SlideShare uma empresa Scribd logo
1 de 22
Baixar para ler offline
Supporting People with Breast Cancer 2012

      Counting the Cost of Cancer
                Tony Carlin,
         Head Medical Social Worker,
             St. Luke’s Hospital
Introduction
• Dealing with cancer is stressful

• Practical problems can further increase one’s stress levels

• Practical guide – minimise frustration, stress and difficulties
  during this difficult period in your life

• Citizens Information
  Lo call 1890 777 121
Content
•   Financial Impact of Cancer
•   Social Welfare
•   Community Welfare
•   Medical Cards
•   Work
•   Carers
•   Dealing with Financial Problems
•   Travel
Financial Impact of Cancer
•   44% stated that cancer had made them less well off
•   58% had a decrease in income
•   30% reported a decrease in household income
•   11% reported an increase in household income
•   59% reported that there had been no change
•   6% used all of their savings
•   49% used some of their savings
•   85% took time off work
•   49% received sick pay
•   16% had a family member who changed their work pattern to help the person with cancer
•   24% had claimed a new social welfare payment
•   61% had received a medical card since their diagnosis
•   49% were in employment
•   71% had travel costs, (an average of €360 throughout treatment)
•   52% paid for parking
•   59% had increased household bills
Social Welfare
•   Different from Social Work
•   Essentially about payments, benefits and entitlements
•   Illness Benefit - Forms MC1 & MC2
•   Disability Allowance
•   Invalidity Pension
•   Carers Allowance/Carers Benefit
•   Respite Care Grant - €1700
•   Fuel Allowance - €20 per week (Oct.-April)
•   Free Travel Pass/Companion Pass
•   Living Alone Increase - €7.70
Community Welfare
• Frequently referred to as ‘the Relieving Officer’

• Up until recently were employed by HSE (now under Social Welfare) and are
  generally found at Health Centres on certain days of the week.

• Issue interim payments while waiting for a payment from Social Welfare -
  Supplementary Welfare Allowance

• Diet and Heating Supplements, Rent Supplement, Mortgage Interest
  Supplement.

• Exceptional Needs Payment (discretionary payment)

• Expect to be asked to fill out a number of forms

• CWO’s decision can be appealed to the Superintendent Community Welfare
  Officer
Helpful Hints for Form Filling
•   Use black pen
•   Write clearly
•   Get help if necessary
•   Do not leave boxes or sections free, cross out or write N/A (not applicable)
•   Make sure you have signed the form in all the appropriate places
•   Get a letter from a social worker, doctor and nurse etc. to support your application
•   Have someone check the form
•   Make a photocopy of the form or of any additional forms or correspondence
•   Make sure the address to which the form is going is correct
•   Consider registering the letter
•   Check that it has arrived after one week
•   Always have your PPS number to hand
•   Get a name and remember it – write it down
•   If using the phone – give yourself plenty of time
•   Do not lose your temper – generally it doesn’t help your case
•   Keep checking
•   Get others to check for you. They will need your PPS to do so.
Medical Cards
•   No consistency with regard to the allocation of medical cards
•   No automatic right to a card because you have cancer
•   Means assessed – based on income limits
•   If income comes solely from Social Welfare you may be given a Medical
    Card even if your income is in excess of the guidelines.
•   GP visits cards
•   Drug Repayment Scheme
•   Support letters
•   Two different medical card application forms under 70s and over 70s
•   Medical Cards now processed centrally in Finglas
•   Can apply and check staus of card online–www.medicalcard.ie
•   Can appeal decision not to grant a card – Always appeal – you’ve nothing to
    lose!
Helpful Hints with Medical Cards
•   Make sure you fill in the correct application form MC1 (Under 70s) & MC1a (Over
    70s)

•    Processed in Dublin:
    Client Registration Unit
    PO Box 11745
    Finglas
    Dublin 11 Tel. 1890 252 919 or (01) 8647100 or Fax (01) 8661445

•   Always keep a copy of application form

•   Make sure to include the required documentary evidence to support your
    application – if not processing of application will be delayed.

