Topic 1 - The implications of long-term care Flashcards

1
Q

Life expectancy (mortality) ) in the UK increased between
1980–82 and 2015–17 from… for males and from… for females
Who was this information provided by and when?

A

70.8 years to 79.2 years (Males)
76.8 years to 82.9 years (Females)
Office for National Statistics (ONS), 2018

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2
Q

In 2021, how many people were aged over 65 in the UK, and what was this expected to increase to by 2050? (ONS 2023)

A

11 million, 19 million

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3
Q

How many people were aged over 85 or over in 2020, and what is this expected to be by 2045?

A

1.7 million, 3.1 million

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4
Q

What is Gerontology

A

Gerontology is the scientific study of ageing and the problems it brings.

Gerontology is the study of the effects of the ageing process on people. It is a
multidisciplinary field that brings together several areas of study, such as biology, sociology and psychology. It looks at the impact of ageing, not only on individuals in areas such as social exclusion and the different effects across the sexes, but also on society overall and the implications for public policy.

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5
Q

What areas does Gerontology cover?

A

It covers a wide range of areas, including demographics, environment, lifestyle, health and well-being.

It not only looks at the impact on individuals but also the social, economic and policy implications of ageing.

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6
Q

What is the key difference between Gerontology and Geriatrics

A

Gerontology and geriatrics are closely linked, but geriatrics is more closely focused on the care of elderly people.

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7
Q

On what months is the annual conference held for Gerontology, who is there and what happens after the meeting?

A

July or September, hosted by members from different centres and institutions in the UK, the society posts a regular journal reviewing their work and findings.

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8
Q

What is the difference between Morbidity and Mortality?

A

Where mortality measures the likelihood of dying at a specific age, morbidity is the
measurement of how likely someone is to become ill and from what disease.

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9
Q

Why is Morbidity important for insurance providers?

A

It is an essential part of the pricingprocess for LTC products.

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10
Q

Who discussed the opposing theories for Morbidity vs Mortality, and when?

A

Howse (2006)

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11
Q

What are the two competing theories detailed by Howse (2006) of the effects of improving Mortality, and what effect this may have one Morbidity on later life?

A

Expansion of Morb. - People will survive longer whilst still fighting advanced degenerative diseases, so more time in later life spent in state of ill-health

Compression of Morb. - If improved mortality comes from changes in the underlying diseases and also medical advances, there should be a compression in Morb. and less illness in later life.

These are competing as they contradict eachother, one theory saying it could be better, the other saying it could be worse. Depends on what drives the change in Mortality!

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12
Q

However, despite the competing theories (Howse 2006) , increasing UK life expectancy indicates that there is a … probability of people suffering from … in later life , particularly after age 80.

A

Higher
A chronic illness

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13
Q

The Department of Health and Social Care reported that in 2015 around… people in England has a longt-term condition that was incurable

A

15 million

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14
Q

The Health Foundation (2023) published a report that estimated … people will be living with a major illness by 2040. Most of the increase being attributed by the … generation.

A

9.1 million, baby boomer

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15
Q

ONS put forward a range of factors that will improve Mortality, which are…

A
  • Greater understanding of biomedical ageing process, leading to better ani-ageing strategies
  • Better understanding of carcinogenic processes leading to less deaths from cancer
  • Medical advances so previously life threatening diseases becoming containable
  • Progress in preventive medicine
  • Better information about health
  • Decrease in smoking
  • Increasing mental and social activities in old age
  • Effective and cheap technologies
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16
Q

ONS put forward a range of factors that will diminish Mortality, which are…

A

Increasing drug resistance to known diseases
Negative impact on health due to stress levels
Increasing immigration from countries with a higher mortality rate than the UK

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17
Q

Long-term care may be defined as:
(Laing, 1994)

A

“all forms of continuing personal or nursing care and
associated domestic services for people who are unable to look after themselves without
some degree of support, whether provided in their own homes, at a day centre, or in an
NHS or care home setting’’ (Laing, 1994).

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18
Q

The rising need for LTC stems from?

A

Longer working lives
Changes in the way people live
Changes in working patterns

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19
Q

What effect does the reducing number of DB schemes being supplied have on an ageing population?

A

It increases the amount of time people need to work to be able to live in retirement

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20
Q

What are the different types of care?

A

Residential
Sheltered accommodation
Domicilliary
Intermediate
Respite
Nursing
Hospital
Integrated

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21
Q

What is residential care?

A

Provided in a long-stay home for elderly people that are frail rather than ill. Help with everyday activities due to age not health.

Classed as social care not health care, privately or local-authority funded.

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22
Q

What is sheltered accommodation?

A

Provides independent living in privately owned or rented accommodation, with a resident warden to help.

