Topic 3 - Local Authority Care Provision Flashcards

1
Q

What are the key aims of The Care Act 2014

A

Before the Act there was no single, modern statute of area

Act reformed law around adult social care aiming to put well-being of people at heart of care system. Aims to:

  • Ensure physical, mental, emotional well-being of cared for and carers
  • Clearer, more consistent, fairer care system
  • Delays and prevents need for those to recieve care
  • Increase involvement & control for those being cared for
  • Make changes to the system of charging for care
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2
Q

What were the changes that The Care Act 2014 bought about?

A

Key Changes the Care Act made:

  • Assessment of care needs.
  • Responsibility of local authorities to provide information on care services.
  • Local authorities must establish and maintain service for providing people with information on adult care and support.
  • Establishing national minimum threshold for assessing care needs
  • Establishing eligibility for care and care planning
  • Ensuring there is continuity of care when adult being cared for moves home.
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3
Q

What key points are related to the delivery of care by local authorities?

A

Delivery of Care

  • Must act to promote well-being and take steps to prevent, reduce or delay need for care.
  • Local Authorities may set limits on range of services, which they will charge for and what rate.
  • Services can be delivered by them or outsourced privately.
  • Funding can be directed to care provider or to claimant to purchase care themselves
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4
Q

What the Legal Responsibilities of a local authority when carrying out a needs assessment?

A

Local Authority Legal Responsibilities:

  • Must carry out needs assessment for cared for and carer’s assessment for carer.
  • Assessment must take account of effects of their needs on their well-being.
  • Must provide informationa nd advice relating to care and support to adults and their carers
  • Must have regard to national minimum threshold to judge eligibility.
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5
Q

What should a Care Needs Assessment involve?

A

Care or needs assessment should involve:

  • Assessment of needs and circumstances to identify which needs to be met by local authority (social care) and NHS.
  • Financial assessment
  • Creation and implementation of a care plan
  • Each part of the process should be carried out seperately
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6
Q

What are the different Community Care Services are provided by the local authority?

A

Community Care Services provided by the local authority include:

  • home help or home care;
  • respite care;
  • day care;
  • night-sitting services;
  • provision of aids to help with everyday tasks;
  • meals on wheels;
  • care in a care home.
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7
Q

What conditions must be met to be eligible for care under the local authority assessment?

A
  • Before Care Act 2014, local authorities could set own criteria.
  • Criteria had to meet guidance under Fair Access to Care Services (FACS).
  • Assessment done by care specialist on behalf of the local authority or NHS.

Must consider whether the person’s needs:

  • arise/related to a physical/mental impairment/illness;
  • make them unable to achieve 2+ specified outcomes;
  • result of being unable to meet these outcomes and likely to significantly affect their well-being.

An adult’s needs are only eligible where they meet all three of the conditions above.

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8
Q

Specified Outcomes

A

The specified outcomes measured include:

  • Managing & maintaining nutrition i.e preparing/consuming food and drink.
  • Maintaining personal hygeine
  • Managing Toilet needs
  • Able to dress appropriately i.e during cold periods
  • Move around home safely and accessing the home
  • Keeping home clean and safe
  • Develop and maintain family/relationships to avoid isolation and loneliness.
  • Accessing and engaging in work, training, education or volunteering including physical access
  • Able to savely use necessary facilities or services in community i.e public transport, recreational
  • Carrying out caring responsibilites i.e for a child

If eligible for care needs, the local authority doesn’t have to meet needs already being met by carer.

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9
Q

What are the four parts of the SAP assessment process and what do they typically involve?

A

Single Assessment Process (SAP) introduced in April 2004.

Local authorities must comply with SAP and minimum threshold but can apply their own approach.

4 Parts of SAP carried out by different specialities:

Contact Assessment - Contact with health & social services where basic personal information given and significant needs identified.

Overview Assessment - Wider ranging looking at needs in context of domains such as clinical background, well-being, senses, mental health, relationship, resources, safety etc.

Specialist Assessment - More detail examination of specific need.

Comprehensive Assessment - More detailed than overview and may be carried out by more than one specialist

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10
Q

Care Assessment Timing

What timelines should the assessment start, be completed by and services be implemented in?

A

No national rules of how quick local authority must carry out assessment. But performance indicators that should be worked towards.

