'Enabling Financial Flourishing in Law, Policy and Practice: The Impact Agenda'

该奖学金旨在巩固和传播一个研究项目中产生的新知识，该研究项目探索了支持如何改善认知障碍成年人的日常财务体验。该奖学金的主要目标是：1)对增加关于认知障碍者在其财务生活中面临的挑战的学术知识作出有意义的贡献；2)通过制作一份针对政策参与者和金融服务提供者的政策简报文件，为政策变化做出贡献；以及3)通过为一个汇集残疾人、学者、社会护理专业人员的专业知识的网络获得资金，实现实际影响。银行和其他专家可以提供见解并采取实际措施帮助改善残疾人的财务生活。研究显示，认知障碍者在财务生活的各个方面都面临着过多的重叠挑战。这包括获得适当的社会照顾，使用福利制度，获得无障碍的信息和基本的社区服务，如银行，克服精神能力法造成的障碍，获得住房，管理合同，以及处理社会排斥、耻辱和歧视。这些因素往往重叠并加剧了残疾人的社会劣势。这一奖学金将传播关于法律、政策监管及其现实世界的影响如何影响认知障碍者的经济生活的新理解。这将通过三个不同的渠道进行：1)首先，通过加强学术理解，了解法律和公共政策选择是如何在理论上构思的，以及它们是如何在实践中实施的，这些方式可能会使认知障碍的成年人处于不利地位。该奖学金将产生两篇学术文章，为法律和政策改革提供新的见解，以及良好的支持对残疾人生活产生的变革性影响。其中一篇文章将侧重于改善残疾人在其经济生活中需要的支助的机会，另一篇文章将发展一种新的理论方法，以了解和改进法律和政策在现实中的运作方式。2)其次，研究金旨在通过政策简报向相关的社会行为者提供信息，从而促进相关的政策和指导改革。这份文件使用残疾人及其支持者的声音来证明有认知障碍的成年人所经历的经济排斥。这份报告将发送给政府机构(如残疾人士组)、监管机构(如平等与人权委员会)、残疾人组织和支助提供者，帮助他们更好地了解如何容纳和尊重认知障碍者的权利。3)第三，我将申请拨款，在学者、残疾人、他们的组织、支助提供者、政策机构、立法者和银行之间建立一个知识共享网络。一旦这个网络的资金得到保障并建立起来，目标是让利益攸关方建立联系并共同努力，改善残疾人的财务体验。所有的利益相关者将被要求参加协作的知识建设研讨会，目的是为认知障碍的成年人及其支持者开发一种“金融自我宣传工具包”。这个工具包将包括可获得的实用指导，帮助经济生活。它将涵盖如何获得财政和护理支持，如何与工作和养老金部门或银行互动，了解你有权获得哪些援助或调整，以及解决歧视问题。这可以帮助残疾人在经济生活中实现更多的平等。

This Fellowship aims to consolidate and disseminate new knowledge emerging from a research project which explored how support can improve the day-to-day financial experiences of adults with cognitive impairments.The key objectives of the Fellowship are: 1) to make a meaningful contribution to increasing academic knowledge about the challenges faced by people with cognitive impairments in their financial lives, 2) to contribute to policy change through producing a Policy Briefing document targeting policy actors and financial service providers, and 3) to achieve practical impact by obtaining funding for a network which draws together the expertise of disabled people, academics, social care professionals, banking and other experts who can offer insight and take practical steps to help improve the financial lives of disabled people.Research revealed that people with cognitive impairments face a plethora of overlapping challenges in every element of financial life. This includes getting proper access to social care, using the benefits system, getting accessible information and essential community services like banking, navigating obstacles caused by mental capacity law, obtaining housing, managing contracts, and dealing with social exclusion, stigma and discrimination. These factors often overlap and compound the social disadvantage experienced by disabled people.This Fellowship will disseminate new understandings of how the law, policy regulation and its real-world impact is affecting the financial lives of people with cognitive impairments.This will occur through 3 distinct channels:1) Firstly, by enhancing academic understandings about how the law and public policy choices are conceived in theory and how they are implemented in practice, in ways which can disadvantage adults with cognitive impairments. The Fellowship will result in two academic articles which offer new insights into law and policy reform, as well as the transformative impact that good support can have in the lives of disabled people. One article will focus on improving access to the support that disabled people need across their financial lives, while the other will develop a new theoretical approach to understanding and improving how law and policy operate in reality.2) Secondly, the Fellowship aims to inform relevant social actors and thereby contribute to relevant policy and guidance reform through a Policy Briefing. This document uses the voices of disabled people and their supporters to demonstrate the financial exclusion experienced by adults with cognitive impairments. This will be sent to Government bodies (such as the Disability Unit), regulatory bodies (such as the Equality and Human Rights Commission) and disabled people's organisations and support providers to help them better understand how to accommodate and respect the rights of people with cognitive impairments.3)Thirdly, I will apply for funding to establish a knowledge-sharing network between academics, disabled people, their organisations, support providers, policy bodies, law makers and banks. Once funding for this network is secured and the network is established, the aim is for stakeholders to make connections and work together to improve financial experiences for disabled people. All the stakeholders will be asked to feed into collaborative, knowledge-building workshops, with the aim of developing a 'Financial Self-Advocacy Toolkit' for adults with cognitive impairments and their supporters. This Toolkit will include accessible practical guidance which helps with financial living. It will cover things like how to access financial and care support, how to interact with the Department for Work and Pensions or the bank, understanding what assistance or adjustments you are entitled to and tackling discrimination. This could help disabled people to achieve more equality in their financial lives.