personal statement for best interest assessor

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What is a Best Interests Assessor and how do you become one?

A Best Interests Assessor is a professional, often with a background in social work, who assesses and determines the best interests of individuals lacking mental capacity to make specific decisions.

personal statement for best interest assessor

What is a Best Interests Assessor?

A Best Interests Assessor (BIA) is a professional who assesses and determines the best interests of individuals who lack the mental capacity to make specific decisions for themselves. This role is particularly relevant in the context of mental health and social care, often within the legal framework of mental capacity legislation.

What are the responsibilities of a Best Interests Assessor?

The responsibilities of a Best Interests Assessor can vary depending on the specific organisation they work for.

Some typical responsibilities of a Best Interests Assessor include:

  • Evaluating whether individuals have the mental capacity to make specific decisions. This involves assessing their ability to understand, retain, and use information to make decisions.
  • Considering and evaluating the best interests of individuals in situations where they lack capacity to make decisions, taking into account the person's wishes, feelings, beliefs, and values, as well as any relevant past and present preferences.
  • Seeking input from family members, friends, and relevant professionals to gather a comprehensive understanding of the individual’s best interests.
  • Ensuring that the assessment and decision-making process complies with relevant legal frameworks.
  • Documenting the assessment process, including the factors considered, individuals consulted and the rationale behind the decisions made in the best interests of the individual.
  • Engaging in ongoing professional development to enhance skills and knowledge in the field.
  • Advocating for the rights and well-being of individuals who lack capacity.

What skills do I need to have?

Working as a Best Interests Assessor requires a combination of skills to effectively assess and determine the best interests of individuals who lack the ability to do so.

Some of the key skills that Best Interests Assessors need to have include:

  • Critical thinking – The ability to analyse complex situations and make decisions based on a thorough understanding of the individuals circumstances and best interests.
  • Communication skills – Clear and effective communication is essential when working with individuals lacking capacity, their families and healthcare professionals.
  • Empathy and Sensitivity – The ability to empathise with the individual's situation and demonstrate sensitivity to their needs, feelings, and preferences.
  • Assessment Skills - Competence in conducting thorough mental capacity assessments, considering cognitive abilities, understanding, retention, and decision-making capacity.
  • Collaboration and Teamwork - Ability to work collaboratively with other professionals, such as healthcare providers, social workers, and legal professionals, to ensure a holistic approach to decision-making.
  • Resilience - Ability to handle emotionally challenging situations and make decisions objectively, keeping the well-being of the individual at the forefront.
  • Advocacy Skills - Advocating for the rights and interests of individuals who lack capacity, ensuring their voice is heard and considered in the decision-making process.

How can I become a Best Interests Assessor?

Becoming a Best Interests Assessor involves a combination of education, relevant experience, and acquiring specific skills.

Typically you will need to:

  • Obtain a relevant qualification in Social Work, such as a Bachelor's or Master's degree.
  • Work in social work or a related field to gain practical experience. This experience is essential for understanding the complexities of mental health issues and the challenges faced by individuals who may lack capacity.
  • Register with a professional body such as Social Work England or the Health and Care Professions Council (HCPC).
  • Complete a Best Interests Assessor course.
  • Engage in continuing professional development to stay updated on changes in legislation, best practices, and advancements in the field.

Looking for a Best Interests Assessor position?

Here at Archer Resourcing, we have unique Best Interests Assessor opportunities across the UK.

Click here to view our latest vacancies or call us today on 01473 939670 and a member of our Social Care team will be happy to discuss the roles we have available.

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  • The Mental Capacity Act (2005)
  • What questions should I ask?
  • Best Interest Decision
  • Deprivation of Liberty Safeguards (DoLS)
  • Liberty Protection Safeguards (LPS)
  • Lasting Power of Attorney (LPA)
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DoLS in focus: The role of the Best Interest Assessor (BIA)

  • 11 December 2023 4 December 2023

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The primary role of a Best Interest Assessor (BIA) is to complete the Mental Capacity Assessment and Best Interest Assessment steps within the DoLS process. These are recorded as part of Form 3 .

They can also be commissioned by the Supervisory Body to complete ‘Age’ and ‘No Refusals’ steps if required.

Mental Capacity Assessment

Under DoLS, the specific decision to be addressed by the BIA is always:

  • Can the relevant person consent to their care and treatment at X?

[Where X is the given or proposed nursing/care home or hospital ward]

BIA responsibilities

Prior to assessment, the BIA will need to ensure that all appropriate preparations have been made to ensure the correct and smooth running of the assessment. As part of this, the BIA will need to:

  • Establish context relevant to the decision being addressed by consulting relevant individuals and reviewing care plans.
  • Ask staff the best time of day to engage with the relevant person to optimise capacity.
  • The BIA may also need to produce suitable resources to support accessibility.
  • Coordinate interpreters as required.
  • Speak with the Independent Mental Capacity Advocate (IMCA), if an IMCA has been assigned to the case.
  • Identify the initial relevant questions to guide the assessment interview

This is not an exhaustive list, but is a useful starting point to help you prepare.  We have a range of blogs around supporting capacity, including case studies , blogs on augmentative communication , the use of visual aids and much more besides .

Assessment process

The assessment should always start with an introduction in which the BIA introduces themselves and explains the purpose of the assessment and why it is being carried out . This helps to ensure proper informed consent, and also gives the relevant person important context in line with Court of Protection direction.

Following introductions, the assessment itself will then take place. This is usually in the form of an interview, with questions and method of engagement adapted to meet the needs of the individual as required – adapting to their needs and ensuring that they are appropriately supported throughout.

At this stage it is important to note Principle 3 of the Mental Capacity Act , which states that individuals have the right to make what others may perceive to be an ‘unwise’ decision. The key here is that the individual is able to make an informed decision – whether or not the BIA (or anyone else) deems it to be the ‘correct’ decision.

The assessor should therefore continue to ask questions of the individual until they are satisfied of the outcome and the Functional step of the assessment. From which the Diagnostic and Causative Nexus are then proceed.

Following this step, the assessment should then be recorded appropriately within Form 3, ensuring that sufficient detail is included that would enable a third party reader to understand the individual’s presentation, views and wishes, as well as the professional’s rationale for their decision. 

Best Interest Assessment

If the relevant person has been determined to lack capacity in the above assessment, the next step for the BIA is to complete the Best Interest Assessment. This needs due professional care and consideration, and should not be taken lightly.

The assessment must meet four criteria:

  • Applying the Acid Test (Objective Element), as laid out in the Cheshire West Judgment.
  • Ensuring the relevant person’s wishes, beliefs, values and feelings are kept at the heart of this assessment process throughout.
  • The BIA should also complete a Best Interest Checklist, applying a Balance Sheet analysis of viable options available. Within which, the assessor should consult with relevant persons as far as reasonably and practicably possible.
  • Guzzardi Analysis ( Guzzardi v Italy, 1980) of all restrictions and restraints in light of their type, duration, effect, manner and degree/intensity.
  • Taking account of all information gathered above, including other viable options in light of said information.

Other responsibilities

In accordance with the Code of Practice for DoLS (2008) , the BIA is further responsible for a number of vital proposals for the SB to consider:

  • Suitable Relevant Person’s Representative that meet criteria, taking account of the Relevant Person’s thoughts, wishes and feelings around this matter.
  • Any DoLS related conditions for the Managing Authority to reduce the impact of their restrictions and restraints in place.
  • The duration for the authorisation, in light of the Relevant Person’s circumstances.

All of which must be recorded with rational within the Form 3.

Useful BIA resources

There are a number of useful resources relating to the BIA role and how it works in practice. We have included a selection of sources below:

  • DOLS and you (easy read) – essential
  • Recognised BIA training locations
  • DoLS forms (please note regional updates are available, such as in the West Midlands )
  • BIA capabilities
  • BIA handbook
  • Local gov summary and links
  • Alzheimer’s useful links
  • Social care collection materials from NHS digital
  • CQC state of care report 2022-2023 – including DoLS

For further support with the Mental Capacity Act, including training and consultancy, and support with BIA, please do get in touch .

