Last updated: 9 October 2026
1. Who we are
CHCexpert (chcexpert.co.uk) is run by Karol Slusarczyk, trading as Benefits Expert, a sole trader based in the United Kingdom and registered with the Information Commissioner's Office (ICO:00014179042). We are not a firm of solicitors, a claims management company, a medical practice or part of the NHS or any government body. "We", "us" and "our" mean Benefits Expert; "you" means the person using the service. You can reach us at support@benefitsexpert.co.uk.
2. What the service is
CHCexpert is an online tool for families in England preparing for an NHS Continuing Healthcare assessment. You describe a person's care needs in your own words and our system writes guidance documents from what you enter. There is a free preview of one assessment area and two paid packs, each a one-off payment:
- Pre-MDT Family Pack, £99.99: a family statement for each of the 12 care domains of the Decision Support Tool, a summary of the four key characteristics, a family comment for the integrated care board (ICB), questions for the MDT meeting, an evidence list, a 7-day care diary and a meeting-day plan.
- Family Pack + Local Resolution Letter, £149.99: everything in the Pre-MDT Family Pack, plus a local resolution request letter to the ICB and guidance on asking NHS England for an independent review. If the decision has already been made, everything is written at once. If it has not, your order confirmation email contains a personal letter link: when the decision arrives, open it within 12 months of your purchase to write the letter. The link is for your order only and writes the letter once; if writing it fails, the link stays usable so you can try again. If you need help with it, email us.
Everything we write is guidance only, not legal advice and not medical advice. NHS Continuing Healthcare is the name of the NHS funding; CHCexpert is independent and is not part of the NHS. The service covers England only.
3. What we do not do
- We do not decide or influence eligibility. The multidisciplinary team recommends and the ICB decides.
- We do not contact the NHS, the ICB or anyone else for you, and we do not attend meetings.
- We do not recover care fees, make claims for past periods or work on a "no win, no fee" basis.
4. Your responsibilities
When you use CHCexpert, you agree that:
- you have the person's agreement to use their health information, or you hold a registered lasting power of attorney or are a court-appointed deputy;
- everything you enter is true to the best of your knowledge;
- you will read every word we write and change anything that is not accurate before you share it; and
- you will not send anything untrue or exaggerated to the NHS, the ICB or anyone else. You are responsible for what you share.
5. No promise about the outcome
We do not promise, and cannot promise, any particular result. Our aim is to help you describe the person's actual needs clearly and honestly in the terms the assessment uses. Where your account fits a lower level, our documents say so.
6. Acceptable use
You may use CHCexpert to prepare for the assessment of a person you are supporting. You must not use it to create false or misleading information, resell or share access to it or its output as your own product, copy, scrape or disrupt it, or use it in any way that breaks the law.
7. Intellectual property
The website, its design, our templates and our prompts belong to us. The documents we write for you, from the details you provide, are yours to use for the person's assessment.
8. Limitation of liability
We take reasonable care to provide a helpful service, but we provide it "as is". To the extent the law allows, we are not liable for any loss resulting from an eligibility decision, from errors in the information you gave us or from how you use our documents. Nothing in these terms limits any right you have under UK consumer law that cannot lawfully be limited, including your rights under the Consumer Rights Act 2015.
9. Refunds and cancellation
What you buy is personalised digital content, supplied as soon as you ask us to write it. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the usual 14-day right to cancel does not apply once supply has begun with your consent: by starting to write your pack you ask us to begin straight away and acknowledge that you lose that right once it has begun.
If a technical fault on our side stops your pack being delivered, and we cannot put it right, we will refund you in full. Email support@benefitsexpert.co.uk and we will sort it out. This does not affect your other statutory rights.
10. Governing law
These terms are governed by the law of England and Wales, and the courts of England and Wales deal with any dispute.
11. How to contact us
If you have any question about these terms or your order, email support@benefitsexpert.co.uk.