possible to request a Pre-Tenancy Determination in advance of the Housing Benefit claim being submitted, in order to determine the level of Housing Benefit that will be paid on a given property. Pre-Tenancy Determinations are carried out by the Local Rent Officer.

Where Housing Benefit is paid under the 1996 Housing Benefit rules Children’s Services Staying Put Schemes can request that the Housing Benefit payments are paid directly to Children’s Services as agents (sometimes called a third party claim) of the carer/s.

As fostering regulations cease when a child reaches the age of 18, the primary framework governing these arrangements is tenure law. Young adults are deemed excluded occupiers on a licence.

The SP-HB1 standard letter should be issued and signed by the Staying Put carer as evidence of the young adult’s liability to pay rent and is used as the licence agreement in circumstances where a young adult is expected to claim Housing Benefit. The letter sets out the full costs of the arrangement broken down into:

• Rent;
• Support;
• Utilities/Service Charges;
• Food/Meals.

The rent liability for a young adult living in a Staying Put arrangement in Milton Keynes is based on the Local Housing Allowance rate for a room in a shared house and excludes meals/food, utilities/services and support.

NOTE: In circumstances where a young adult claim Housing Benefit and the Staying Put carer/s are in receipt of a means tested benefit, the young adult’s benefit claim will result in the Staying Put carers’ benefit being reduced. This reduction will be off-set by the local authority (Milton Keynes) paying an amount equivalent to the level of the benefit reduction as a section 23C compensatory payment.

See Section 5.2.2, ‘Section 23C Payments and Benefit Issues for Staying Put Carers'.

From April 2013 Council Tax Benefit has been replaced by Council Tax Support schemes that reflect individual local authority priorities and are administered through local rules.

The impact of the Staying Put arrangement on Staying Put carers’ Council Tax and Council Tax Support will depend on both the circumstances of the Staying Put carer and the young adult. For example, full time students are ‘invisible’ for Council Tax purposes and will not have any impact on the Staying Put carers’ Council Tax or Council Tax Support.

In circumstances where a Staying Put carer is working and in receipt of the 25% single person Council Tax reduction, this discount may continue when a Staying Put young adult is living in the arrangement. The continuation of the 25% discount will depend on the circumstances of the young adult.

Where Staying Put young adults are claiming a means tested benefit, a Non-dependent Deduction should not be applied to the Staying Put carers’ own means tested benefit claim.

When planning for a Staying Put arrangement, consideration should be given to the impact of the arrangement on the Staying Put carers’ Council Tax, Council Tax Support and whether a Non-dependent Deduction will be applied. In circumstances where an increase in Council Tax occurs; a reduction in Council Tax Support applies, or a Non-dependent Deduction is applied an application should be made to the Milton Keynes Resource Panel for a payment from section 23C equivalent to the carers financial loss.

Staying Put young adults will not incur an ‘Under Occupancy’ or bedroom tax charge on the “Staying Put” carers.

For HMRC purposes only, there is a broader definition of ‘Staying Put’. A ‘Staying Put’ carer (for HMRC purposes only) does not need to be a registered foster carer or former foster carer. This means that young people are able to return to a different Staying Put carer between the age of 18 and 21 (or until the completion of an education or training course) - for example during a university vacation.

Where a Staying Put arrangement meets the HMRC qualifying criteria (and where the young adult continues to be cared for as a member of the carer’s family) the Income Tax and National Insurance rules that apply to foster carers are extended to Staying Put carers. The young people are required to share the Staying Put carers’ home and daily family life during the placement’ i.e. live as a ‘member of the carer’s family’. This system provides for foster carers and/or Staying Put carers to earn up to a given amount without paying Income Tax or Class 4 National Insurance Contributions on their caring income.

The Income Tax free allowance consists of two elements. Firstly, a fixed amount per foster care or Staying Put household. Secondly, an additional amount per week per child.

Where there is more than one paid Staying Put carer in the household, the allowance is shared equally by both carers.

The tax free allowance only applies to the Staying Put carer’s income from caring. If they have income from other sources, they will pay tax on that income in the normal manner.

Individual carers can consult their local HMRC office for guidance on their circumstances and liabilities.

For National Insurance Contributions purposes, in practice HMRC will treat the taxable profit from foster care or Staying Put care as earnings from self-employment. Foster care and Staying Put care is deemed as self-employment and as such carers should register as self-employed. All self-employed people aged 16 and over who are below State Pension age are liable and must register to pay Class 2 National Insurance Contributions.

Where a young adult remains living with their former foster carer/s under a Staying Put arrangement, the Income Tax and National Insurance rules that apply are set out in the ‘Shared Lives Carers’ – ‘Qualifying Care Relief’ Guidance.

The ‘Shared Lives Carers’ – ‘Qualifying Care Relief Guidance’ sets out that Staying Put carers receive tax exemptions up to a given ‘qualifying amount’ for each Staying Put young person living with them. The Staying Put qualifying rate mirrors the system and amounts that applied when the placement was previously a foster care placement.