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The Best Interests Assessor Practice Handbook, Rachel Hubbard and Kevin Stone

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Stefan Brown, The Best Interests Assessor Practice Handbook, Rachel Hubbard and Kevin Stone, The British Journal of Social Work , Volume 49, Issue 7, October 2019, Pages 2010–2012, https://doi.org/10.1093/bjsw/bcz078

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The Deprivation of Liberty Safeguards under the Mental Capacity Act 2005 has emerged as a significant professional activity for social work practice with adults and the specific role of the Best Interest Assessor (BIA) has become a specialised area of practice for social workers, nurses, occupational therapists and chartered psychologists who undertake approved specialist training. As a lynchpin of the Deprivation of Liberty Safeguards Framework, which was implemented in April 2009, the BIA role takes into account best interests, decision-making, case law, policy, ethics and values. The work of the BIA relates to protecting the rights and wishes of those who lack capacity to make decisions about their care and treatment, in circumstances which may amount to a deprivation of their liberty ( Carpenter et al. , 2014).

Although the BIA role has been in place in England and Wales for more than ten years, Hubbard and Stone’s recently published handbook is one of a few texts in this specific field to examine the BIA role in such detail. The handbook contains an ordered explanation of the duties of the BIA, details reflective activities, case studies, legal summaries and guidance on continuing professional development. Of particular note is a chapter on the wider multidisciplinary nature of the BIA role providing valuable insights into differing perspectives drawn from the authors’ interviews with various professionals who carry out the BIA duties. Although the Best Interests Assessor Practice Handbook is not a legal textbook, Hubbard and Stone skilfully detail relevant case law, including discussion of nuanced interpretations and how they directly relate to BIA practice.

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Expert tips on how to improve your best interests assessor reports

Practice support for the growing number of bias in recording their assessments in deprivation of liberty safeguards cases.

personal statement for best interest assessor

For best interests assessors (BIAs), being able to thoroughly explain and evidence their conclusions about whether someone is being deprived of their liberty in their best interests is vital because their report might be used in court.

Community Care Inform Adult’s new guide to report writing for best interests assessors – by Javeda Jafri and Rita Panayides – is full of advice. Here we’ve picked out some of the guide’s tips to help BIAs polish their reports.

live-15-neg

  • Focus on the fact that you are assessing an individual Even people who, on paper, seem similar, have had different lives, made different choices, had varying experiences of childhood, parenthood, relationships, work, loss, physical health and so on. To stop looking at, and looking for, an individual’s experiences and wishes and just churn out a report is not good enough.
  • Ask the right questions Consider what questions to ask otherwise the answers you get may not give you information of any value. What facts are relevant to your enquiry?
  • Be aware of your audience Bear in mind that the managing authority (hospital or care home); the relevant person; the relevant person’s representative (RPR); any independent mental capacity advocate (IMCA) involved; and every interested person you consulted in carrying out your assessment will receive a copy of your report. If there was a legal challenge your report might also be read by lawyers or judges.
  • Write in plain English Reports should be written in plain English, avoiding unnecessary “professional speak” and in particular avoiding language that may be dehumanising or cause additional distress to the person or their family. The report must be evidence based so that the supervisory body and signatory are clear that the deprivation of liberty is both necessary and proportionate.
  • Include background information This should include a pen picture of the person (such as an overview of who they are as an individual and as part of a family and also their current needs including brief history and current description, for example, diagnosis, sensory impairment, physical health problems, etc). There should be a description of the environment they are living in (type of institution, number of residents, etc); when they were admitted and under what circumstances (including who has determined where they live); and whether it is a temporary or permanent arrangement. But it should not be a life story.
  • Record everything Document the views of everyone you consult on the person’s care and any information you can obtain about their past and present wishes, belief and values. It’s a good idea to take notes during all conversations you have as part of your assessment. Informal contemporaneous notes may serve as aide-memoires or even as crucial evidence of how you made decisions if any of your conclusions are questioned.
  • Use the balance-sheet approach Use the balance-sheet approach which involves weighing up and analysing the burdens and benefits of all available options; although only the actual and reasonably foreseeable options available.
  • Base reasoning on the law Ensure your reasoning is based on the law and code of practice. A good BIA report will demonstrate that you have considered the principles of the Mental Capacity Act 20015 and the best interests checklist.

best interests decision making , BIAs , report writing

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The Best Interests Assessor Practice Handbook

The Best Interests Assessor Practice Handbook

The Best Interests Assessor Practice Handbook

Second edition

By rachel hubbard and kevin stone.

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  • Description

The Best Interests Assessor (BIA) Practice Handbook is firmly grounded in real-life practice and remains the only textbook focusing directly on the BIA role. Offering clear and practical advice on the legal elements of the role, and the values and practice elements of working within the Deprivation of Liberty Safeguards (DoLS) framework, this is essential reading for BIA students and practitioners.

This fully-updated edition takes account of recent legislative changes, including the planned changes from the Liberty Protection Safeguards (LPS), recent case law and the impact of the COVID-19 pandemic on BIA practice.

Packed with advice on delivering effective, person-centred, rights-driven practice, it includes:

• case studies;

• legal summaries;

• decision-making activities;

• CPD support;

• examples of new case law in practice.

Looking forward, the book considers the new context for practice in the Approved Mental Capacity Professional (AMCP) role within the LPS and the potential roles that BIAs might fulfil in this new framework in the future.

“If you are a BIA because you are passionate about human rights, challenging restrictive and oppressive practices, empowering care users and finding better ways to support them, then this is the book for you.” Lucy Series, University of Bristol
"Fantastic to see this updated edition, which has been revised to include the most recent case law and current understanding of the new role for BIAs. This book remains an essential read for BIA practitioners and educators." Tanya Moore, Course Lead for the Professional Doctorate in Social Work and Social Care, The Tavistock and Portman NHS Foundation Trust

Rachel Hubbard is Senior Lecturer in Social Work at UWE Bristol, social work CPD Programme Leader, module leader for their BIA qualifying module and a registered and experienced social worker and BIA.

Kevin Stone is Associate Professor of Social Work and Director of Social Work at the University of Warwick. He is a registered social worker, practising Approved Mental Health Professional, qualified BIA and previously a university AMHP programme leader.

1. Introduction

Part 1: Context for Practice

2. The BIA Role in Practice

3. The Multi-Professional BIA Role

4. Working with Others

Part 2: Assessment, Challenges and Dilemmas

5. Making Deprivation of Liberty Safeguards Decisions

6. Evidence-informed Practice

7. Ethical dilemmas in BIA practice

8. BIA Recording

Part 3: Developing Good Practice

9. BIA Continuing Professional Development

10. BIA Futures

The Approved Mental Health Professional Practice Handbook

The Approved Mental Health Professional Practice Handbook

By Kevin Stone , Sarah Vicary and Tim Spencer-Lane

Find out more

The Adult Safeguarding Practice Handbook

The Adult Safeguarding Practice Handbook

By Kate Spreadbury and Rachel Hubbard

The Adult Safeguarding Practice Handbook 2e

The Adult Safeguarding Practice Handbook 2e

personal statement for best interest assessor

Template report for the best interests assessment

This guidance says that it is good practice for IMCAs and paid representatives to provide reports to the best interests assessor, before the assessor completes the best interests assessment. The assessment may be undertaken as part of the application process for a standard authorisation, for a review, or in the case of a potential unlawful deprivation of liberty. As such not all parts below will be relevant.

This report (or an amended version) could be submitted to the supervisory body where a standard authorisation is to be granted.

  • Person’s details
  • Reason for best interests assessment: request for standard authorisation, review, potential unlawful deprivation of liberty
  • Role of person completing this report: 39A IMCA/ 39C IMCA / 39D IMCA, paid representative
  • Other advocate roles currently performed in relation to this client. Item 4 may include other IMCA roles, Independent Mental Health Advocate or non-statutory advocacy.
  • Main actions undertaken to inform this report. Item 5 should include any contact with the person, visits to services, contact with others and records accessed.
  • Regarding whether the proposed restrictions amount to a deprivation of liberty
  • whether this is necessary in order to prevent harm to the person
  • whether this is a proportionate response given the likelihood that the person will otherwise suffer harm and the seriousness of that harm
  • consideration of other options.
  • Regarding conditions.
  • Regarding the choice of the person’s representative.
  • Regarding the duration of the authorisation.
  • Consideration should also be made to the following:

  Signed and dated

The assessor is required to take this report into account in accordance with Schedule A1, Section 132 of the amended MCA, 2005.

IMCA roles in the Mental Capacity Act Deprivation of Liberty Safeguards

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Social Work CPD

Practice of Best Interest Assessor

This module aims to provide students with the knowledge and skills required to undertake the role of the Best Interests Assessor, as defined by the Mental Capacity Act (2005).

