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 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 by our insurance
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 and Amount 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 £8,000 in any period of twelve months.
READY TO JOIN?
To apply for membership, please go to our JOIN THE FUND page.
The annual subscription starts from just £50 for those under the age of 50, rises to £60 for those under the age of 70, and for those aged 70+ is £70 for peace of mind cover.
|Age of Oldest Beneficiary of a Member||Base rate of Subscription
|Gross Subscription incl 0% change in CPI £pa*||Gross Subscription incl 12% IPT £pa*|
*Any variation in IPT and/or CPI rate will change the gross
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.
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.
MAKE A CLAIM
HOW TO MAKE A CLAIM
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.
The latest news and publications from Lady Grover's Fund
Ancient Chinese Curse – “May you live in interesting times” I joined Lady Grover’s Fund in May, and it has certainly been a challenge working through lockdown. Like many this year, we have had to adapt to new ways of working. Getting to know your new colleagues is a slow process! Lady Grover looks to the staff of the Officers’ Association (OA) to administer the fund, handle membership queries and, in particular, to process claims. Fortunately, before Covid struck, the OA was already gearing up to enable its staff to work from home – ahead of its move to Reading. Staff have been able to provide their normal service and we are up to date on meeting members’ claims. One welcome change this year was our decision to hold the AGM in June – on time, but online! This enabled a number of members to participate – far more than we normally get. We hope to repeat this in future years. Looking to the future, the strategy of Lady Grover is to attract new, younger, members. Part of my role is to develop the Society to make this easier, and we are pursuing this directly with our professional advisers. Our next newsletter will report on our progress. Stuart Bell – Acting CEO
95th AGM Minutes
Minutes from the Lady Grover’s Fund 95th Annual General Meeting are available to view here.
2020 Claims Update
Lady Grover’s Fund provides financial help at the most difficult of times. Lady Grovers’ Fund assists with recovery after illness or injury, bridging the critical gap in healthcare provision which exists between long-term health insurance, the NHS and family support. Whilst there are many grant-giving charities providing support to officer’s dependants, there are few able to provide the level of assistance Lady Grover’s Fund offers. In the first 3 quarters of 2020, Lady Grovers’ Fund has met the claims of 33 members and paid out a total sum of £41K to provide additional nursing, hospital or domestic care to people when they need it most. Period No of Claims Value of Claims Paid to Members January – March 17 £22k April – June 8 £12k July – September 8 £7k To see the scale of benefits for members, please click here.
May 2020 Newsletter
The Lady Grover’s Fund May 2020 Newsletter is available to view here.
Lady Grover in a COVID Climate
A Note from your Chairman. The Committee joins me in wishing you all the very best in these uncertain times. We are thinking of you wherever you are in the world and hope that you and your families are safe and well and remain so and we are mindful that most of our Members are within the group deemed most vulnerable. The Committee has already met using online technology and will continue to do so whilst social distancing is in force. I would like to reassure you that Lady Grover’s Fund is continuing to operate in these difficult times and existing members can make claims and eligible new people can continue to join the Fund. Please call or email us if you need advice or if you want to make a claim. For prospective members, I encourage you to consider joining; the benefits for your families far outweigh the cost. Just click on the Join tab. We will be sending all our members a newsletter shortly with more detail on these arrangements and normal Fund business; meanwhile, we wish you all the very best and hope that you and yours remain safe and healthy. John Gower Chairman
Special General Meeting
The Committee of Lady Grover’s Fund has called a Special General Meeting (SGM) on Tuesday 28 January 2020 at 1.30pm at Mountbarrow House, 6-20 Elizabeth Street, London SW1W 9RB. The business for discussion at the Meeting is to propose age-related subscriptions for members. Detailed proposals are set out in our newsletter. Members of Lady Grover’s Fund are invited to attend, or to comment by email to email@example.com or by letter to CEO at the above address. If you wish to attend, please inform the CEO as above by 3 January 2020.
The Lady Grover’s Fund 2019 Newsletter is available to view here.
Direct Debit service provider change
We have recently changed our direct debit service provider and all existing membership direct debits have been migrated across to the new provider. There is no need for you to take any action. For a short time you may see that there are two LGF direct debit mandates showing on your account. Please do not do anything to correct this or you may inadvertently cancel your subscription. No further payments will be taken using the old mandate. The first payment (for existing members) using the new mandate will be taken on 1st January 2020. We will be emailing or writing to every existing direct debit member shortly to inform you individually of this change. If you are not yet paying by direct debit please contact the membership administration team on firstname.lastname@example.org or call us on 020 7808 4180
Lady Grover’s Fund will hold their Annual General Meeting on 17 June 2019 at 2pm. The meeting will be held in Mountbarrow House, 6-20 Elizabeth Street, London SW1W 9RB. Members of the Fund are welcome to attend. If you wish to do so, please inform Mike Vickery, Lady Grover’s Fund CEO at email@example.com in order to register your admittance to Mountbarrow House.
The Lady Grover’s Fund 2018 Newsletter is available to view here.
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,
40 Caversham Road, Reading, Berkshire RG1 7EB
Telephone: 020 7808 4180
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.
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.
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