build resilience for financial stress in the EHCP process

Financial Stress and EHCP: Navigating Funding Challenges with Resilience

Christopher 'Chigg' Ba(Hons), Dip CBH, MNCH(reg)

Christopher 'Chigg' Ba(Hons), Dip CBH, MNCH(reg)

Founder:Bohangar City Practice: (ex Banking Analyst): Transforming Minds, Cognitive Behavioural Hypnotherapy.

Reading Time: 4 minutes

Raising a child with special educational needs comes with its own set of joys and challenges. While the rewards are immense, the journey can also be accompanied by financial stress, especially when it comes to securing the necessary support through an Education, Health, and Care Plan (EHCP). In this blog post, we will explore the problems families often face in navigating EHCP funding challenges and discuss resilient solutions to overcome these hurdles. The costs begin to escalate when a case is heard at SENDIST, the tribunal process. There are no costs for the court process, and unlike other courts, the Local Authority cannot claim costs against you. However if you are selecting to get someone to represent you, the cost of independent experts, and the financial elements can begin to climb.

Identifying the Problems:

  1. Complex Application Process: The process of applying for an EHCP can be overwhelming. Gathering evidence, attending meetings, and liaising with various professionals can consume a significant amount of time and energy, leaving families exhausted and stressed.
  2. Uncertainty in Funding: Even after successfully obtaining an EHCP, families often find themselves in a state of uncertainty regarding the funding they will receive. Changes in regulations and policies can lead to fluctuating funding levels, making it challenging to plan for the long-term support needed.
  3. Limited Resources: Local authorities are responsible for providing funding for EHCPs, but due to budget constraints, resources may be limited. This often results in delays, reduced support hours, or denial of essential services, leaving families struggling to provide adequate care and education for their children.
  4. Emotional Toll: Dealing with financial stress alongside the emotional demands of caring for a child with special needs can be incredibly taxing. It can strain relationships, impact mental health, and hinder the overall well-being of both parents and the child.

Presenting Resilient Solutions:

  1. Seek Professional Expertise: Navigating the EHCP process can be daunting, but seeking guidance from educational psychologists, special education advocates, and support groups can make a world of difference. They can provide valuable insights into the application process, ensuring that all necessary evidence is gathered and presented effectively.
  2. Plan for the Future: To address uncertainty in funding, it’s essential to create a comprehensive plan for your child’s future. Set up a financial strategy that includes both short-term and long-term goals. Research available grants, benefits, and community resources that can provide additional financial support.
  3. Advocate Effectively: When faced with limited resources, advocating for your child becomes crucial. Attend local authority meetings, join parent support groups, and raise awareness about the challenges you and your child face. By becoming a strong advocate, you can bring attention to the need for adequate funding and support.
  4. Explore Alternative Therapies: While EHCPs provide essential support, exploring alternative therapies and interventions can complement your child’s development. Consider seeking therapy at the Bohangar City Practice, community programs, group therapies, and online resources that can provide additional support without solely relying on EHCP funding.
  5. Focus on Self-Care: Caring for a child with special needs can be all-consuming, but neglecting self-care can exacerbate financial stress and emotional strain. Make time for yourself and your partner, engage in hobbies, and consider therapy or counselling to manage the emotional toll effectively.
  6. Financial Planning: Take a proactive approach to financial planning. Set up a dedicated savings account for your child’s future needs. Investigate special needs trusts and other financial tools that can safeguard your child’s financial well-being in the long run.
  7. Collaborate with Schools: Build a strong partnership with your child’s school or educational institution. Collaborate with teachers, therapists, and administrators to ensure that the EHCP is being implemented effectively. Regular communication can help address any discrepancies and ensure that your child’s needs are being met.
  8. Document Everything: Keep thorough records of all interactions, communications, and expenses related to your child’s care and education. This documentation can serve as evidence in case disputes arise regarding funding or support.
  9. Stay Informed: Regulations and policies surrounding special education and EHCPs can change. Stay informed about updates in legislation and local authority policies to ensure that you are aware of your rights and can advocate effectively for your child’s needs.


Raising a child with special educational needs requires an extra level of resilience, particularly when dealing with the financial stress associated with EHCP funding challenges. By acknowledging the problems families face and implementing resilient solutions, parents can provide the best possible care and education for their children. Seek professional expertise, plan for the future, advocate effectively, prioritize self-care, and collaborate with schools to create a supportive environment where your child can thrive. Remember, you are not alone in this journey, and with determination and resourcefulness, you can navigate the funding challenges with resilience and ensure a bright future for your child.

Note from the Author on this Article ‘Chigg’

The insights and guidance presented in this article stem from a blend of personal encounters with the EHCP review process and a deep-rooted professional understanding of CBH therapy. The author, having personally navigated the intricate maze of the EHCP/SEND process from its initiation to its ongoing stages, brings a unique perspective to the table. This hands-on experience is further enriched by a Diploma in Cognitive Behavioral Hypnotherapy from the esteemed UK College of Hypnosis and Hypnotherapy, and a certification in understanding Autism.

Before venturing into the realm of Cognitive Behavioural Hypnotherapy, the author carved a successful career spanning over two decades in Investment Banking, with significant roles in global hubs like the City of London, Singapore, Frankfurt, and Zurich. This background, although seemingly distinct, instilled a passion for relaxation, self-hypnosis, and the art of simplifying complex problems.

Today, channeling this passion and expertise, the author has established the Bohangar City Practice. This venture is a testament to their commitment to assisting others through Cognitive Behavioural Hypnotherapy, drawing from both their professional training and personal journey with SEND. This article, thus, stands as a credible and empathetic guide for parents embarking on or navigating the EHCP review process.

Disclaimer, Please Read: The information provided in this article is for illustrative and informational purposes only. It does not establish a therapist-patient relationship. For medical issues or emergencies, always consult with a licensed medical professional. For non-clinical challenges related to stress, anxiety, and other emotional or behavioural concerns, considering a consultation with a therapist may be beneficial. Bohangar City Practice is a registered Cognitive Behavioural Hypnotherapy practice, specializing in combining cognitive behavioural techniques with hypnosis to address various challenges and promote well-being. Any questions, please do reach out

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Are you a Parent of a child with SEN? Are you struggling to cope?

Bespoke Cognitive Behavioural Hypnotherapy for Parents struggling with SEN, EHCP, School, Local Authorities Maze


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