Course Overview

Introduced into the Mental Capacity Act in 2007, the Deprivation of Liberty Safeguards (DoLS) (2009) provide important protections for people who require care or treatment in a registered care home, nursing home or hospital setting and who lack capacity to make a decision about how their care is provided. The Best Interests Assessor role is central to this process, by ensuring that the wishes and feelings of individuals lacking capacity are heard, and their fundamental human rights are protected .

This module aims to equip students with the knowledge and skills relevant to the role and enable them to apply appropriate legislation, to safeguard and promote the rights of individuals involved

Module content includes: 

  • Background to the Mental Capacity Act (2005) and DoLS (2009)
  • Interface with the Human Rights Act (1998) the Mental Health Act 1983, The Care Act (2014) and related Codes of Practice
  • Understand the role of the Best Interest Assessor including an awareness of legal responsibilities and accountability.
  • Understand the responsibilities of organisations and other professionals involved in the process. 
  • Understand how to apply the MCA principles in capacity assessments and best interest decisions and present clear and reasoned reports in accordance with legal requirements and good practice
  • Preparation for the new Liberty Protection Safeguards (LPS): Update on implementation, awareness of the change LPS will bring and an understanding of the new Approved Mental Capacity Professional role. 

Everything you need to know

Entry requirements.

The Best Interest Assessor (BIA) training is open to registered practitioners from the following professional groups:

  • Registered Social Workers
  • First level Nurses, registered in Sub-Part 1 of the Nurses' Part of the Register maintained under article 5 of the Nursing and Midwifery Order 2001
  • Occupational Therapists registered in Part 6 of the register
  • Chartered Psychologists

You must have at least two years post registration experience in your profession to attend. 

For admission to the module you will also *usually be required to provide evidence of the successful completion of 120 credits (or equivalent) at the appropriate level in a relevant area / discipline:

  • 120 credits at level 6 (BScH/BAH) for level 7 (masters) study
  • *Experience and other factors may also be considered for entry. 

Successful completion of the module is dependent upon

  • Satisfactory attendance at all taught sessions
  • Examination related to relevant law
  • Submission of a written case study

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Report writing for best interests assessors - Adults

Report writing for best interests assessors

Author: Javeda Jafri and Rita Panayides

Reviewed Date: 27 April 2023

Publication Date: 29 February 2016

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Introduction

How to explain and evidence your conclusion about whether a deprivation of liberty is taking place and tips on what makes a good best interests assessment.

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Add item to CPD Log (SWE)

Title * Report writing for best interests assessors

Date * 16-05-2024 (dd-mm-yyyy)

Learning or development activity, resource or URL https://adults.ccinform.co.uk/practice-guidance/guide-to-best-interests-assessor-report-writing-skills/

Use the boxes below to record what you have learned from this activity. The form below replicates that used by Social Work England in your online account, so that when you need to renew your registration each year, you can easily transfer examples of CPD. Everything you write will be stored in your My CPD log on CC Inform. You can return to each piece of CPD and edit or add to it at any time - for example, if you reflect on it with a peer. You can export all the information as a Word file and copy it into Social Work England's form for the pieces you choose to submit during renewal, and print it off for other uses - for example, in supervision or peer reflection.

1. Describe what you have learnt from doing this CPD activity. (Social Work England recommend that you write 250-500 words, and they say that you may want to refer to the CPD standard 4.1-4.8 - see below.)

2. Reflect on and describe the positive impact the CPD has had (or will have) on your practice and the people you work with.

This could be people with lived experience of social work, colleagues, or students. If you are not currently working, or not in direct practice, you could think about how your CPD activity might benefit people you come into contact with or the profession as a whole. (Social Work England recommend you write about 250 to 500 words).

3. Describe what you have learnt from discussing this CPD activity with a peer

This is an optional question. By answering it for at least one of your pieces of CPD, you will meet Social Work England's requirements to record one piece of CPD with a peer reflection during the registration year. You are expected to write at least 250 words.

Social Work England say: "Peer reflection means that you have discussed the content of your CPD activity with a peer, your manager or another professional.

This discussion can be informal or formal, and can take place in one to one or group settings. The role of the peer is not to approve your learning but to support and help you to think about how you can improve your practice. When discussing your CPD with a peer, you should talk about what you have learnt from doing the CPD and the positive impact the CPD activity has had (or will have) on your role, practice and the people you work with".

Read more guidance from the regulator about peer reflection here

4. Which parts of the CPD standard have you met by doing this activity? By going through the recording process, you will automatically meet standards 4.6 and 4.7. You can use the box below to note the other standards you have met with this piece.

  • 4.1 Incorporate feedback from a range of sources, including from people with lived experience of my social work practice.
  • 4.2 Use supervision and feedback to critically reflect on, and identify my learning needs, including how I use research and evidence to inform my practice.
  • 4.3 Keep my practice up to date and record how I use research, theories and frameworks to inform my practice and my professional judgement.
  • 4.4 Demonstrate good subject knowledge on key aspects of social work practice and develop knowledge of current issues in society and social policies impacting on social work.
  • 4.5 Contribute to an open and creative learning culture in the workplace to discuss, reflect on and share best practice.
  • 4.6 Reflect on my learning activities and evidence what impact continuing professional development has on the quality of my practice.
  • 4.7 Record my learning and reflection on a regular basis and in accordance with Social Work England's guidance on continuing professional development.
  • 4.8 Reflect on my own values and challenge the impact they have on my practice.

For more information, see  Social Work England’s guidance on CPD .

Add item to CPD Log (SCW)

URL https://adults.ccinform.co.uk/practice-guidance/guide-to-best-interests-assessor-report-writing-skills/

1. What have you learned from this activity?

2. How has it contributed to your practice?

3. How much time have you spent on this activity?

4. Next steps (any additional learning you need in this area)?

For more details, visit Social Care Wales

Jafri, J and Panayides, R (2016, updated 2023) Report writing for best interests assessors. Practice Guidance. Community Care Inform [online] https://adults.ccinform.co.uk/practice-guidance/guide-to-best-interests-assessor-report-writing-skills/ [accessed: 16 May 2024]

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In the text: Baim argues that "understanding adult attachment patterns can also help practitioners to more readily identify the behaviour patterns that the client uses to maintain safety and comfort and which also, in some cases, serve to keep the client stuck in behaviour that no longer serves them as adults". (Baim, 2015)

Full reference to insert at the bottom of the document: Baim, C. (2015) Using attachment theory to work with adults, Guide. Community Care Inform Adults [online]. Available at: https://adults.ccinform.co.uk/guides/guide-using-attachment-theory-work-adults/ [accessed: INSERT DATE HERE (eg 9 October 2015)]

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Best Interest Assessor

2024-25 (also available for 2023-24 , 2025-26 )

6 January 2025

9 weeks, part-time, comprising of 4 weeks teaching

Credits: 15 Masters level credits

Code: HMS1060

Places available (subject to change)

Send us your enquiry.

To ask a question about this course or studying at the University of Huddersfield, please complete the form below and we’ll get back to you as soon as possible.

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About the course

Please note that the government has delayed the implementation of the new Liberty Protection Safeguards. We are closely following any revisions that may be forthcoming in this area and the Best Interests module will be revised and updated to meet the new Liberty Protection Safeguards scheme should this be implemented. This course and entry requirements are therefore subject to change once the new Code of Practice and statutory regulations supporting the implementation of the Liberty Protection Safeguards are published.

This course provides the opportunity for health and social care professionals to become Best Interests Assessors (BIA) under the Deprivation of Liberty Safeguards (Mental Capacity Act 2005). It will assist you in developing the skills and knowledge required, as defined by the Deprivation of Liberty Safeguards regulations, to competently perform the role of a BIA.

  • Teaching is built around the needs of experienced busy professionals who have chosen to study this course as part of their continuing professional development and career progression.
  • You will learn alongside a range of other professionals from a variety of disciplines allowing you to share valuable knowledge and experience.
  • The law and policy requirements for the BIA role under the Deprivation of Liberty Safeguards (Mental Capacity Act 2005) will also be explored.
  • You will examine and analyse developments in case law and how this influences Best Interests Assessor practice
  • The course focuses on the core skills and knowledge required to meet the supervisory body’s regulations and you will be encouraged to critically evaluate this knowledge.

