ladygrover.org.uk – Healthcare benefits for officers’ families

Healthcare benefits for serving and former Officers and their families

HOSPITAL ACCOMMODATION

NURSING OR CARE AT HOME

DOMESTIC HELP FOLLOWING ILLNESS OR INJURY

CONVALESCENCE

Cost effective health benefits for serving and former officers and their families

By becoming a valued member of LGF, you and your family can enjoy peace of mind, knowing that you will receive financial support to help meet the costs of unexpected illness or injury.

Established in 1911, LGF has been providing invaluable health care support to the Officer community for over 100 years. The Fund helps serving and former Officers’ families meet the cost of unexpected illness and injury. From 1^st January 2024, LGF is opening up its membership for the first time. Serving and former Officers will be able to join as an individual, allowing them to access the LGF cover which, in the past, has only been available for their family and dependants. By joining our Friendly Society – owned by you, our members – you and your family can access critical financial support when you need it the most. It will enable you to access additional nursing and hospital care as well as domestic help, to stay on top of the demands of home life while you or your family member recover – care which you might otherwise be unable to afford.

Peace of mind starts from as little as £55 per annum. Join today.

Call us on 020 7808 4180. Lady Grover’s Fund operates under the following Rules.

MEMBERSHIP

WHO WE HELP

*from 1^st January 2024

Serving and former officers of all three services and the Royal Fleet Auxiliary
Families and dependants of all three services and the Royal Fleet Auxiliary whether serving or retired
Widows and 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 to 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. They may join as an individual member and/or on behalf of their family or dependants
Beneficiaries must be under the age of 65 when they join, in order to be eligible to apply for an award*
Widows and widowers of member officers can become members themselves at the same rates and with the same benefits

*Until 30^th June 2024, for existing members who are 65 years and above, there is the option to become an LGF beneficiary by paying a one-off, additional, age-related premium. This is calculated at half the subscription rates through the years from 65 years to the present day.
Find out more here.

A GUIDE TO BENEFITS

After six months from joining, members are entitled to apply for a grant towards the cost of nursing expenses, hospital accommodation, costs relating to convalescence and domestic help, incurred through unexpected 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 £385 per week.

*From 1^st Jan 2024, the allowance will increase to £420 per week

Recovery

The expense of convalescence (including travelling expenses) under medical advice in an accepted establishment. Up to £350 per week.

Home Help

The expense of temporary home help (including home cleaning, shopping and essential errands).
Up to £231 per week.

*From 1^st Jan 2024, the allowance will increase to £252 per week

Maximum Duration and Amount of Awards

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 the grant application does not exceed a maximum of £3024.

The maximum grant 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 £50 (increasing to £55 from 1^st Jan 2024) for those under the age of 50, and rises in stages for those aged 70+.

Age of Oldest Beneficiary

Under 50

50-59

60-69

70+

2023 Subscription £p.a.

50.00

60.00

70.00

80.00

2024 Subscription p.a. from 1 Jan 2024

55.00

65.00

80.00

95.00

Until 31^st December 2023, it is the serving or retired officer who joins the Fund as a member, entitling their family or dependants to receive benefits. From 1^st January 2024, serving or retired officers can join the Fund as an individual member, allowing them to receive LGF benefits. They can also choose to take out a membership, which covers their family and dependants.

CASE STUDIES

Read our beneficiaries' stories

MAKE A grant application

HOW TO apply for a grant

In order to apply for a grant, you will need to download a Grant Application 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 Grant Application Form. We will be unable to process your grant 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 application quickly and agree your grant promptly. If we have a query about your grant, this may take a little longer. If you need further advice on your application, please call, 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 the application involves. However, the lack of such a discussion won’t stop you making a successful application within the Rules.

NEWS

The latest news and publications from Lady Grover's Fund

Newsletter Spring/Summer 2023

The Lady Grover’s Fund Spring-Summer 2023 Newsletter is available to view here.

BRITISH MEDICAL JOURNAL 1913

Pennant Magazine LGF article, spring 2023

Kirsty Turnbull traces the history of the Lady Grover’s Fund, which has recently formed a partnership with the Officers’ Association.

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.