Top-up

Question 1

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

Answer 1

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

Question 2

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

Answer 2

High

Question 3

Single assessment process is primarily for what purpose?

Answer 3

Arrange an appropriate care package

Question 4

Who is responsible for continuing healthcare payments?

Answer 4

NHS

Question 5

Key focus on discharging from NHS hospital focuses on what?

Answer 5

Drawing up and implementing a care plan

Question 6

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

Answer 6

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

Question 7

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

Answer 7

LA or NHS

Question 8

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

Answer 8

100% of home

Question 9

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

Answer 9

Only if have no assessible income

Question 10

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

Answer 10

Family, neighbours & friends

Question 11

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?

Answer 11

Validity & applicability

Question 12

What tax is due on pre-funded LTC policy?

Answer 12

Free of all tax liabilities

Question 13

Who is entitled to execute a statuatory will?

Answer 13

The court of protection

Question 14

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

Answer 14

No, pattern must continue

Question 15

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

Answer 15

Percentage of continuous care benefit

Question 16

What kind of cover would provide mobility aid?

Answer 16

Pre-funded LTC insurance

Question 17

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

Answer 17

Individual undergoes a mini mental state examination

Question 18

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

Answer 18

Residency status

Question 19

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

Answer 19

Court of protection

Question 20

Care inspector in Scotland is set up for what?

Answer 20

Regulate and inspect independent care services against set standards

Question 21

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

Answer 21

LA or NHS

Question 22

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

Answer 22

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

Question 23

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

Answer 23

Only income paid from the trust to client would be considered

Question 24

Who is entitled to execute a statutory will?

Answer 24

Court of protection

Question 25

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

Answer 25

Can apply to courts for reasonable provision

Question 26

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

Answer 26

Percentage of the continuous care benefit

Question 27

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

Answer 27

Pre-funded

Question 28

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

Answer 28

Family

Question 29

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

Answer 29

Complete food shopping

Question 30

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

Answer 30

12 months

Question 31

When do you register a POA? (2)

Answer 31

LPOA - ASAP EPOA - When person has lost mental capacity

Question 32

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

Answer 32

6 weeks

Question 33

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

Answer 33

£30.15pw

Question 34

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

Answer 34

Lower

Question 35

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

Answer 35

Court of protection

Question 36

What happens to state pension if spouse dies?

Answer 36

May increase as eligible to some of partners on death

Question 37

What aspect of respite care is free of charge?

Answer 37

Any nursing care provided

Question 38

The Coughlan case identified what?

Answer 38

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

Question 39

When does NHS fund nursing care?

Answer 39

Live in a care home with a registered nurse. NOT if eligible for NHS continuing healthcare

Question 40

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

Answer 40

In conjunction with the clinical commissioning group

Question 41

Palliative care is usually the responsibility of who?

Answer 41

NHS England

Question 42

Section 4 of care act is for LA to?

Answer 42

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

Question 43

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

Answer 43

Nursing care

Question 44

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

Answer 44

NHS

Question 45

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

Answer 45

Long term cost of delivering care

Question 46

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

Answer 46

No

Question 47

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

Answer 47

Flat rate for both

Question 48

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

Answer 48

To remove house vale from means test if partner dies first

Question 49

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

Answer 49

100%

Question 50

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

Answer 50

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

Question 51

Is a will still valid if unchanged after a divorce?

Answer 51

Yes but can effect distribution of % received

Question 52

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

Answer 52

Yes

Question 53

In which country is there no lower savings threshold?

Answer 53

Wales

Question 54

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

Answer 54

Care needs assessment

Question 55

How do you qualify for additional component of PIP?

Answer 55

Have difficulty walking or getting around

Question 56

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

Answer 56

One year from care commencing anniversary date

Question 57

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

Answer 57

POA can apply to court of protection

Question 58

What determines if should apply for PIP or AA?

Answer 58

Age

Question 59

What age must you be below to receive PiP?

Answer 59

65

Question 60

Basic care is means tested in every country except?

Answer 60

Scotland

Question 61

Why would your personal care costs be met by LA?

Answer 61

If primary need is healthcare

Question 62

When do you register an enduring POA & lasting POA?

Answer 62

Enduring - when lose capacity Lasting - immediately

Question 63

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

Answer 63

6 weeks

Question 64

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

Answer 64

Circumstances will be investigated

Question 65

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

Answer 65

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