The course aims to provide you with the skills required to assess the capacity of people with a learning disability and those in later life. As well as an understanding of the assessment processes involved in being a BIA. This will include the ability to identify whether an individual is being deprived of their liberty as defined by the European Court of Human Rights.

Teaching and assessment

You will be taught through a series of lectures and independent guided study, which will be supported by the University’s virtual learning environment.

Assessment will include a Best Interest Assessor assessment and a critical analysis. Your module specification/course handbook will provide full details of the assessment criteria applying to your course.

Feedback (usually written) is normally provided on all coursework submissions within three term time weeks – unless the submission was made towards the end of the session in which case feedback would be available on request after the formal publication of results. Feedback on exam performance/final coursework is available on request after the publication of results.

The University of Huddersfield operates an attendance monitoring system. Further details can be found in the Attendance Monitoring Policy .

Entry requirements

Entry requirements for this course are normally to:

  • Possess a degree or an equivalent qualification. If you do not possess a degree but have relevant experience, you may be required to undertake preparatory work to demonstrate your ability to study at postgraduate level.
  • Be a Health or Social Care Practitioner.
  • Have at least two years' post-registration experience.
  • Have relevant experience within a Health or Social Care setting.
  • Meet the professional criteria as set out in the Deprivation of Liberty Safeguards.
  • Have successfully completed the Mental Capacity and Mental Disorder course, unless you have an Approved Mental Health Professional (AMHP) qualification.
  • Professional links and accreditations

This specialist skills and post-registration development course meets the law and policy requirements for the Best Interest Assessor role under the [Deprivation of Liberty Safeguards (Mental Capacity Act 2005)|http://www.dh.gov.uk/en/SocialCare/Deliveringsocialcare/MentalCapacity/MentalCapacityAct2005/index.htm].

Career support

This course may help you expand your career path through becoming a Best Interest Assessor. It will also assist you in meeting the specialist skills and post registration development requirements stipulated by your employer/professional regulator.

Student support

At the University of Huddersfield, you'll find support networks and services to help you get ahead in your studies and social life. Whether you study at undergraduate or postgraduate level, you'll soon discover that you're never far away from our dedicated staff and resources to help you to navigate through your personal student journey. Find out more about all our support services .

A wide range of resources are also offered within the School of Human and Health Sciences, which provides you with support in a variety of areas. These include:

Student Hub: a one stop shop for students, studying within the School. Their services include offering advice on extenuating circumstances, extension requests, attendance and welfare support, organising appointments with academic staff, signposting to other support networks and loan of MP3 recorders.

Academic Skills Development Team: provides guidance about how students can develop their academic skills in order to improve their grades. The team provide support with general academic skills including essay writing, time management, presentations and group work skills; information technology and numeracy; research skills, as well as personal development for example confidence building and assertiveness.

Learning Technology Support Unit: helps students with any problems they experience with the University’s Unilearn System, including logging on or difficulties experienced when accessing modules.

Fees and Finance

Tuition fees - part-time.

In 2024/25 the part-time tuition fee for UK postgraduate students on this course will be £575 (Band 1) per 15 credit module and £1,150 (Band 1) per 30 credit module.

Tuition fees for UK students will cover the cost of your study at the University. For more information about funding, fees and finance for UK students, including what your tuition fee covers, please see our Fees and Finance . Please note that tuition fees for subsequent years of study may rise in line with inflation (RPI-X).

If you are an EU or international student coming to study at the University of Huddersfield, please visit the International Fees and Finance pages for full details of tuition fees and support available.

Please email the Student Finance Office or call 01484 472210 for more information about fees and finance.

Important information

We will always try to deliver your course as described on this web page. However, sometimes we may have to make changes as set out below.

Changes to a course you have applied for

If we propose to make a major change to a course that you are holding an offer for, then we will tell you as soon as possible so that you can decide whether to withdraw your application prior to enrolment.

Cancellation of a course you have applied for

Although we always try and run all of the course we offer, we may occasionally have to withdraw a course you have applied for or combine your programme with another programme if we consider this reasonably necessary to ensure a good student experience, for example if there are not enough applicants to ensure you have a good learning experience. Where this is the case we will notify you as soon as reasonably possible and we will contact you to discuss other suitable courses with us we can transfer your application to. If we notify you that the course you have applied to has been withdrawn or combined, and you do not wish to transfer to another course with us, you may cancel your application and we will refund you any deposits or fees you have paid to us.

Changes to your course after you enrol as a student

We will always try to deliver your course and other services as described. However, sometimes we may have to make changes as set out below:

Changes to option modules

Where your course allows you to choose modules from a range of options, we will review these each year and change them to reflect the expertise of our staff, current trends in research and as a result of student feedback or demand for certain modules. We will always ensure that you have a range of options to choose from and we will let you know in good time the options available for you to choose for the following year.

Major changes

We will only make major changes to the core curriculum of a course or to our services if it is necessary for us to do so and provided such changes are reasonable. A major change in this context is a change that materially changes the services available to you; or the outcomes, or a significant part, of your course, such as the nature of the award or a substantial change to module content, teaching days (part time provision), classes, type of delivery or assessment of the core curriculum.

For example, it may be necessary to make a major change to reflect changes in the law or the requirements of the University’s regulators; to meet the latest requirements of a commissioning or accrediting body; to improve the quality of educational provision; in response to student, examiners’ or other course evaluators’ feedback; and/or to reflect academic or professional changes within subject areas. Major changes may also be necessary because of circumstances outside our reasonable control, such as a key member of staff leaving the University or being unable to teach, where they have a particular specialism that can’t be adequately covered by other members of staff; or due to damage or interruption to buildings, facilities or equipment.

Major changes would usually be made with effect from the next academic year, but this may not always be the case. We will notify you as soon as possible should we need to make a major change and will carry out suitable consultation with affected students. If you reasonably believe that the proposed change will cause you detriment or hardship we will, if appropriate, work with you to try to reduce the adverse effect on you or find an appropriate solution. Where an appropriate solution cannot be found and you contact us in writing before the change takes effect you can cancel your registration and withdraw from the University without liability to the University for future tuition fees. We will provide reasonable support to assist you with transferring to another university if you wish to do so.

Termination of course

In exceptional circumstances, we may, for reasons outside of our control, be forced to discontinue or suspend your course. Where this is the case, a formal exit strategy will be followed and we will notify you as soon as possible about what your options are, which may include transferring to a suitable replacement course for which you are qualified, being provided with individual teaching to complete the award for which you were registered, or claiming an interim award and exiting the University. If you do not wish to take up any of the options that are made available to you, then you can cancel your registration and withdraw from the course without liability to the University for future tuition fees and you will be entitled to a refund of all course fees paid to date. We will provide reasonable support to assist you with transferring to another university if you wish to do so.

When you enrol as a student of the University, your study and time with us will be governed by a framework of regulations, policies and procedures, which form the basis of your agreement with us. These include regulations regarding the assessment of your course, academic integrity, your conduct (including attendance) and disciplinary procedure, fees and finance and compliance with visa requirements (where relevant). It is important that you familiarise yourself with these as you will be asked to agree to abide by them when you join us as a student. You will find a guide to the key terms here , along with the Student Protection Plan , where you will also find links to the full text of each of the regulations, policies and procedures referred to. You should read these carefully before you enrol. Please note that this information is subject to change and you are advised to check our website regularly for any changes before you enrol at the University. A person who is not party to this agreement shall not have any rights under or in connection with it. Only you and the University shall have any right to enforce or rely on the agreement.

The Office for Students (OfS) is the principal regulator for the University.

You may also be interested in...

Mental capacity and mental disorder.

Develop a critical understanding of the Mental Health Act 1983 and The Mental Capacity Act 2005.

Postgraduate

  • NICE Guidance
  • Health and social care delivery
  • Adult's social care

Decision making and mental capacity

Quality standard [QS194] Published: 11 August 2020

Quality standard

  • Tools and resources
  • Quality statements
  • Quality statement 1: Supported decision making
  • Quality statement 2: Advance care plans
  • Quality statement 3: Assessment of capacity

Quality statement 4: Best interests decision making

  • About this quality standard

Quality statement

Quality measures, what the quality statement means for different audiences, source guidance, definitions of terms used in this quality statement.

People aged 16 and over who lack capacity to make a particular decision at the time that decision needs to be made have their wishes, feelings, values and beliefs accounted for in best interests decisions.