  • All assessments start within 48 hours
  • Completing them within 28 days.
  • Care services in place in next 28 days

Assessments should have regard to well-being and carried out in way that individuals:

  • Gain better understanding of their situation
  • Identify options available for managing their own lives
  • Understand basis on which decisions are reached
  • Should also account of emotional and psychological and physical needs
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11
Q

Care and Support Plan

What is included in a care and support plan?

How often are reviews of care plans carried out?

A

After care needs determined, care package is arranged with written record of plan agreed.

It includes:

  • Details of eligible needs
  • Objective of service provision, agreed outcomes and organisation of support to meet objective and outcomes.
  • Contingency plans for managing any emergency developments
  • Risk assessment detailing agreed actions to manage identified risks
  • Details of services and financial contributions the individual will pay
  • Support carers and others willing to provide
  • Support to be provided to address needs identified through assessment
  • Review date. For new claimants reviews are normally done within 3 months and at least annually thereafter.
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12
Q

Financial Assessment

What possible outcomes could result from a financial assessment?

A
  • Assessment process includes financial element.
  • Assessment includes all assets
  • Also includes share of joint income/capital
  • Income assessed net of housing costs

Outcome could be:

  • Entitled to services free of charge
  • Has to make financial contribution towards costs
  • May have income/capital so LA not obliged but can still be requested to arrange services on their behalf.
  • Charges only applied to patients, cannot be on carers
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13
Q

Charging for Care Services

What are the capital thresholds for care funding?

How is income related to the capital thresholds?

What is the personal expenses allowance?

A

If financially able, can still ask LA to provide non-residential (domiciliary) care services and will be charged accordingly.

  • First agreement on what services and costs
  • Next assess persons savings & assets (capital)
  • Next assess income. For every £250 part between capital thresholds, claimant treated as £1 per tarriff income per week.

Capital Thresholds:

  • Upper capital limit for residential charging since £23,250 so if capital higher than this may need to pay full amount.
  • Those with £14,250 and £23,250 expected to make contribution from capital and income.
  • Regional differences. In Wales single limit of £40,000 and Scotland lower limit of £17,500 and higher limit of £28,000.

Regardless of outcome, LA must factor in a personal expenses allownace.

Those in care home fully funded by LA entitled to personal expenses allowance of £24.90 per week.

If LA Funded non residential care then allowed basic living allownace which is level of guaranteed element of state Pension Credit plus 25%

Once this has been calculated, the local authority charges an amount from income and capital above the protected amount.

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14
Q

Disregarded Income

What income is partly disregarded?

What income is fully disregarded?

A

Partly Disregarded Income:

  1. £10 a week War Widow’s/Disablement Pension
  2. 50% of private/occupation pension if pension recieved by married person in a care home.
  3. Savings credit up to a maxmimum amount.
  4. Flat rate disregard when income too high to claim pension credit or awarded less than certain amount.

Fully Disregarded Income:

  • Mobility component’s of DLA/PIP
  • Earnings from employement/self employement
  • First £10 War Widowers/Disablement Pension
  • Guardian’s Allowance and Child Tax Credit
  • Christmas Bonus
  • Winter Fuel Payment
  • Housing Benefit
  • Income from savings as this is added to the capital
  • Income from mortgage PPI
  • Certain charitable & voluntary payments
  • Intended to be used for a specific item not covered by care home fees.
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15
Q

What capital is Disregarded in the local authority assessment?

A
  1. Surrender value of:
  • Life policies
  • Investment Bonds written as life contracts/annuities
  1. Value of funds held in trust or administered by court that derive from personal injury
  2. Capital held in discretionary trust
  3. Value of claiman’ts home if a spouse, partner or realtive resides there permanently. Property is always disregarded for first 12 weeks.

Case Study:

John and Mary are 80 and 78 years old, respectively, and have lived in their home in Derbyshire for eight years. Mary, a retired nurse, was diagnosed with vascular dementia six years ago and John is no longer able to provide for Mary’s care needs at home. It has been agreed that residential nursing care would be most appropriate.

Apart from their home, which has a market value of £230,000, John and Mary have £20,000 in savings with a building society, £15,000 in investments and Mary receives a pension of £140 per week from her former employer, which is paid to John. John and Mary receive basic State Pensions of £95 and £100 per week, respectively.

Their home is disregarded from Mary’s financial assessment as John is continuing to live in it. Half their savings and investments are allocated to Mary, giving her assets of £17,500.

