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Social workers covering cost of basic essentials for vulnerable people

The Canary by The Canary
26 March 2026
in News, UK
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Hundreds of frontline social workers are regularly stepping in to personally support people in crisis. New research by the Social Workers Union (SWU) suggests that the government’s new Crisis and Resilience Fund may not be enough to prevent this.

Crisis support

Following a survey of the SWU’s members, many felt compelled to step in and personally fund basic items for people they support – from food to energy prepayment meter top-ups.

The Crisis and Resilience Fund, which is due to begin on 1 April, is intended to provide faster emergency support for households in hardship. It comes after reports of a looming social care crisis in 2024.

However, the SWU warns that the Fund may not go far enough to prevent social workers continuing to plug gaps themselves, particularly when crises arise suddenly or where systems remain slow and bureaucratic.

Survey findings

More than 380 social workers affected by the issue took part in the research last summer, with three in four (75%) saying they were unable to claim back the costs they incurred on behalf of service users.

The overwhelming majority had to buy food (87%), while others were compelled to pay for public transport (36%), clothing (26%), cleaning supplies (24%), and top-up energy prepayment meters (19%) to keep people warm.

Though over half of social workers affected (58%) described such payments as rare, more than a quarter (27%) said they were dipping into their own pockets every month, with nearly one in ten (9%) doing so even more regularly. Most contributions were under £25, but one in twenty social workers spent more than £100.

Over a third (36%) said helping clients put their own finances at risk, highlighting how the cost-of-living crisis is now affecting not just vulnerable families, but the very workers tasked with protecting them.

Despite 86% of social workers trying to secure support via foodbanks, council-run household support funds and local charities, seven in ten times (70%) they were faced with an emergency that left no time to navigate complex or slow bureaucratic systems.

A system in crisis

John McGowan, general secretary of the SWU, has warned the findings expose a “broken support system”:

It cannot be right that social workers are left to plug the gaps in a broken support system with their own money. While the new Crisis and Resilience Fund is a welcome step, it will not solve the problem on its own if support remains slow, complex or hard to access in an emergency.

The data paints a stark picture of a safety net riddled with delays and gaps. The true test of the new Fund moving forward will be to see if it means that local and national governments act urgently to ensure help is there when it is needed.

It is a claim backed up by the stories told by social workers themselves. Asked why they had resorted to providing direct financial support to service users, one social worker told researchers:

There are often several real forms to fill out to request financial support, which are declined anyhow by managers. To save time – something we don’t often have – I’ve paid for items myself.

Another claimed that their local authority “has restricted food bank vouchers to 3 per year”. Another stated that their “service user was unable to access the internet or navigate lengthy online forms.” One went so far as to say that there just was no longer any support left to apply for.

Featured image via the Canary

Tags: cost of living crisissocial care
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