Top-up Flashcards
Pure protection long term care insurance policies are treated in what way by FCA?
As high-risk products and subject to the same regulations as designated investments plans
Individuals receiving hospital care from NHS are usually what level of dependency?
High
Single assessment process is primarily for what purpose?
Arrange an appropriate care package
Who is responsible for continuing healthcare payments?
NHS
Key focus on discharging from NHS hospital focuses on what?
Drawing up and implementing a care plan
Section 4 of Care Act (2014) places duty on LA to ensure individuals requiring care must have what?
Provided information and advice relating to care and support for their carers
Section 117 of the Mental Health Act 1983 provides that care services must be provided with the cost being met by who?
LA or NHS
If property owned in tenant’s in common when married, what share of house will be disregarded for financial assessment?
100% of home
In financial assessment, when will LA meet full care costs?
Only if have no assessible income
What source provides the highest % of care in the UK?
Family, neighbours & friends
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?
Validity & applicability
What tax is due on pre-funded LTC policy?
Free of all tax liabilities
Who is entitled to execute a statuatory will?
The court of protection
If a regular gift is made, can a POA then change this once personal loses mental capacity? Is so, are there any restrictions?
No, pattern must continue
The amount of assistive devices from a pre-funded LTC plan is typically based on what?
Percentage of continuous care benefit
What kind of cover would provide mobility aid?
Pre-funded LTC insurance
How are needs assessed for LTC support on mental and cognitive impairment?
Individual undergoes a mini mental state examination
If lived abroad for several years, what can cause you to not qualify for attendance allowance?
Residency status
Who approves substantial IHT planning when a person has lost mental capacity and have a POA?
Court of protection
Care inspector in Scotland is set up for what?
Regulate and inspect independent care services against set standards
Section 117 of mental health act provides that care services must be met by who?
LA or NHS
How much of income is disregarded before considered to meet care costs?
£14,250 then converted to tarrif income and added to clients other income
How will a personal injury trust be considered for covering care costs?
Only income paid from the trust to client would be considered
Who is entitled to execute a statutory will?
Court of protection
If a will was recently changed after an argument to pass assets to someone else, can you apply to change this back?
Can apply to courts for reasonable provision
The amount available for assistive devices from a pre-funded LTC plan is typically based on what?
Percentage of the continuous care benefit
What LTC cover is most likely to offer additional forms of cover and costs?
Pre-funded
If costs increase in a care home who covers this cost if family sources their own care home?
Family
What additional service will personal home care v social services provide?
Complete food shopping
How long does injury need to be expected to last to receive PiP?
12 months
When do you register a POA? (2)
LPOA - ASAP
EPOA - When person has lost mental capacity
How long do you receive funding for immediate care costs when someone leaves hospital?
6 weeks
How much weekly income can someone in care keep for themselves for ancillaries?
£30.15pw
If in a car home are you entitled to AA lower or higher?
Lower
If plan to make large gift who do you need to get permission from?
Court of protection
What happens to state pension if spouse dies?
May increase as eligible to some of partners on death
What aspect of respite care is free of charge?
Any nursing care provided
The Coughlan case identified what?
Provide a patients healthcare when it has been identified as a primary need
When does NHS fund nursing care?
Live in a care home with a registered nurse.
NOT if eligible for NHS continuing healthcare
How does the department of health arrange for a new LTC initiative to be implemented?
In conjunction with the clinical commissioning group
Palliative care is usually the responsibility of who?
NHS England
Section 4 of care act is for LA to?
Establish and maintain a service providing information and advice to local individuals on care and support
When a LA charges for respite care, what aspect is usually free of charge?
Nursing care
After just being assessed for accommodation and personal care, who is responsible for funding care, if primary need is health care?
NHS
What is LA’s main concern when assessing if care should be residential or domicilary?
Long term cost of delivering care
If a bond is effected 10yrs ago, will this be considered for care costs?
No
What is breakdown of state contribution for personal and nursing care?
Flat rate for both
Why would you switch to a tenants in common if own house with spouse?
To remove house vale from means test if partner dies first
What is max. Percentage LA will pay for adaptation to house if required?
100%
When will a gift to a trust be considered for care costs?
If trust was set up less than 6 months ago from when require care
Is a will still valid if unchanged after a divorce?
Yes but can effect distribution of % received
Is cognitive impairment alone enough for a valid care insurance claim?
Yes
In which country is there no lower savings threshold?
Wales
Why assessment must take place before a person receives domicilary care?
Care needs assessment
How do you qualify for additional component of PIP?
Have difficulty walking or getting around
After initial review of LTC by LA, when should next review be?
One year from care commencing anniversary date
Who can set up a will for someone who has lost mental capacity?
POA can apply to court of protection
What determines if should apply for PIP or AA?
Age
What age must you be below to receive PiP?
65
Basic care is means tested in every country except?
Scotland
Why would your personal care costs be met by LA?
If primary need is healthcare
When do you register an enduring POA & lasting POA?
Enduring - when lose capacity
Lasting - immediately
How many weeks when lose capacity do you receive state funded care for?
6 weeks
What happens if transfer home within 6yrs of receiving care?
Circumstances will be investigated
Outside of tax benefits what is extra benefit of keeping income below £100k?
You will not be eligible for the 30 hours free childcare or Tax-Free Childcare if you earn over £100k
