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CF8 Keys > Top-up > Flashcards

Top-up Flashcards

1
Q

Pure protection long term care insurance policies are treated in what way by FCA?

A

As high-risk products and subject to the same regulations as designated investments plans

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2
Q

Individuals receiving hospital care from NHS are usually what level of dependency?

A

High

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3
Q

Single assessment process is primarily for what purpose?

A

Arrange an appropriate care package

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4
Q

Who is responsible for continuing healthcare payments?

A

NHS

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5
Q

Key focus on discharging from NHS hospital focuses on what?

A

Drawing up and implementing a care plan

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6
Q

Section 4 of Care Act (2014) places duty on LA to ensure individuals requiring care must have what?

A

Provided information and advice relating to care and support for their carers

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7
Q

Section 117 of the Mental Health Act 1983 provides that care services must be provided with the cost being met by who?

A

LA or NHS

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8
Q

If property owned in tenant’s in common when married, what share of house will be disregarded for financial assessment?

A

100% of home

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9
Q

In financial assessment, when will LA meet full care costs?

A

Only if have no assessible income

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10
Q

What source provides the highest % of care in the UK?

A

Family, neighbours & friends

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11
Q

If an individual makes a decision in advance to refuse treatment for a condition then becomes mentally incapable, which 2 tests are applied before decision is upheld?

A

Validity & applicability

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12
Q

What tax is due on pre-funded LTC policy?

A

Free of all tax liabilities

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13
Q

Who is entitled to execute a statuatory will?

A

The court of protection

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14
Q

If a regular gift is made, can a POA then change this once personal loses mental capacity? Is so, are there any restrictions?

A

No, pattern must continue

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15
Q

The amount of assistive devices from a pre-funded LTC plan is typically based on what?

A

Percentage of continuous care benefit

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16
Q

What kind of cover would provide mobility aid?

A

Pre-funded LTC insurance

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17
Q

How are needs assessed for LTC support on mental and cognitive impairment?

A

Individual undergoes a mini mental state examination

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18
Q

If lived abroad for several years, what can cause you to not qualify for attendance allowance?

A

Residency status

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19
Q

Who approves substantial IHT planning when a person has lost mental capacity and have a POA?

A

Court of protection

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20
Q

Care inspector in Scotland is set up for what?

A

Regulate and inspect independent care services against set standards

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21
Q

Section 117 of mental health act provides that care services must be met by who?

A

LA or NHS

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22
Q

How much of income is disregarded before considered to meet care costs?

A

£14,250 then converted to tarrif income and added to clients other income

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23
Q

How will a personal injury trust be considered for covering care costs?

A

Only income paid from the trust to client would be considered

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24
Q

Who is entitled to execute a statutory will?

A

Court of protection

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25
Q

If a will was recently changed after an argument to pass assets to someone else, can you apply to change this back?

A

Can apply to courts for reasonable provision

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26
Q

The amount available for assistive devices from a pre-funded LTC plan is typically based on what?

A

Percentage of the continuous care benefit

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27
Q

What LTC cover is most likely to offer additional forms of cover and costs?

A

Pre-funded

28
Q

If costs increase in a care home who covers this cost if family sources their own care home?

A

Family

29
Q

What additional service will personal home care v social services provide?

A

Complete food shopping

30
Q

How long does injury need to be expected to last to receive PiP?

A

12 months

31
Q

When do you register a POA? (2)

A

LPOA - ASAP

EPOA - When person has lost mental capacity

32
Q

How long do you receive funding for immediate care costs when someone leaves hospital?

A

6 weeks

33
Q

How much weekly income can someone in care keep for themselves for ancillaries?

A

£30.15pw

34
Q

If in a car home are you entitled to AA lower or higher?

A

Lower

35
Q

If plan to make large gift who do you need to get permission from?

A

Court of protection

36
Q

What happens to state pension if spouse dies?

A

May increase as eligible to some of partners on death

37
Q

What aspect of respite care is free of charge?

A

Any nursing care provided

38
Q

The Coughlan case identified what?

A

Provide a patients healthcare when it has been identified as a primary need

39
Q

When does NHS fund nursing care?

A

Live in a care home with a registered nurse.

NOT if eligible for NHS continuing healthcare

40
Q

How does the department of health arrange for a new LTC initiative to be implemented?

A

In conjunction with the clinical commissioning group

41
Q

Palliative care is usually the responsibility of who?

A

NHS England

42
Q

Section 4 of care act is for LA to?

A

Establish and maintain a service providing information and advice to local individuals on care and support

43
Q

When a LA charges for respite care, what aspect is usually free of charge?

A

Nursing care

44
Q

After just being assessed for accommodation and personal care, who is responsible for funding care, if primary need is health care?

A

NHS

45
Q

What is LA’s main concern when assessing if care should be residential or domicilary?

A

Long term cost of delivering care

46
Q

If a bond is effected 10yrs ago, will this be considered for care costs?

A

No

47
Q

What is breakdown of state contribution for personal and nursing care?

A

Flat rate for both

48
Q

Why would you switch to a tenants in common if own house with spouse?

A

To remove house vale from means test if partner dies first

49
Q

What is max. Percentage LA will pay for adaptation to house if required?

A

100%

50
Q

When will a gift to a trust be considered for care costs?

A

If trust was set up less than 6 months ago from when require care

51
Q

Is a will still valid if unchanged after a divorce?

A

Yes but can effect distribution of % received

52
Q

Is cognitive impairment alone enough for a valid care insurance claim?

A

Yes

53
Q

In which country is there no lower savings threshold?

A

Wales

54
Q

Why assessment must take place before a person receives domicilary care?

A

Care needs assessment

55
Q

How do you qualify for additional component of PIP?

A

Have difficulty walking or getting around

56
Q

After initial review of LTC by LA, when should next review be?

A

One year from care commencing anniversary date

57
Q

Who can set up a will for someone who has lost mental capacity?

A

POA can apply to court of protection

58
Q

What determines if should apply for PIP or AA?

A

Age

59
Q

What age must you be below to receive PiP?

A

65

60
Q

Basic care is means tested in every country except?

A

Scotland

61
Q

Why would your personal care costs be met by LA?

A

If primary need is healthcare

62
Q

When do you register an enduring POA & lasting POA?

A

Enduring - when lose capacity

Lasting - immediately

63
Q

How many weeks when lose capacity do you receive state funded care for?

A

6 weeks

64
Q

What happens if transfer home within 6yrs of receiving care?

A

Circumstances will be investigated

65
Q

Outside of tax benefits what is extra benefit of keeping income below £100k?

A

You will not be eligible for the 30 hours free childcare or Tax-Free Childcare if you earn over £100k

CF8 Keys (4 decks)

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