Nancy's story

My husband and I emigrated to Canada with a tiny baby and 2 little children. He set up an accountancy practice and as the children got older, I worked alongside him. They were happy times.

By the time we reached our 70s, it was becoming clear that it was time to close the business and downsize our large and remote home. I spent 3 years in and out hospital being treated for stomach cancer. The children grew up and moved away so we didn't have much in the way immediate support. My husband was struggling with his mental and physical health. He was taking sleeping pills and anti-depressants. Then we discovered he needed gallbladder surgery - the other medications he was on had made this difficult to diagnose. Everything fell to me. I had to cope with closing down the practice myself.

When out for a walk, I fell and broke my wrist. At the hospital after, a nurse noticed my husband was dragging his foot. He was diagnosed with a form of Parkinson's disease. Our daughters put a huge amount of time and expense into helping us relocate to a more practical home in Ontario. There are local services that we benefit from greatly. And our loved ones - near and far - have been wonderful. But as our needs grew, I decided to contact caba.

how caba helped me

Asking for help is a challenge for people of our generation. caba were exceptional - from the very first instance. They are respectful, non-judgemental, and very understanding.

caba have done so much to improve our quality of life. They helped us work out a payment plan for outstanding debt. Caring puts pressure on a relationship when we're tired and struggling to manage and caba recognised how demanding my husband's health was for me. They contributed towards the cost of a carer who visits twice a day to help my husband get up and shower in the morning, and get him ready for bed every night. I don't think I would be strong enough to do that now. Canadian winter fuel bills are very expensive so it was an enormous relief when caba helped us pay those. They helped us buy a wheelchair too. Now we can get out so much more and keep our independence.

But it's not just the financial and practical things. They're a safety net. It's reassuring to know there's someone there to chat things through. Only recently, I knew I needed to get my eyes checked and update my glasses, but it seemed an extravagant cost. I was able to call caba and talk it over.

caba are like having good friends on the end of the line. They are very professional and act with courtesy and discretion.



are you eligible for caba's services?

caba supports the wellbeing of past and present ICAEW members, ACA students, ICAEW staff members, and their spouses, partners and children up to the age of 25. Our support is free, impartial and strictly confidential. For advice, information and support please click on the button below.

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find out more about our financial health services

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You can access our self-help content for financial advice

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your questions answered 

Who is eligible for support?

We support past and present members of the Institute of Chartered Accountants of England and Wales (ICAEW), ACA students, ICAEW staff members, and the family and carers of members and students. 

  1. No matter where your career takes you, past and present members of the Institute of Chartered Accountants of England Wales (ICAEW) are eligible for caba’s services for life, even if you change your career and leave accountancy 
  2. ACA students (ICAEW Provisional Members) who are either an active student or have been an active student within the last three years are eligible for caba's services 
  3. Past and present staff members of the ICAEW or caba are eligible for caba's services for life, even if you leave either organisation. Please note, for former employees, our financial support is only available to those who have had five years continuous employment with either organisation 
  4. Family members and carers of either an eligible past or present ICAEW member, ACA student or past or present employee of the ICAEW or caba are eligible for caba's support. We define a family member as a: 
    1. spouse, civil partner or cohabiting partner 
    2. widow, widower or surviving civil partner who has not remarried or cohabiting with a partner 
    3. divorced spouse or civil partner who has not remarried or cohabiting with a partner 
    4. child aged up to 25. Please note, children aged between 16 and 25 are not eligible for individual financial support 
    5. any other person who is dependent on the eligible individual supporting them financially or are reliant on the eligible individual’s care 
    6. any other person on whom the eligible individual is reliant, either financially or for care 

You can find out more about our available support both in the UK and around the world on our support we offer  page. 

Are your services means-tested?

If you need financial support, we carry out a means test where we consider income, expenditure, capital and assets.  

*Please note none of our other services are means-tested. 

I’m an accountant, but not a member of ICAEW, can you still help?

Unfortunately not. We only support past and present ICAEW members, their carers and their families. If we are unable to support you, where possible we will point you to help elsewhere.

caba has supported me in the past; can I receive support from caba again?

We understand that circumstances change. If we’ve helped you in the past there’s no reason why we can’t help you again. You can contact us at any time. Please call us if you need our help.

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