Chapter 4

Question 1

Is unpaid care regulated by the CQC?

Answer 1

No

Question 2

What is the difference between PMI and Health Cash Plans?

Answer 2

PMI pays the benefits direct to the provider, whereas health cash plans pays to the policyholder. PMI is usually also more expensive

Question 3

3 examples of care that is not typically covered with health cash plans:

Answer 3

Respite care
Hospital stay due to existing conditions
Cost of treatment

Question 4

What is the Disabled Facilities Grant?

Answer 4

Designed to help disabled individuals modify their homes, and is a means tested grant with a maximum payout of £30,000 (£25,000 in Northern Ireland)

Question 5

PMI will typically cover what kind of conditions

Answer 5

Acute conditions

Question 6

If care is jointly funded by the local authority and the individual, how does the care home usually receive payment?

Answer 6

From the local authority

Question 7

What limit of capital is disregarded when assessing individuals for a Disabled Facilities Grant?

Answer 7

£6,000 and below is disregarded for the applicant and their partner combined

Question 8

What are health cash plans designed to pay?

Answer 8

A fixed amount for defined treatments