When a person lacks capacity to make a particular decision at the time the decision needs to be made, all actions and decisions taken by practitioners must be in the person's best interests. This principle covers all aspects of financial, personal welfare and healthcare decision making and actions.

The person must be placed at the heart of the decision-making process and supported to be involved in the decision-making process as far as possible. Wherever possible this means finding out about the person's past and present wishes, feelings, values and beliefs that would have influenced the decision if the person had capacity. It also means using information included in care plans and advance care plans, consulting with the person's family, carers and advocates and seeking to establish the person's wishes, preferences and values.

For adults (aged 18 and over) particular attention should be paid to advance decisions, lasting power of attorney and court order, including any court-appointed deputy.

a) Evidence of local protocols to ensure that best interests decisions are being made in line with the Mental Capacity Act 2005.

Data source: Local data collection, for example an audit of the best interests decision-making processes.

b) Evidence of systems and protocols that support the decision maker to identify and locate any relevant written statements made by the person when they had capacity, at the earliest possible time.

Data source: Local data collection, for example service level agreements and partnership arrangements between services.

c) Evidence of systems and protocols that ensure the decision maker reviews any relevant written statements made by the person before they make a best interests decision.

d) Evidence of systems and protocols that ensure carers, family, friends or advocates are involved in the best interests decision-making process.

Proportion of significant and trusted people, including family members, carers and independent advocates, who feel included in making best interests decisions for the person who lacks capacity.

Numerator – the number in the denominator who feel included in making best interests decisions for the person they support.

Denominator – the number of significant and trusted people, including family members, carers and independent advocates, for a person who lacks capacity.

Data source: Local data collection, for example a survey of trusted people including family members, carers and independent advocates.

Service providers (such as local authorities, private care providers, GPs, hospitals and community services) ensure that best interests decisions are being made in line with the Mental Capacity Act 2005. They implement processes and protocols, and provide toolkits, to support staff to carry out and record best interests decisions. They also have clear systems in place to support practitioners to identify and locate any relevant written statement or advance care plan made by the person when they had capacity to make decisions.

Health and social care practitioners (such as social workers, care staff, GPs, doctors, nurses and therapists) are responsible for deciding what course of action would be in the person's best interests. They ensure that any best interests decision made reflects the person's wishes, feelings, values and beliefs as far as reasonably practicable. They use a range of approaches to gather information about the person informally, as well as through formal meetings, and to identify any relevant advance care planning documents that may support making the decision. They work with carers, family and friends, advocates, attorneys and deputies to find out the person's wishes, feelings, values and beliefs in relation to the specific decision and to understand the person's decision-making history.

Commissioners (such as local authorities, clinical commissioning groups, NHS England) ensure that they commission services in which decisions are being made in line with the Mental Capacity Act 2005. They ensure that people aged 16 and over who lack capacity remain involved in the decision-making process. They also ensure that health and social care practitioners have the skills, facilities and resources that allow them to establish the person's wishes, feelings, values and beliefs.

People aged 16 and over who are not able to make decisions are involved as much as possible when decisions are made about their care and support. Health and social care staff use the information they have about their wishes, feelings, values and beliefs when making a decision about their care and support.

Decision-making and mental capacity. NICE guideline NG108 (2018), recommendations 1.5.6 and 1.5.14

Best interests decision

When a person does not have capacity to make a decision, all actions and decisions taken by practitioners, or their attorney or court-appointed deputy must be done or made in the person's best interests. Any relevant written statements expressing the individual's views about the decision in question should be taken into account and given appropriate weight. Health and social care organisations should provide toolkits to support staff to carry out and record best interests decisions. These toolkits should include:

how to identify any decision-making instruments that would have an impact on best interests decision making occurring (for example a lasting power of attorney, advance decisions to refuse treatment, court orders)

when to instruct an independent mental capacity advocate

a prompt to consult interested parties (for example families, friends, advocates and relevant professionals) and a record of who they are

guidance about recording the best interests process and decision. This may include, for example, a balance sheet, which may assist in documenting the risks and benefits of a particular decision

instructions on what information to record, ensuring this covers:

a clear explanation of the decision to be made

the steps that have been taken to help the person make the decision themselves

a current assessment concluding that the person lacks the capacity to make this decision, evidencing each element of the assessment

a clear record of the person's wishes, feelings, cultural preferences, values and beliefs, including any advance statements

the concrete choices that have been put to the person

the salient details the person needs to understand

the best interests decision made, with reasons.

[ NICE's guideline on decision-making and mental capacity , section 1.5 on best interests decision making]

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Best Interests Assessor

personal statement for best interest assessor

Key Information

Programme type.

Short Course

Next Start Date

Course overview.

This course gives students the opportunity to attain the qualification required to carry out the duties of Best Interests Assessors, as required by the Deprivation of Liberty Safeguards (DOLS) regulations. It is open to professionals from social work, nursing, occupational therapy, and psychology who have at least two years post-qualifying experience.

On completion of this module students are expected to be able to:

- Demonstrate the critical ability to keep appropriate records and to provide clear and reasoned report in accordance with legal requirements and good practice - Demonstrate the professional knowledge and skills necessary to obtain, evaluate, and analyse complex evidence and differing views and to weigh them appropriately in decision making - Critically apply knowledge of relevant legislation and codes of practice (including the Mental Health and Mental Capacity acts and the DOLS regulations).

Key Features

Opportunities for shadowing

Multiple start dates through the year

Delivered by experienced healthcare professionals

Designed for practitioners

Someone sat talking to another person whilst taking notes

Entry Requirements

For this module there is a minimum post-qualification experience requirement of two years. 

How You Study

This course uses a blend of classroom based sessions such as lectures from experts, class discussions, and small group work on relevant case studies. Alongside these, there are some practice based activities.

There will also be opportunities to shadow a Best Interest Assessor for a minimum of one case.

How you are assessed

Assessment on this course is comprised of two elements:

- A 45 minute unseen multiple choice exam, worth 25 per cent of the overall module marks - A written portfolio, equivalent to 3,000 words, comprised of a detailed case study involving a best interests assessment scenario (60 per cent) and a critical reflective piece (40 per cent), which makes up the remaining 75 per cent of the overall module marks

To pass students must achieve a minimum of 50 per cent in each assessment element.

Explore Flexible Learning

From short courses and microcredentials, to professional development modules and fully online Master’s degrees, we offer a range of flexible programmes to suit your individual needs. Our suite of programmes uses a variety of delivery methods, including online-only, face-to-face, blended, and distance-learning approaches.

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Best Interests Assessor

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  • Health and social care CPD courses
  • Short courses and modules

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**Please note that the February 2024 intake is now closed for applications**  

Introduction

Best Interests Assessors are needed to ensure that decisions about patients/ service users which affect their liberty are taken with reference to their human rights and to safeguard their best interests (Deprivation of Liberty Safeguards).

Who the module is aimed at 

Professionals including Social Workers, Nurses, Occupational Therapists and Chartered Psychologists who already demonstrate a high level professional practice in their specialism. You will be able to work independently and autonomously and have a working knowledge of the Mental Capacity Act (2005) and human rights legislation.

You will have a minimum of 2 years post qualifying experience.

Benefits of taking the module to the individual, the organisation and the patient

Health and social care organisations have to request assessments on those patients and service users where decisions need to be taken.  This module meets the requirements of the DoLS regulations, covering the expected skills and knowledge of a Best Interest Assessor.

Patients need the safeguards to be in place to ensure any decisions about their health and care are taken in their best interests and to help protect their liberty.

What you learn 

Aims are to equip you to have legal and policy knowledge and practice assessment skills to be able to undertake the role of BIA to a competent level.

You will be able to gather relevant information from a range of sources, weigh up evidence to inform sound decision making and complete legal paperwork to a high standard.

General areas covered 

  • Mental Capacity Act (2005) and DoLS Codes of Practice
  • Other legislation - e.g. Human Rights and Mental Health Act (1983)
  • Assessment, judgments and decision making in complex risk situations

Fees and Funding for 2023/24

Entry requirements.

• Relevant professional qualification - Social Work, Occupational Therapy, Nursing or Chartered Psychology (in practice) • A minimum of 2 years post-qualification work experience in Health and Social Care • Experience of carrying out capacity assessments and knowledge of the Mental Capacity Act • Access to shadow 3-4 BIA/DoLS assessments must be available

If you are being sponsored by your employer, please indicate on the application form that they are offering you the required shadowing opportunities.  If you are self-funded or your employer does not have DoLS responsibilities, they you must provide a letter from a DoLS Team Manager stating that they are willing to offer you the shadowing opportunities.

