HEALTHCARE BENEFITS FOR OFFICERS' FAMILIES
- MEETING THE COSTS OF RECOVERY -
HOSPITAL ACCOMMODATION
NURSING OR CARE AT HOME
DOMESTIC HELP FOLLOWING ILLNESS OR INJURY
CONVALESCENCE
COST EFFECTIVE HEALTH BENEFITS FOR OFFICERS' FAMILIES
Our benefits provide help in meeting the unexpected costs of illness for your dependants.
Knowing that financial support is readily available to help meet the additional costs of nursing, hospital care and domestic help when emergencies happen can mean working and home life does not have to stop whilst your family member recovers.
Since 1911, Lady Grover’s Fund has grown as a Friendly Society to meet the needs of officers’ families in times of illness and injury. By joining as a member, you are able to access critical financial support when you and your family need it the most – enabling you to provide additional nursing, hospital or domestic care you might otherwise be unable to afford.
Peace of mind starts from as little as £40 per annum. Join today.
Call us on 020 7808 4180. Lady Grover’s Fund operates under the following Rules.
MEMBERSHIP
WHO WE HELP
- Dependants of officers of all three services and the Royal Fleet Auxiliary whether serving or retired
- Widows or widowers of officers
- Divorced wives or husbands of officers, (for their own benefit or that of their children)
- Dependant parents or step-parents of officers
- Children are eligible for help until they are 18, or 21 if they are in full-time education
WHO MAY JOIN
- Anyone, serving or retired, who has served one week of commissioned service in the UK Armed Forces, Regulars or Reservists, or is a serving or retired officer in the Royal Fleet Auxiliary
- Beneficiaries must be under the age of 65 when the member joins to be eligible to make a claim
- Widows and widowers of member officers can become members themselves at the same rates and with the same benefits
- Officer members may benefit directly if their spouse is also a member, since both are then covered
A GUIDE TO BENEFITS
After six months from joining, members are entitled to claim for nursing expenses incurred by the illness or injury of their dependants. Those who are members in their own right (widows and widowers, divorced spouses of officers) are equally entitled to claim the same nursing expenses incurred by their own illness or injury.
SCALE OF BENEFITS
Nursing Home or Hospital Accommodation
The expense of temporary residence (including food and nursing care) in a hospital or nursing home; Up to £1750 per week.
Home Nursing
The expense of the temporary employment of a qualified nurse or carer. Up to £350 per week.
Convalescence
The expense of convalescence (including travelling expenses) under medical advice in an accepted establishment. Up to £350 per week.
Home Help
The expense of the temporary employment of domestic help. Up to £210 per week.
Maximum Duration and Amount of Claims
A member is entitled to receive nursing benefits in respect of up to eight weeks of illness (whether consecutive or otherwise) in any period of twelve months. In the case of Home Help, the maximum duration in a period of twelve months can be up to fifteen weeks, provided that the claim does not exceed a maximum of £2520.
The maximum settlement payable to a member cannot exceed £8,000 in any period of twelve months.
READY TO JOIN?
MEMBERSHIP APPLICATION
To apply for membership, please go to our JOIN THE FUND page.
The annual subscription starts from just £40 for those under the age of 50, and rises in stages to £70 for those aged 70+.
Age of Oldest Beneficiary
Under 50
50-59
60-69
70+
2021 Subscription* £p.a.
50.75
60.90
60.90
71.05
2022 Subscription £p.a.
40.00
50.00
60.00
70.00
*2021 subscription includes 12% Insurance Premium Tax.
It is the serving or retired officer who joins the society as a member, entitling their dependants to receive benefits.
Please note that you will not be able to claim from the Fund until 6 months have elapsed from the date of your enrolment into the Fund.
CASE STUDIES
Read our beneficiaries' stories
MAKE A CLAIM
HOW TO MAKE A CLAIM
CORONAVIRUS
Due to the coronavirus outbreak your claims team will be following government advice and working at home. This may cause unforeseen delays in the settling of your claim as we adjust to this revised way of working.
It would therefore help us all if you could put your pre-claim questions to the team via email or telephone rather than by letter. This should enable us to respond more quickly to your questions. We would also encourage you to submit your claim by email – Lady Grover’s Fund rules now allow for this. However, if you are intending to put in a claim by letter, please phone us on 020 7808 4180 and let us know, so that we can know to look out for it. While we are working from home, our post will not be collected every day.
