NURSING OR CARE
DOMESTIC HELP FOLLOWING
ILLNESS OR INJURY
COST EFFECTIVE HEALTH INSURANCE FOR OFFICERS' FAMILIES
Our health insurance provides 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.
WHO WE HELP
- Dependants of officers of all three services and the Royal Fleet Auxilliary 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 by our insurance
READY TO JOIN?
To apply for membership, please download the Application Form and Direct Debit Form.
The annual subscription is £50 (equivalent to £4.17 per month). This includes Insurance Premium Tax and is liable to an annual increase at the pertaining rates of inflation and Insurance Premium Tax and also by decision at the AGM.
It is the serving or retired officer who joins the society as a member, entitling their dependants to receive benefits.
If you join after 30 June in any year, we will collect a half year’s subscription.
If you are unable to print these forms, the Secretary will be pleased to post them to you on application.
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.
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 £1694 per week.
The expense of the temporary employment of a qualified nurse or carer. Up to £346.50 per week.
The expense of convalescence (including travelling expenses) under medical advice in an accepted establishment. Up to £346.50 per week.
The expense of the temporary employment of domestic help. Up to £196.00 per week.
Maximum Duration of Claims
A member is entitled to receive nursing benefits in respect of 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 £2,352.00.
The maximum settlement payable to a member cannot exceed £6,930 in any period of twelve months.
MAKE A CLAIM
HOW TO MAKE A CLAIM
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.
The latest news and publications from Lady Grover's Fund
AGM 2018 Minutes
Minutes of the Lady Grover’s Fund 2018 Annual General Meeting are available to view here.
AGM 2017 Minutes
Minutes of the Lady Grover’s Fund 2017 Annual General Meeting are available to view here.
The Lady Grover’s Fund 2017 Newsletter is available to view here.
AGM 2016 Minutes
Minutes of the Lady Grover’s Fund 2016 Annual General Meeting are available to view here.
The Lady Grover’s Fund 2016 Newsletter is available to view here.
AGM 2015 Minutes
Minutes of the Lady Grover’s Fund 2015 Annual General Meeting are available to view here.
ABOUT LADY GROVER'S FUND
The Fund was established in 1911 by Lady Grover whilst living in India as an Army wife. She saw the need to help officers meet the costs of hospital and nursing care arising from family illnesses and injury, as there was no Services medical care available to families at that time.
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.
GET IN TOUCH YOUR WAY
Our team is able to answer your enquiries by email, phone or post. Alternatively, please make use of the email form provided here. We look forward to hearing from you.
The Secretary, Lady Grover’s Fund,
Mountbarrow House, 6-20 Elizabeth Street,
London SW1W 9RB
Telephone: 020 7808 4180 or 0845 873 7161
FAQs. 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.
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