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23
Q

What is domicilliary care?

A

Provided in the individual’s home by nurses and other care professionals.

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24
Q

What is intermediate care?

A

Short-term therapy or treatment in a home, either following a stay in hopsital or to avoid the need to go to hospital. If they are happy to rely on state provision, this is usually free of charge and is time-limited for up to 6 weeks.

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25
Q

What is respite care?

A

Involves services to provide a break for the person needing care and the carer. May be for one night or a longer period, and could be additional help in the home or stay in a nursing home.

26
Q

What is hospital care?

A

Any period of care provided by NHS or any hospital. Aim is to cure or stabilise a condition. Usually short term but depends on condition.

Once stabilised, patients released but may enter domicilliary or residential care. Treatment may continue on an outpatient basis or via GP and a nurse.

27
Q

What is integrated care?

A

Care model that seeks to close the traditional division between health and social care. It is intended to enable health and social care provision that is flexible, personalised and seamless.

28
Q

Costs of domicilliary care

A

£26 per hour is typical. This equates to £19,000 per year for someone receiving care for 14 hours per week. For someone receiving care throughout the day, the cost may be more than a residential care home fee.

A home help may be available to give assistance with domestic tasks such as housework and shopping. Many local authorities, however, have reduced or discontinued these services in order to direct resources to personal care.

29
Q

Costs of residential care homes

A

Depends on the nature of the care required and also the quality of accommodation. In the UK, annual residential care costs average between £28,000 in NI to £49,000 in SE England.

With nursing care, this increases to £38,000 to £67,000 respectively.

Where they are able, patients are expected to contribute to the costs.

30
Q

Costs of assistive devices

A

Smaller items are usually free of charge, larger items they make ask for a contribution. Some charities offer aids as well as local organisations.

31
Q

Costs of home adaptations

A

There may sometimes be disabled facilities grants from local authorities to assist with funding, these grants are means tested.

Wheelchairs etc.

32
Q

What Act was important for state provision for people in need of care?

A

The Care Act 2014. Gained royal assent on 14 May 2014.

33
Q

Who are the two primary state providers of long-term care services?

A

Local authorities and the NHS

34
Q

While the government and NHS are national bodies, policy is delivered
through..

What has this meant for consistency of implementing these policies in the UK?

A

Local agents - local authorities and regional NHS groups

It is inconsistent, as different areas react differently. As a result, complex framework and guidance was introduced to make this more fair

35
Q

At what point should an adviser understand what the state will give a client

A

Before any recommendation can be presented. You need to identify the shortfall/gap.

36
Q

The NHS is responsible for delivering and funding health care in the UK. Where a person’s primary need is a … need, they are eligible for NHS continuing healthcare provided under the … Act …

A

Health
National Health Service
2006

37
Q

NHS - If the individual is receiving nursing care as a part of a wider care package in a care home, the NHS will only pay for the … element.

A

Nursing care

38
Q

Local authorities have a general duty to promote … under the Care Act 2014.

Well-being is broad based and includes…

A

Well-being
Personal dignity
Physical and mental health
Emotional well-being
Protection from abuse and neglect
Control over day-to-day life and;
Ssuitability of living accommodation

39
Q

State benefits are primarily provided by the …, which is the principal government agency for the provision of benefits.

A

Department for Work and Pensions (DWP)

40
Q

Is the DWP combined or separate with the local authority social services department?

A

It is a separate body from the local authority social services department.

41
Q

In …, the then coalition government set up the Commission on the Funding of Care and Support. The commission was chaired by …. The Dilnot report, which outlined the commission’s findings, was published on …

The report made the observation that the “current care system is …”. It also contained a number of key recommendations for changes to the care system.

A

May 2011
Andrew Dilnot
4 July 2011
Confusing, unfair and unsustainable

42
Q

What were the key recommendations in the Dilnot commission?

A

Care system confusing and unfair
Individual’s lifetime contributions should be capped somewhere between £25k-£50k. £35k is most fair. After this cap, full state funding is required.
Means-tested threshold should be increased from £23,250 to £100k. After £100k, individual is fully liable.
Based on a contribution cap of £35k, it would cost the state circa £1.7 billion

43
Q

The Health and Social Care Act 2008 introduced the … who replaced the … as an integrated regulator for both…

A

Care Quality Commission (CQC)
Healthcare commission
Health and adult social care

44
Q

Under the new Act, the CQC introduced a new system of…

A

registration and ongoing performance monitoring that
replaced the previous NHS standards for a better health system for monitoring care quality.

45
Q

Regulated activities are described in the … They include …

A

Health and Social Care Act 2008 (RegulatedActivities) Regulations 2009.

