Long Term Care Flashcards
How many people were above the age of 65 in 2005
8m
How many people will be above the age of 65 in 2025?
11m
How many people will be over the age of 85 in 2025?
2m
What act unified all the LTC legislation?
Care act 2014
What 7 different settings can long-term care be provided?
Own home - domiciliary care
Sheltered housing/supported living
Care home
Care home with nursing
Hospital
Hospice
Other sources
How many people in the UK considered themselves carers?
6m
2.1m for more than 20 hours a week.
How much does a live in nurse cost?
£200 per day with higher costs for weekends and bank holidays
£70,000 per year average
How much does a care assistant vister cost?
£30 per hour depending on where in the country
£50,000 per year average
How much does a care home cost?
£600 per week in North West England
£850:per week in South East England
How much does a nursing home cost each week?
North West england £900 per week
South East England £1200 per week
What 2 types of care do the NHS offer?
NHS continuing healthcare
NHS funded nursing care
When will NHS Continuing Care be implemented?
Primary health need but no space in hospital.
Needs tested.
If a patient doesn’t qualify for NHS continuing care, how may they still receive support?
NHS funded nursing care (NHS FNC)
What is the purpose of an assessment by the local authority?
To establish a person’s needs for care, not who will pay for them.
What is single assessment framework (SAF)
The sharing of information between all relevant parties for care provision under NHS continuing healthcare.
What happens for funding if a person does not qualify for NHS continuing care?
Pay for care themselves, or the local authority pays for them on means tested basis.
How much capital can you hold before being expected to pay for your own care in England?
£14,250 lower
£23,250 upper pay for it all
How much capital can you hold before being expected to pay for your own care in wales?
£50,000
£24,000 care at home
How much capital can you hold before being expected to pay for your own care in Northern Ireland?
£14,250
£23,250 upper
How much capital can you hold before being expected to pay for your own care in Scotland?
£20,250
£32,750 upper
What is tariff income?
£1 per week for every £250 or part there of, of capital above the lower threshold
What exceptions are there to capital in the capital threshold?
Insurance bonds and the home
What will the cap on care home fees be in England in October 2025?
£86,000
What will the cap on care not cover?
Care outside of the home.
Living costs such as food, electricity, accommodation.
How much will need to be owned in assets before care costs can be taken from these?
£20,000
What will people with assets between £20,000 and £100,000 be eligible for?
Means tested financial support on a sliding scale.
Do you have to have capital to pay care costs?
No, if you have an income such as from a pension, this will be tested.
What is the personal expense allowance?
The amount of income you can retain to pay for expenses before paying LTC cost.
Stands at £28.25 per week in England.
How much of your pension can be paid to your spouse at home?
50%
Does not count for state pension.
How is income from investments counted toward LTC means testing?
It’s not because tarrif income is counted instead which is higher.
When will a home escape means testing?
When receiving at home care.
During the first 12 weeks of permanent care.
When a spouse lives in the house.
When an elderly, disabled, minor child of the care recipient, lone parent or former spouse lives in the house.
What is a deffered payment arrangement?
Where the local authority pays for care and rolls up a debt against a house with an interest set by the government. This is repaid on death.
What should be sort for a house owned as tenants in common in paying for LTC?
Specialist legal advice
Are bonds used to check income means testing for LTC
The surender value isn’t (clased as life protection), but any 5% withdrawals are counted towards income.
What prevents people from putting all their money into a bond to prevent LTC costs?
Diliberate Asset Deprivation rules
Who gets attendance allowance once in care?
Only self funded recipients.
In Scotland, both lose as they pay the higher amount.
What 10 ways can long-term care be self funded?
Investments
Pensions
Renting out a home
Equity release
Insurance based products
Legacy long-term care bonds
Immediate needs annuities
Advanced Death benefits
Critical Injury insurnce
Viatical settlement
How many failures of ADLs were required to pay out on cheap insurance plans and how many on expensive?
3 cheap
2 expensive
What ADLs were covered for insurance
Eating
Dressing
Mobility
Transferring
Continence
What is an immediate needs annuity? (INA)
A form of underwriten purchased life annuity
Lump sum exchanged for income for life.
How is INA taxed
Tax-free when paid directly to the care provider.
Part return of capital that is tax-free to recipient. Balance is considered interest and taxed, usually 20%
What should be considered with care costs?
Inflation runs very high.
What are the titles for power of attorney in scotland?
General POA
Continuing POA
Welfare POA
Joint continuing and welfare POA
How much is NHS FNC in England?
£219.71 with legacy cases from before 2007 at £302.25
How much is NHS FNC in Scotland
£95.50 per week to care recipients over 65
Personal care of £212.85 per week.
How much is NHS FNC in Northern Ireland?
Up to £100 per week from local health and social care trusts.
Depends on whether they are also funding other aspects of care.
How much is NHS FNC paid in Wales
£184.32 Depending on health board
Also has supplement for continence care.