Delivery Method:

This module is delivered via distance learning

View our statement on notional study hours »

Provisional timetable

*Please note that the February 2024 intake is now full*

The next available intake runs in February 2024, on the following dates:

View our statement on timetable changes »

Module assessment is made up of one or more assessment tasks. The assessment task(s) for this module are:

  • Written Assignment
  • Viva: typically, a combination of a presentation/demonstration to one or more academics, with discussion, questioning and oral feedback

Successful completion of this module will earn you 15 level 7 credits

Further details

For further information please contact the module leader Alan Marshall - [email protected] or contact the student experience team:

[email protected]

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personal statement for best interest assessor

+44 (0) 20 7549 2549 [email protected]

Best interest assessor course and qualification, public course: £1395 + vat, in-house course: call for details, qualification: the best interest assessor module is a master level 7 qualification worth 20 credits, duration: 4 days, key learning points.

By the end of the course delegates will be able to:

• Examine up to date case law in relation to mental capacity and deprivation of liberty.

• Explore both form and substance of evidence required from the BIA on the Form 3 assessments.

• Consider the importance of the role of the RPR to include relevant case law.

• Explore and consider up to date policy and research

Knowledge & Understanding

  • Demonstrate a comprehensive knowledge and critical understanding of the concepts of capacity and risk, provisions of the Mental Capacity Act 2005 (MCA) and Deprivation of Liberty Safeguards (DoLS) and their codes of practice and the wider legal framework and relevant case law.
  • Demonstrate a critical understanding of the importance of providing record-keeping and reporting that clearly justifies reasoned decisions made in accordance with legal requirements and good practice.
  • Demonstrate a critical understanding of the importance of a clear, sensitive approach in communication skills with the relevant key consultees, carers and advocates, as well as the service user within the process.

Cognitive & Intellectual Skills

  • Integrate and synthesise knowledge of the MCA, DoLS, and the surrounding legal framework, into complex practical situations faced in daily practice.
  • Synthesise information to make professional and independent judgements in complex situations in their role.
  • Collate, analyse, and evaluate complex evidence and different views to make informed, ethical decisions.

Practical & Professional Skills

  • Demonstrate a critically reasoned application of the process, procedures and documentation of the DoLS and its code of practice, including an ongoing commitment to anti-discriminatory and anti-oppressive practice.
  • Critically appraise and manage their own values in relation to the value base of their profession and the sensitive nature of the subject.
  • Demonstrate an advanced ability to operationalise the principles and practice of risk analysis and risk assessment.
  • Demonstrate the ability to make professional, and independent judgement and decisions determining Deprivation of Liberty, Best Interests and duration of an authorisation.

Important Notification: 

The course is comprised of four interactive days of training . The module will either be delivered over four consecutive days, or in two blocks of two days over the course of the same month. Students are also expected to carry out directed self-study before the course, and are required to complete two post-course assignments.

**2024 Dates**

April, May and June dates FULLY BOOKED

We plan to run an another course in June/July. Email: [email protected] to be added to the waitlist

  • 23-26 April 2024 ( FULLY BOOKED)
  • 1-2 & 7-8 May 2024 (FULLY BOOKED)
  • 25- 28 JUNE 2024 (FULLY BOOKED)
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The fee is £1395 + VAT  per person.

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If you are looking at training for eight or more people, please call the office on 020 7549 2549 as it may be more cost effective to run an in-house/closed course.

Entry requirements

There are nationally set entry requirements in order to become a BIA:

  • At least two years post-qualifying experience as either a social worker, occupational therapist, nurse, or chartered or registered psychologist.
  • Registered with the appropriate professional body.
  • Working knowledge of the Mental Capacity Act 2005 and Human Rights Act 1998.
  • Be able to directly observe a best interest assessment being conducted after attending the module.

The fee includes:

  • 4 days of interactive training
  • University Enrolment Fees
  • Marking Fees
  • Awarding of BIA Qualification
  • Comprehensive Training materials
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  • 15% off future BIA Legal Update courses
  • Access to NUS student card
  • Access to Bond Solon’s BIA LinkedIn page

To book this course:

1. check availability, 2. select a date, need some help call or e-mail us.

If several of your colleagues are interested in this course, it may be more effective to run this course in-house at your organisation. To discuss this further, please call us on +44 (0) 0207 549 2549 or contact us via email.

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1. Payday Loans

2. no-credit-check loans, 3. unsecured personal loans, 4. retirement plan loans, 5. pawnshop loans, alternatives to easy loans, the bottom line.

  • Personal Loans

What Are the Easiest Personal Loans To Get Approved for?

Certain types of loans have minimal requirements and offer fast funding, but they are often more expensive as a result

personal statement for best interest assessor

If you need to borrow money, you may be able to get a fast and easy loan or a cheap loan, but probably not both. The easiest loans to get approved for may help you get the cash you need quickly, but there are pitfalls to avoid as well as fine print that you should read carefully before you move forward. The best emergency loans for bad credit offer you fast funding for a car repair, medical bill, or something else.

Key Takeaways

  • Some of the easiest loans to get approved for if you have bad credit include payday loans, no-credit-check loans, and pawnshop loans. 
  • Personal loans with essentially no approval requirements typically charge the highest interest rates and loan fees.
  • Before you apply for an emergency loan, make sure you read the fine print so you know exactly what your costs will be.

Payday loans are a type of funding that require you to pay back what you owe on your next payday, hence the name. According to the Consumer Financial Protection Bureau (CFPB) , there are no set rules that govern which loans are considered payday loans, although all loans in this category tend to be short-term in nature and exorbitantly expensive.

Most payday loans are for $500 or less, and these loans require a postdated check that has you paying off the loan balance the next time you expect to get paid by an employer or through other means like Social Security . The biggest problem with payday loans is the fact that, because they’re often short-term with no credit check required, borrowers can wind up paying interest rates of 400% or higher in the end. Because of the high costs, payday loan users often get caught in a payday loan “trap,” where they are stuck borrowing over and over again to keep up with expenses and bills.

No-credit-check loans can also be referred to as bad credit loans , mostly because they are taken out by people who couldn’t get approved based on their credit score . Because most lenders require a minimum credit score of at least 670 for traditional personal loans, this means no-credit-check loans are geared to borrowers with scores below that range.

Despite the fact that these loans are easy to get approved for, bad credit loans can be punishing due to their incredibly high costs. In fact, interest rates on some no-credit-check loans can be as high as 160% with some lenders .

If you have a fair credit score, which includes FICO scores from 580 to 669, you may be able to qualify for an unsecured personal loan from a traditional lender. However, individuals with scores at the lower end of that range will find fewer available options overall, and they may not like what they see when they check. 

For example, OneMain Financial , is known for offering unsecured personal loans for individuals with imperfect credit. However, interest rates for their installment loans can be as high as 35.99%, and they charge origination fees of up to 10% of the loan amount.

Because unsecured personal loans for fair credit come with less-than-ideal terms, they are often referred to as emergency loans . This means you should only get one in an emergency, if you truly need the money, and if better options aren’t available when you need them.

If you desperately need money and you have some retirement savings built up in a traditional plan, you may be able to borrow from your own assets. With a 401(k) loan , for example, you can borrow from your account balance without a credit check. From there, you pay back what you borrowed to your own account, plus interest , over time.

That said, the Internal Revenue Service (IRS) has some warnings about 401(k) loans:

  • First off, not paying back the loan according to its terms can mean the money you borrow becomes a distribution from your account.
  • You also may be required to pay back the loan in full almost immediately if you leave your job.
  • You’re also siphoning funds from your account that are supposed to be compounding over time to help pay for your retirement.

For all these reasons and others, borrowing from your 401(k) should only be done as a last resort.

Finally, you also can “pawn” items you don’t need at a pawnshop and get access to cash that way. This move has you agreeing to loan terms that are never in your favor, although the rates and terms of pawnshop loans vary widely.

When you pawn an item, or let a pawnshop hold it temporarily in exchange for cash, you won’t get anywhere close to the value of your item. The pawnshop also has the right to sell your item if you don’t repay the loan based on the original terms that you agreed to.