Staying Put carers will be covered by the Qualifying Care Relief system where they provide a Staying Put arrangement for a young adult who was looked after immediately prior to the young adult’s 18th birthday. Qualifying Care Relief can continue until the young adult reaches the age of 21, or, until they complete a programme of education or training being undertaken on their 21st birthday.

The Qualifying Care Relief system provides for foster carer/s and/or Staying Put carer/s to earn up to a given amount without paying Income Tax or Class 4 National Insurance Contributions on their caring income. The Income Tax free allowance consists of two elements. Firstly, a fixed amount per foster care or Staying Put household per year (for 2014 -2015 this is set at £10,000). Secondly, an additional amount per week per child (£200 per week under the age of eleven [0-10], £250 per week age eleven to their eighteenth birthday [11-17] 2014-2015) and £250 per week per adult aged eighteen to the twenty-first birthday [18-20] or until the end of the programme of education or training, as defined as “Staying Put” by HMRC.

The £10,000 per year applies once per household regardless of how many foster children or Staying Put young adults are placed. The additional amount applies per child/young person per week. Where there is more than one paid Staying Put carer in the household, the allowance is shared equally by both carers.

The tax free allowance is only available to households with three or fewer placements. However, foster care placements are excluded for this purpose, and sibling groups are counted as one placement.

The tax free allowance only applies to the Staying Put carer’s income from caring. If they have income from other sources, they will pay tax on that income in the normal manner.

If the Staying Put carer/s exceed the allowance, they will have a choice of using the ‘simplified’ method or the standard profit and loss method to calculate their taxable profits. The carer/s will also be liable to pay Class 4 National Insurance Contributions on their taxable profit. Under the simplified method, a carer’s taxable profit is the income they receive from caring which exceeds their tax free allowance. Where foster carer/s or Staying Put carer/s do incur an Income Tax and Class 4 National Insurance liability and they have not used their personal allowance, this can be used to off-set this liability.

Individual carers can consult their local HMRC office for guidance on their circumstances and liabilities.

In practice HMRC will treat the taxable profit from foster care or Staying Put care as earnings from self-employment for National Insurance Contributions purposes.

Staying Put carer/s as well as foster carer/s should note that they may be able to claim Working Tax Credits which are administered by HMRC. Fostering/Staying Put care is counted as work for Working Tax Credit purposes. The carer’s taxable income is included in the total household income that is used to assess the amount of tax credits that they are entitled to. So, where the carer is paid less than their tax free allowance, their income from caring for tax credits purposes is also nil.

HMRC is aware that a number of foster carers and Staying Put carers may not have registered for Class 2 National Insurance Contributions because they make little or no taxable profit. Foster care and Staying Put care is deemed as self-employment and as such carer/s should register as self-employed. All self-employed people aged 16 and over who are below State Pension age are liable and must register to pay Class 2 National Insurance Contributions. Failure to do this may affect their entitlement to Employment and Support Allowance, Maternity Benefit, State Pension and Bereavement Benefit. However, self-employed carers may be able to apply for Carers Credits which have replaced Home Responsibilities Protection, and those with low taxable profits may be able to apply for a Small Earnings Exemption.

To claim a carers credit, foster carers/Staying Put carers must complete form CF411A available from HMRC.

If carers have not previously registered as self employed they can obtain further information by calling the Newly Self-employed Helpline on 0300 200 3504.

If they are currently registered to pay Class 2 National Insurance Contributions they can obtain further information by calling the Self-employed Helpline on 0845 915 4655 instead.

HMRC Helpsheet (hs) 236 sets out information about the ‘Shared Lives Carers’ – ‘Qualifying Care Relief Guidance’ - Fostering and “Staying Put” Income Tax and National Insurance framework.

Foster carers and Staying Put carers should always inform the DWP and HMRC if their circumstances change and should always check with the DWP and HMRC regarding their personal circumstances and how payments for foster care or Staying Put care may affect their means tested benefits or any Income Tax or National Insurance liability.

In situations where young adults are working, and do not claim a means tested personal benefit, they will be expected to use their earnings to replace the pocket money allowance, clothing allowance etc and also claim housing benefit to pay rent. Earnings over the 18 to 24 year old Income Support rate, plus £5.00 per week will result in a reduction of housing benefit which will need to be made up by a contribution by the young adult.

Young adults living in foster care placements /Staying Put arrangements with sisters, brothers and certain extended family members who are formally approved as foster carers are not eligible to claim housing benefit on reaching the age of 18. In situations where a young adult is not eligible to claim Housing Benefit, Milton Keynes Children & Families Service will pay the rent/accommodation element of the Staying Put arrangement. In situations where a young adult is not eligible to claim Housing Benefit, Milton Keynes Children and Families Service will pay the rent/accommodation element of the Staying Put arrangement. Young adults will be expected to pay their element of the rent if they are working (based on the housing benefit contributions scale).

All Housing Benefit should be paid directly to the Fostering Finance Budget.

Staying Put carers will be provided with information about liability insurance cover in situations where Staying Put young people may make an allegation against a foster child in placement, or against their Staying Put carer/s, or an allegation is made against the Staying Put young person.