FREQUENTLY ASKED QUESTIONS

We’re always happy to answer questions you may have about Lady Grover’s Fund membership and the benefits we provide.

Here you’ll find a selection of questions and answers that we’ve already helped our customers with.

Membership Questions

A ‘Beneficiary’ is the person who benefits from the LGF membership ie. Is able to make an application for a grant towards the cost of unexpected illness or injury. From 1st January 2024, the beneficiary can be the individual who has joined LGF for their own benefit or the family or dependants of the former or serving officer who has joined LGF for the benefit of those family members or dependants. It can also be both – the member and their family can be Beneficiaries with two subscription/membership payments. Spouses and children (including adopted children and step children) under the age of 21 are currently the most commonly occurring type of Beneficiary. Dependant parents or step-parents of Members can also be Beneficiaries, providing they are under 65 years old when the member joins, or subsequently become dependent prior to attaining age 65.

If a Member predeceases their spouse, the widow or widower can become a Member in their own right for life and can apply for an award for the expense of their own illness. In order to qualify for this form of membership, the widow or widower must apply to join within two years of the death of their Member spouse.

The divorced spouse of a Member has the same rights to Benefit as a widow or widower. A widow or widower or divorced spouse of an officer who was not a Member can become a Member provided that at the date of application for membership they had not reached the age of 55.

A Beneficiary is a Member’s dependant who is covered by the Member’s membership of Lady Grover’s Fund. It is the illness of a Beneficiary which can start the application process. Spouses and children (including adopted children and step children) under the age of 21 are the most commonly occurring type of Beneficiary. Dependant parents or step-parents of Members can also be Beneficiaries, providing they are under 65 years old when the member joins, or subsequently become dependent prior to attaining age 65.

If you believe that your membership entitles you to make an application for someone else’s illness other than a spouse and children under 21, please get in touch with the Membership Team to enquire. We will then record that person as an eligible beneficiary.

Dependancy is interpreted by the Rules of Lady Grover’s Fund as one who is normally supported financially by the member or makes their permanent home with the member.

Spouse is defined to include civil partners and cohabitees. A divorced spouse is construed accordingly.

To be a beneficiary the member must be under 65 at the time of joining LGF. Similarly, dependants of the Member must be under 65 years old at the time of joining (or when they become dependent in the case of parents) in order for the member to be able to claim benefit for their injury or illness.

Beneficiaries must be under 65 when the member joins (or when they become dependent in the case of parents) in order for the member to be able to claim benefit for their illness.

Children of members remain Beneficiaries until they are 18 years old. If they are in permanent education or vocational training, they remain covered until they are 21.

If a member has paid their own subscription, they can apply for an award.

Yes, they can. Each pays a full subscription and is thus a member, so their spouse is covered. Their children can be covered under only one of the parents’ memberships.

Yes please. If a Member predeceases their spouse, the widow or widower can become a Member in their own right for life and can apply for an award under the Rules covering expenses related to their own illness. In order to qualify for their membership, the widow or widower must apply to join within two years of the death of their spouse.

If a Beneficiary predeceases their spouse and there are no other dependants, but the Member has paid their own subscription, the Member can continue to benefit from the Fund.

Yes please. The divorced spouse of a Member can become a member in their own right for life and can apply for an award under the Rules covering expenses related to their own illness. In order to qualify for this membership, the divorced spouse must apply to join within two years of their divorce provided that at the date of application for membership they had not reached the age of 65.

Claims Questions

We would like you to discuss your application for an award before submitting it. It is not mandatory to do so, but a discussion with the Team will ensure that your expectations and ours coincide. The Team can advise you on what you can apply for and what is inadmissible. There are advantages to discussing your application and care plan with the Team. You will avoid being disappointed by not receiving as much as you thought you were entitled to. You will receive advice on what you can apply for and what you need to produce by way of evidence for your expenditure. Please make sure you familiarise yourself with the Scale of Benefits document to remind yourself of the maximum duration and amount of awards.

If you don’t contact us before applying, we certainly won’t disallow your application for that reason, but it helps both you and us if you do. We certainly don’t want to delay your putting the care in place, so don’t delay because you haven’t got hold of us but do get in touch as soon as you can.

We do require a medical opinion on what is the nature of your illness/injury and what sort and duration of care you will need. If you have a stay in hospital following illness, injury or an operation, we would like to have your consultant’s signature on the application form at paragraph 3. We know that that is not always possible, but in that case your hospital discharge letter/documents will be sufficient as these are prepared in collaboration with your consultant. For cases of minor injury or illness when you don’t go to a hospital, your GP’s signature will suffice.

We do not grant awards which are related to pregnancy, or for chronic or recurrent conditions.

We will, however, use our discretion to consider an application for the first instance of a chronic condition. The Committee reserves the right to amend its practice in this regard.

Home Help is domestic help in the household. In this we include house-cleaning, washing up, cooking, making beds, lawn mowing, shopping or taking you shopping (we will pay for the time spent, but not mileage) and dog walking if you are unable to do that yourself. For Home Help you can claim up to £231 a week (£33 a day if you use it 7 days a week). You can claim up to a maximum of £2772 in any twelve month period. Although this is the equivalent of 12 weeks of Home Help, you can claim for a period of up to 15 weeks in any twelve month period.

Home Nursing covers more personal care at home and must be undertaken by a qualified nurse or carer. Included in this is personal care such as helping you get up and dress, getting in and out of a shower or bath, undressing and putting you to bed. If you require a change of dressings or similar nursing care, this will come under Home Nursing. For Home Nursing you can claim up to £385 per week for up to 8 weeks.

For Home Help and Home Nursing we will provide you with an easy chart on which you can keep track of the time and expense of the work done for you; this will act as a receipt when you make your application. Most carers and nurses will provide you with a formal receipt – if they do it would be that receipt that we need rather than our form.

We will do our best to explain the reasons our decision to you. There is a Complaints Procedure for you to follow if you remain unhappy.

Questions about Lady Grover’s Fund

Similarly to a building society, a friendly society, often known as a mutual, has traditionally been founded on behalf of a group of people who pay a relatively small amount of money over a long period in order to be able to provide protection in time of need.

For Home Help you can claim up to £252 a week (£36 a day if you use it 7 days a week). You can claim up to a maximum of £3024 in any twelve month period. Although this is the equivalent of 12 weeks of Home Help, you can claim for a period of up to 15 weeks in any twelve month period.

Para on Home Nursing change the amount from £385 to £420: Home Nursing covers more personal care at home and must be undertaken by a qualified nurse or carer. Included in this is personal care such as helping you get up and dress, getting in and out of a shower or bath, undressing and putting you to bed. If you require a change of dressings or similar nursing care, this will come under Home Nursing. For Home Nursing you can claim up to £420 per week for up to 8 weeks.

Lady Grover’s Fund is not a charity, but is run entirely for the benefit of its members.