We ask for your forbearance during this challenging time. Please look after yourselves and your families. Stay well.
In order to make a claim, you will need to download a Claim Form.
This should be completed and signed by you and by a relevant doctor. We will also need your consent to hold and use the health care data you submit. Please complete the Data Consent section on the back of the Claim Form. We will be unable to pay your claim without it. When complete, please post or scan to the Secretary with receipts for expenses incurred.
We have included a form of receipt which you may find useful for recording Home Help or Home Nursing hours worked. If you use an agency for your Home Help or Home Nursing, then they will issue a formal invoice; in this case it is this invoice which you would need to include.
We aim to respond to your claims quickly and pay promptly. If we have a query about your claim, this may take a little longer. If you need further advice on your claim, please ring, email or write to the membership team, who are always happy to discuss your best course of action with you.
Although not mandatory, it is very helpful to both you and us if you can discuss your proposed care plan with us as early as you can so that we both have a good idea of what you will be claiming for. However, the lack of such a discussion won’t stop you making a successful claim within the Rules.
NEWS
The latest news and publications from Lady Grover's Fund.
AGM Business
As indicated in our recent Newsletter, the AGM will be held on Zoom on Wednesday, June 8 at 1400. Here is the link to register. The Agenda
May 2022 Newsletter
The Lady Grover’s Fund May 2022 Newsletter is available to view here.
Member Distribution Payment Process
Following approval at the Special General Meeting (“SGM”) last October, the Society registered new Rules which took effect on 1 January 2022. These provide for future benefits
ABOUT LADY GROVER'S FUND
Lady Grover’s Hospital Fund for Officers’ Families was established in 1911 by Lady Grover whilst living in India as an Army wife. She had been deeply impressed by the need for some sort of scheme to help officers, primarily of the Indian Army, with hospital and nursing expenses arising out of the illness of their dependants.
At Lady Grover’s death, in 1912, the Committee of the Fund, most of whom had helped her to start the scheme, renamed the Fund as it is today, as a memorial to a very gracious lady. General Sir Malcolm Grover made the Fund his main interest on his retirement in 1919, and was responsible for building up the resources and benefits and for enlarging the scope of the Fund to include Officers of the three Services, serving anywhere in the world.
This altruistic task he performed admirably, and to the Fund’s very great prestige, until his death in 1945.
Lady Grover’s Fund has continued to evolve to help officers of all three Services and their dependants to access critical financial support when they need it the most – helping you to provide additional nursing, hospital or domestic care to assist recovery.
Lady Grover’s Fund assists with recovery after illness or injury, bridging the critical gap in healthcare provision which still exists between long-term health insurance, the NHS and family support. These benefits are as valid now as they were when the fund was founded.
When illness or injury strike, you can rely on the comfort of knowing that Lady Grover’s Fund will help you pick up the pieces of everyday life by providing financial support to meet the costs of nursing, hospital and domestic help during recovery.
Lady Grover
CONTACT US
GET IN TOUCH YOUR WAY
Our team is able to answer your enquiries by email, phone or post. We look forward to hearing from you.
Postal Address:
The Secretary, Lady Grover’s Fund,
40 Caversham Road, Reading, Berkshire RG1 7EB
Telephone: 020 7808 4180
Email: secretary@ladygrover.org.uk
Before you contact us you may wish to have a look at our Frequently Asked Questions to see whether they answer your query.
PROTECTING YOUR PRIVACY
We recognise that when you give us personal information (which includes health information) you’re trusting us to take good care of it. Please see our Privacy Statement for more information about how we collect, use and protect your data.
COMPLAINTS PROCEDURE
Lady Grover’s Fund (LGF) endeavours to treat its members in a courteous, fair and prompt manner and to provide an excellent service to members. If you have a complaint, feel you have been treated unfairly or are not satisfied with any aspect of LGF, its products or services, please refer to our Complaints Procedure. Complaints are taken very seriously and closely monitored by the Committee of Management.
ENQUIRY FORM
VALUED FRIENDS OF LADY GROVER’S FUND