That said, pawnshop loans don’t require a credit check and are easy to get approved for if you have anything of value that you can stand to lose. For example, you could take out a pawnshop loan with old jewelry or electronics as collateral .

If you want to avoid overpaying when you borrow, your best bet is looking for more traditional loan options. Alternatives to easy loans include the following:

  • Banks and credit unions : Local banks and credit unions may offer funding options that you can qualify for, and all you have to do is inquire to find out. That said, you may have better luck getting approved for the best personal loans if you apply with a bank or credit union that you have an existing relationship with.
  • Borrow from family or friends : Ask family members and friends if they will lend you money for emergency use. Keep in mind that you may be putting your relationship on the line if you fail to pay the money back.
  • Credit cards : If you need a line of credit that you can use to make purchases or pay bills, a credit card can be a valuable tool. Just remember that the best credit card options go to those with good credit, and that credit cards for fair credit and bad credit charge higher interest rates and more fees.
  • Online lenders : A range of online loan companies offer personal loans that can be secured or unsecured. Most also make it easy to apply online, and some let you “check your rate” and gauge your approval odds before you formally apply.
  • Payment plan : If you owe money to a lender or any other company, you can always ask about payment plans. For example, it’s not uncommon for hospitals and other medical providers to offer payment plans for services rendered.

What Is the Lowest Credit Score Required to Borrow Money?

Some lenders let you borrow money with no credit check required , meaning you can get approved with no credit score or a very low score. However, rates and fees for bad credit loans tend to be significantly higher.

How Long Does It Take to Get Loan Funds?

How long it will take to get loan funds varies depending on the lender, but some lenders offer fast loan funding in as little as a few business days.

What Is the Easiest Bank to Get a Personal Loan from?

The easiest bank to get a personal loan from varies based on your income, credit history , and where you live. To find out which lenders might approve you, look for companies that let you “check your rate” and gauge your approval odds before you apply.

How Do People Use Personal Loans?

Investopedia commissioned a national survey of 962 U.S. adults between Aug. 14, 2023, to Sept. 15, 2023, who had taken out a personal loan to learn how they used their loan proceeds and how they might use future personal loans. Debt consolidation was the most common reason people borrowed money, followed by home improvement and other large expenditures.

The easiest loans to get approved for are rarely the best. You might actually be able to get several loans of this type . After all, lenders that don’t require decent credit or even a credit check have to charge higher interest rates and more fees to account for the additional risk they take on, so they likely are benefiting from making a number of such loans available.

With that in mind, you should only take out a personal loan if you absolutely have to—and if you know for a fact you can pay the money back, plus interest and fees, in a reasonable amount of time. If you borrow more than you need and can’t make payments , you can wind up paying more than you should and ruining your credit score along the way. Ultimately, that’s why you should avoid easy loans and wait it out until you can qualify for more affordable loan options if you possibly can.

Consumer Financial Protection Bureau. “ What Is a Payday Loan? ”

Consumer Financial Protection Bureau. “ What Are the Costs and Fees for a Payday Loan? ”

myFICO. “ What Is a Credit Score ?"

OneMain Financial. “ Personal Loans .”

OneMain Financial. “ Loan Amounts and Fees Page .”

Internal Revenue Service. “ Considering a Loan from Your 401(k) Plan ?"

EZPAWN. “ Loans with No Credit Check .”

Experian. “ Why Do Higher Credit Scores Mean Better Interest Rates ?"

Consumer Financial Protection Bureau. “ What Should I Know About Medical Credit Cards and Payment Plans for Medical Bills ?"

Compare Personal Loan Rates with Our Partners at Fiona.com

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medRxiv

Race/ethnicity and socioeconomic status affect the assessment of lipoprotein(a) levels in clinical practice

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Background and Objective: High Lp(a) levels are a risk factor for ASCVD, however Lp(a) ordering in clinical practice is low. This study examines how race/ethnicity and socioeconomic status influence Lp(a) ordering. Methods: This is a single center, retrospective study (2/1/2020-6/30/2023) using electronic medical records of adults with at least one ICD-10 diagnosis of ASCVD or resistant hyperlipidemia (LDL-C >160 mg/dL on statin therapy). We evaluated Lp(a) level differences among racial/ethnic groups and sexes. We also assessed associations between diagnosis type, diagnosis number, age at diagnosis, race, socioeconomic score (based on zip codes), public health coverage and presence of Lp(a) orders. Results: 4% of our cohort (N=56,833) had an Lp(a) order (17.3% Hispanic, 8.7% non-Hispanic Black, 47.5% non-Hispanic White and, 27% Asian/others). Non-Hispanic Black and Hispanic patients had lower rates of Lp(a) orders (0.17%, 0.28%, respectively) when compared to non-Hispanic White patients (2.35%), p<0.001, however, their median Lp(a) levels were higher. Individuals belonging to deprived socioeconomic groups or on Medicaid, were less likely to have an Lp(a) order (RR=0.39, p<0.001 and RR=0.40, p<0.001 respectively). Certain diagnoses (carotid stenosis, family history of ASCVD and FH) and multiple diagnoses (>2) resulted in more Lp(a) orders compared to those with only one diagnosis (p<0.001). Conclusions: Lp(a) ordering is low in patients with ASCVD. Non-Hispanic Black and Hispanic patients at risk are less likely to have an Lp(a) order. Individuals residing in socioeconomically deprived neighborhoods and on Medicaid are also less like have Lp(a) order. Lp(a) orders depend on the type and number of patients' diagnoses.

Competing Interest Statement

The authors have declared no competing interest.

Funding Statement

Funding for this study was provided by T32HL007343 (M.P.), R01 HL 139759 (G.R.S), UL1TR001873 (G.R.S), partial funding for MP stipend and manuscript processing funds were supported by a donation from Robin Chemers Neustein to the Reyes-Soffer Laboratory. Genome Center of Alzheimer's Disease (GCAD), 5U54AG052427-07 (YL salary support).

Author Declarations

I confirm all relevant ethical guidelines have been followed, and any necessary IRB and/or ethics committee approvals have been obtained.

The details of the IRB/oversight body that provided approval or exemption for the research described are given below:

IRB of Columbia University Medical Center gave ethical approval for this work.

I confirm that all necessary patient/participant consent has been obtained and the appropriate institutional forms have been archived, and that any patient/participant/sample identifiers included were not known to anyone (e.g., hospital staff, patients or participants themselves) outside the research group so cannot be used to identify individuals.

I understand that all clinical trials and any other prospective interventional studies must be registered with an ICMJE-approved registry, such as ClinicalTrials.gov. I confirm that any such study reported in the manuscript has been registered and the trial registration ID is provided (note: if posting a prospective study registered retrospectively, please provide a statement in the trial ID field explaining why the study was not registered in advance).

I have followed all appropriate research reporting guidelines, such as any relevant EQUATOR Network research reporting checklist(s) and other pertinent material, if applicable.

Data Availability

All data produced in the present work are contained in the manuscript

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COMMENTS

  1. Ultimate Best Interests Assessor (BIA) Essay Sample

    However, it is recommended that the best interests assessment, which is likely to be the most time-consuming, is not started until the other five qualifying requirements are met (DOLS COP 4.20). These assessments must be carried out by a minimum of two assessors - a mental health assessor and a Best Interests Assessor (BIA) (DOLS COP 4.13).

  2. PDF Report writing for best interests assessors

    The best interests assessor's report must explain and evidence how you reached your conclusion in relation to these questions. The DoLS code of practice (4.66) says: "It is essential that the best interests assessor provides an independent and objective view of

  3. What is a Best Interests Assessor and how do you become one?

    Becoming a Best Interests Assessor involves a combination of education, relevant experience, and acquiring specific skills. Typically you will need to: Obtain a relevant qualification in Social Work, such as a Bachelor's or Master's degree. Work in social work or a related field to gain practical experience.

  4. Social Worker Personal Statement

    This example personal statement will inspire you to write your own unique social work, ... The creator of Social Work Haven. I am a Social Worker, Practice Educator Mentor, and Best Interests Assessor. I created this motivational and educational blog focused on empowering social workers and providing content about social work, personal ...

  5. DoLS: Best interests assessment

    Best interests assessors are the lynchpin on which the entire edifice of DoLS rests, and they have a range of duties that fall to them within the operation of the Safeguards. Best interests assessors are often the main assessors though a mental health assessor may also assess capacity. They are responsible for ascertaining that the person is 18 ...