Personal care, nursing care and accommodation
with nursing or personal care. It is a serious offence to carry out a regulated activity without
being registered.

46
Q

The Health and Social Care Act 2008 (Regulated Activities) Regulations 2014 set out the fundamental standards below which care should never fall. These regulations came into effect in April 2015. They are as follows:

A
  • Care and treatment must be appropriate, meet service users’ needs and reflect their preferences.
  • Service users must be treated with dignity and respect.
  • Care and treatment can only be provided with consent.
  • Care and treatment must be provided in a safe way.
  • Service users must be protected from abuse and improper treatment.
  • Service users’ nutritional and hydration needs must be met.
  • Premises and equipment must be clean, secure, suitable and properly used.
  • A proper complaint handling system must be in place.
  • Systems must be put in place to ensure compliance with the fundamental standards.
  • Staff should be suitably qualified, competent, skilled and sufficient in number.
  • Those employed should be fit and proper persons.
  • A duty of candour is imposed upon registered persons (ie a requirement for opennessand transparency).
47
Q

The CQC uses an … monitoring system to continuously monitor whether services are meeting essential standards using a …

A

Intelligent monitoring
Quality and Risk Profile (QRP)

48
Q

The CQC will seek an improvement, but if this is not effective it has a wide range of enforcement powers including…

A

Warning notices
Imposition or variation of conditions
Suspension or cancellation of registration
Fines and prosecution

49
Q

The CQC asks five questions on which its assessment is based when inspecting care homes.
Are they:

A
  • Safe
  • Effective
  • Caring
  • Responsive to people’s needs
  • Well led?
50
Q

Each care home must provide details about the home and supply an

A

Introductory pack or user’s guide to the home to each resident and prospective resident

51
Q

The intention is to give prospective service users the information they need to make an informed choice about where to live, including:

Care home introductory packs

A
  • Overall care and services (including food) covered by the fee;
  • Fees payable and by whom (service user, local or health authority, relative or another);
  • Details of additional services (including food and equipment) to be paid for over and
    above those included in the fees;
  • Rights and obligations of the service user and registered provider (care home) and who
    is liable if there is a breach of contract; and
  • Terms and conditions of occupancy, including period of notice, eg short/long term,
    intermediate care/respite.
52
Q

Different types of LTCI policies

Long-term care insurance

A

Prefunded:
* Pure-protection - insurance only no investment aspect
* LTCI Investment bonds - lump sum investments, sometimes can top up with other lump sums, for LTCI purposes only

Immediate care policy - Investment-based products that provide immediate benefits for the individual to cover care home fees or other needs

53
Q

The regulatory definition of LTCI is a contract:

A
  • That provides, would provide at the policyholder’s option, or is sold or held out as providing, benefits that are payable or provided if the policyholder’s health deteriorates to the extent that they cannot live independently without assistance and that is not expected to change; and
  • Under which the benefits are capable of being paid for periodically or for all or part of the period that the policyholder cannot live without assistance; and
  • Where benefits are services, accommodation or goods necessary or desirable for the continuing care of the policyholder because they cannot live independently without assistance.
54
Q

The sale and marketing of LTCI products is covered by the … which also means the … and … are covering these products

A

FCA
FOS
FSCS

55
Q

LTCI products are subject to the …, while other pure protection products are subject to the …

A

FCA Conduct of Business rules (COBS)
Insurance Conduct of Business rules (ICOBS).

56
Q

LTCI is often arranged in conjunction with advice on equity release. Advice on equity release is regulated by the FCA under its …

A

Mortgage Conduct of Business (MCOB) rules

57
Q

When advising clients on long-term care needs, LTCI is only one of a range of considerations. Other aspects that an adviser must fully consider include:

A
  • The need for wills
  • The way in which the family home is legally owned
  • Existing savings and investments
  • The client’s taxation position
  • Pension arrangements
  • Entitlements to state benefits
  • Equity release
  • The needs of powers of attorney
58
Q

The Health and Social Care Act 2012 updated the 2008 Act to improve the NHS and make them better by implementing the following key points…

A
  • Improve quality and choice of care for patients, and improve transparency for taxpayers
  • Give GPs and other clinicians the primary responsibility for commissioning healthcare
  • Create a coherent system of regulation for providers, to drive quality and efficiency
  • Limit minister’s ability to micromanage, while ensuring they remain ultimately accountable
59
Q

The 2012 Act established … which strengthened the relationship between the CQC and … - the independent regulator of the NHS foundation trusts

A

Healthwatch
Monitor

60
Q

Under the Health and Care Act 2022, the CQC has been given powers to assess and monitor how well the … are meeting their duties under the Care Act of 2014

A

Local authorities