Hi Laura,
From our experience, it varies on what LAs and other funders will cover in terms of redundancy - some do expect this to be paid by the service user. All employers should have an appropriate employer insurance policy in place and some policies will also include cover for redundancy payments. How much they’ll pay for redundancy will depend on the level of cover though, and they will likely also take into account the individual’s estate (if applicable) when calculating how much they will pay.