  6. Writing a best interests assessment report: key tips

    The first, and most important advice given to anyone writing a report is to be aware of who your audience will be. Carrying out a best interests assessment is a complex but vital task. Its purpose is to decide whether a deprivation of liberty is happening or may happen, and if it is whether this is in the best interests of the person affected.

  7. DoLS in focus: The role of the Best Interest Assessor (BIA)

    The primary role of a Best Interest Assessor (BIA) is to complete the Mental Capacity Assessment and Best Interest Assessment steps within the DoLS process. These are recorded as part of Form 3. They can also be commissioned by the Supervisory Body to complete 'Age' and 'No Refusals' steps if required. Mental Capacity Assessment

  8. Best Interests Assessor Practice Handbook, Rachel Hubbard and Kevin

    The Best Interests Assessor Practice Handbook is perhaps long overdue bearing in mind the length of time BIA's have been practising. However, it is a necessary textbook that arrives at a crucial juncture for the BIA role, where the amendments under the Mental Capacity Amendment Act 2019, which recently received Royal Assent, will lead to ...

  9. PDF Best interests decision-making for adults who lack capacity

    information about the assessment of capacity or consent, or about decision-making for children and young people, you should refer to ... Best interests: any act done or decision made for, ... and contains a statement that it is to apply even where life is at risk.2 You . British Medical Association Best interests decision-making for adults who ...

  10. Expert tips on how to improve your best interests assessor reports

    Use the balance-sheet approach which involves weighing up and analysing the burdens and benefits of all available options; although only the actual and reasonably foreseeable options available. Base reasoning on the law. Ensure your reasoning is based on the law and code of practice. A good BIA report will demonstrate that you have considered ...

  11. The Best Interests Assessor Practice Handbook

    The Best Interests Assessor Practice Handbook - Second edition; Essential reading for Best Interests Assessor students and practitioners, this fully-updated handbook gives practical advice on the legal aspects, values and practice elements of the role. It takes account of the Mental Capacity Amendment Act 2019 and the new context for practice in the Approved Mental Capacity Professional role.

  12. Template report for the best interests assessment

    This report (or an amended version) could be submitted to the supervisory body where a standard authorisation is to be granted. Person's details. Reason for best interests assessment: request for standard authorisation, review, potential unlawful deprivation of liberty. Role of person completing this report: 39A IMCA/ 39C IMCA / 39D IMCA ...

  13. PDF Best Interests Assessor role: an opportunity or a 'dead end' for adult

    The Best Interests Assessor (BIA) role was created as part of the Deprivation of Liberty Safeguards (DoLS) amendment (2007) to the Mental Capacity Act (MCA) (2005) in England ... Knowledge and Skills Statement for Social Workers in Adult Services (Department of Health, 2015a) puts work using the wider MCA firmly at the heart of the early ...

  14. PDF Best Interest Assessor Capabilities

    person's best interests The BIA is able to demonstrate: 5.1 An understanding of: (i) What constitutes 'best interests', as set out within the MCA, codes of practice and case law (ii) The DoLS assessment process including the role of the Mental Health Assessor and IMCA (iii) The implications of a range of treatments and

  15. PDF Best Interests Assessor

    of the Best Interest Assessor, Mental Health Assessor and other professionals involved in the decision making process and understand what constitutes a deprivation of liberty. 3. Critically analyse and apply the ability to promote the rights, dignity and self-determination of people who may lack capacity within a culturally

  16. Practice of Best Interest Assessor

    The Best Interest Assessor (BIA) training is open to registered practitioners from the following professional groups: Registered Social Workers. First level Nurses, registered in Sub-Part 1 of the Nurses' Part of the Register maintained under article 5 of the Nursing and Midwifery Order 2001. Occupational Therapists registered in Part 6 of the ...

  17. Report writing for best interests assessors

    4.4 Demonstrate good subject knowledge on key aspects of social work practice and develop knowledge of current issues in society and social policies impacting on social work. 4.5 Contribute to an open and creative learning culture in the workplace to discuss, reflect on and share best practice. 4.6 Reflect on my learning activities and evidence ...

  18. Best Interest Assessor

    Assessment will include a Best Interest Assessor assessment and a critical analysis. Your module specification/course handbook will provide full details of the assessment criteria applying to your course. Feedback (usually written) is normally provided on all coursework submissions within three term time weeks - unless the submission was made ...

  19. Quality statement 4: Best interests decision making

    Structure. a) Evidence of local protocols to ensure that best interests decisions are being made in line with the Mental Capacity Act 2005. Data source: Local data collection, for example an audit of the best interests decision-making processes. b) Evidence of systems and protocols that support the decision maker to identify and locate any relevant written statements made by the person when ...

  20. Best Interests Assessor

    How you are assessed. Assessment on this course is comprised of two elements: - A 45 minute unseen multiple choice exam, worth 25 per cent of the overall module marks. - A written portfolio, equivalent to 3,000 words, comprised of a detailed case study involving a best interests assessment scenario (60 per cent) and a critical reflective piece ...

  21. Best Interests Assessor

    [email protected]. City Campus, Howard Street Sheffield S1 1WB UK. Study our Best Interests Assessor module at Sheffield Hallam University and learn the skills needed to become a Best Interests Assessor and gain a working knowledge of the Mental Capacity Act and the human rights legislation.

  22. Best Interest Assessor Course And Qualification

    Be able to directly observe a best interest assessment being conducted after attending the module. The fee includes: 4 days of interactive training; University Enrolment Fees; Marking Fees; Awarding of BIA Qualification; Comprehensive Training materials; Access to the University's online learning system and e-library; 15% off future BIA Legal ...

  23. PDF School of Social Sciences Best Interests Assessor Application MA

    Candidates applying for the Best Interests Assessor module will also need to provide the following: Please provide a statement from a line manager or registered professional who is suitably placed to verify your experience and ability to work to the requirements of the Mental Capacity Act. Name: Professional Role: Relationship to applicant:

  24. Deep continual multitask out-of-hospital incident severity assessment

    Competing Interest Statement. The authors have declared no competing interest. Funding Statement. This work has received support from the Ministry of Science, Innovation, and Universities of Spain through the FPU18/06441 program and the KINEMAI project (PID2022-138636OA-I00). Author Declarations

  25. A Quantitative Assessment of Visual Function for Young and Medically

    Competing Interest Statement. The authors have declared no competing interest. Funding Statement. This work was supported by the EyeSight Foundation of Alabama, Alie B. Gorrie Low Vision Research Fund and Research to Prevent Blindness. Additional support came from the National Institutes of Health [UL1 TR003096 to R.O.] and Grant T32 HS013852.

  26. Prenatal Pyrethroid Exposure, Placental Gene Network Modules, and

    These results offer valuable insights for future risk assessment and intervention strategies. ### Competing Interest Statement The authors have declared no competing interest. ### Funding Statement This study was Supported by the US National Institutes of Health (NIH) National Institute of Environmental Health Sciences (NIEHS) grants ...

  27. What Are the Easiest Personal Loans To Get Approved for?

    Key Takeaways. Some of the easiest loans to get approved for if you have bad credit include payday loans, no-credit-check loans, and pawnshop loans. Personal loans with essentially no approval ...

  28. Commensal or pathogen: computational vectorizing microbial ...

    Bacterial pathogenicity has traditionally focused on gene-level content with experimentally-confirmed functional properties. Hence, significant inferences are made based on similarity to known pathotypes and DNA-based genomic subtyping for risk. Herein, we achieved de novo prediction of human virulence in Klebsiella pneumoniae by expanding known virulence genes with spatially proximal gene ...

  29. SAUSI: a novel assay for measuring social anxiety and motivation

    Here, we created a new behavioral task - Selective Access to Unrestricted Social Interaction (SAUSI), which combines elements of social motivation, hesitancy, decision-making, and free interaction to enable the wholistic assessment of social anxiety-like behaviors in mice. Using this novel assay, we found that social isolation-induced social ...

  30. Race/ethnicity and socioeconomic status affect the assessment of

    Background and Objective: High Lp(a) levels are a risk factor for ASCVD, however Lp(a) ordering in clinical practice is low. This study examines how race/ethnicity and socioeconomic status influence Lp(a) ordering. Methods: This is a single center, retrospective study (2/1/2020-6/30/2023) using electronic medical records of adults with at least one ICD-10 diagnosis of ASCVD or resistant ...