This means Mary’s capital is assessed as falling below the current £23,250 threshold for care support and she will receive some funding from her local authority. The position is assessed as follows:

  • State Pension - £100
  • 50% of occupational pension - £70
  • Tariff income from savings/investments - £13 ie (£17,500 – £14,250) / £250

Total - £183

Less personal expenses allowance - £24.90

FINAL TOTAL - £158.10

If the local authority sets a weekly budget of £680 to meet Mary’s assessed care and support costs then Mary will fund £158.10 of the costs with the local authority funding the balance of £521.90.

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16
Q

What are some examples of deprivation of assets?

A

If assets given away/disposed of to create favourable position when applying for assistance, they may be assessed as if they were still in possession of assets.

Examples include:

  • Lump‑sum payment i.e gift or to pay off a debt;
  • Transfer title deeds of property to another
  • Putting money into an irrevocable trust
  • Converting money into possessions that fall outside of means test
  • Reduce capital by substantial expenditure
  • Selling asset for less than true value

Local Authority must show that this was intention

Timing and motive behind disposal taken into account

No time limit to ignore transfer of assets

17
Q

Treatment of Family Home:

When is the value of the family home disregarded?

What is a qualifying relative?

A

Around 70k homes sold each year to pay for care.

Value of home disregarded for 12 weeks of residential care. After which depends on if home owned jointly.

Value not considered for non-residential care.

Disregarded if spouse, partner or qualifying relative resides there.

Qualifying relative is aged over 60, or under 60 and incapacited, or child under 16.

Local authority has discretion to disregard value of home in other circumstances.

If property disregarded and money raised by selling property or downsizing, share of proceeds could be taken into account in means tested assessment. However, not considered deprivation of assets if proceeds are given to spouse to buy more suitable property.

Deferred payment arrangements allow local authorities to make loan so that fees are rolled up and taken from proceeds when property is sold.

18
Q

How are Investment Bonds treated in the capital assessment?

A

Any pre 2003 assessment that took account of investment bonds should be reviewed and refund of care fees where approrpiate. Unelss last minute purchase in which case treated as deprivation of asset.

It is important to note that the rules apply not only to investment bonds but to any life assurance policy, including second-hand endowments.

19
Q

What is the difference between Notional Capital and Actual Capital?

What is the dminishing of notional capital?

A

Notional capital is the capital that would be there if the indidivual has deprived themselves of capital.

Actual capital is the difference between the undervalued price the asset sold for and it’s market value.

Notional capital diminishes each week and so can determine when individual will be eligible for funding.

Local authority still has duty of care to provide care but has powers of recovery.

20
Q

If an irrevocable Trust is set up, how is this treated in the capital assessment?

A

May set up trusts for children/grandchildren.

May be irrevocable.

If LA determine that trust set up to avoid payment then can still treat as notional capital. Example when may not be the case is:

Resident has £10k in bank and shares of £6.5k.

Has evidence that shares purchases on behalf of son, who is abroad and transferred to son on return.

21
Q

What were the key recommendations from the Dilnot Report?

A

Key recommendations of Dilnot Report:

  • Threshold should be increased to £100k.
  • Upper limit on maximum amount of care costs a person required to pay themselves during lifetime. Between £25-50k. Ideally £35k.
  • People shoudl contribute standard amount to cover food and acommondation costs - £7-10k per year.
  • Eligibility criteria set on nationalised basis.
  • With £35k of care costs covered by individual, insurance industry might design products to cover this threshold.
  • Full provision provided to those entering adulthood with care needs.
22
Q

What proposals were set out in the 2013 Care Bill

A

Care Bill 2013. Sets out proposals for state providing long-term care.

  • Local authorities to have legal responsibility to provide each person with care and support plan
  • Increased responsibilities for LA to provide info and support regarding care services.
  • New rights for carers similar to those of the people they care for.
  • Safeguarding procedures to protect vulnerable individuals from abuse or neglect.
  • Consistent way to establish individual eligibility for care and support.
    • Upper means-testing threshold rise to £118k
    • Assets above this level, recieve no state help
    • Care costs each person will pay in lifetime capped at £72k. Only applies to care costs not residential home costs.
23
Q

What must local authorities offer where care is chargeable?

A

Since April 2015, where care is chargeable must offer deferred payment scheme. Aim is to avoid someone being forced to seel property to pay for care.