•   Get a letter of support from your consultant, GP, Social Worker , Counsellor etc. –
    everything helps
Helpful Hints with Medical Cards...cont’d
•   If sending application in by post – register it.

•   You can apply on line and check the status of your application

•   Follow up application with a phone call within the week – check that its arrived.

•   Get an approximate date as to when a decision will be made on your application.

•   Always get the name of the person you are dealing with and keep a note of it.

•   Get someone to assist you with phone calls etc.- make sure they have your
    documentation, PPS number etc.
Health Insurance
• VHI, Quinn Direct, Hibernian Aviva, Occuaptional Health Plans

• Various companies and plans give you a variety of entitlements

• Always check with your Insurer as to what your entitled to by your plan.

• VHI will not give cover for a pre-existing condition for five years

• Scans - check that the scan is eligible for benefit

• Convalescence – amount of allowance depends on the plan

• All private insurers give a contribution towards breast care products

• Nurseline Service 1850 247 724/ Best Doctors – Second opinion service

• Accommodation Benefit - €100 per day up to €1500 per year
Insurance Policies

• Insurance policy taken out prior to diagnosis
• Post diagnosis – may be excluded
• Specified Illness Cover – once off lump sum
  (25% of salary)
• Income Continuance
• Hospital Cash Plans €100/day, €50/day.
Medical Expenses
•   If no medical card or no health insurance and you require hospital admission, you
    are required to pay €75 per night for a maximum of ten nights for one calendar year

•   If you pay tax, you can claim back expenses for you and your dependents - MED 1
    Form

•   Can also claim for all breast care products

•   Claim at the end of the tax year

•   Enclose P60 and receipts

•   You may be able to claim back a percentage of money paid for GP visits, Nursing
    Home fees, private carers fees, balance of any claim not paid by private insurance,
    on the first €100 paid for drugs while on the drug repayment scheme.

•   VAT can be claimed back immediately for any medical equipment purchased e.g.
    stair lift, nebuliser etc
Medical Expenses – Inability to Pay
• Threatening letters from Debt Collection Agencies

• Waivers of medical expenses
Hardship Scheme – Inpatient/Outpatient Charges
•   Health (Amendment) Act 2005 4(b)(4)

•   HSE may reduce or waive charge imposed on a person if it is of the opinion
    that, having regard to the financial circumstances of that person, it is
    necessary to do so in order to avoid undue financial hardship in relation to
    that person

•   A person or their representative may make a request to the Authorised
    Officer to reduce or waive the charge for maintenance on financial
    hardship grounds. Financial Hardship needs to be demonstrated to the
    satisfaction of the Authorised Officer that the money remaining with the
    person having taken the charge into account is insufficient to meet their
    reasonalble needs.

•   Contact: Senior Executive Officer, Acute Hospitals and Services for the
    Elderly Programme, Dr. Steeven’s Hospital.          (01) 6790700
Disability Payments and Work
•   If on Disability Allowance, you can do rehabilitative work and keep your social welfare payment.

•   Can earn up to €120 per week without it effecting your payment

•   Maximum that can be earned is €422.50 (Disability Allowance) while still retaining minimum payment of €3.00

•   Therapeutic work should not exceed 20 hours per week

•   Need to get permission from the Department of Social Protection.

•   A letter from your doctor and /or social worker helpful in this regard.

•   You can also participate on a FAS/Solas training course or a Community Employment scheme but you will not be able to keep
    your social welfare payment.

•   FAS/Solas Training Allowance at same rate as social welfare allowance as well as a training bonus

•   If you are getting Invalidity Pension or Illness Benefit, you can participate in a Fas training course and keep your social welfare
    payment.

•   If you wish to work you must transfer to the new Partial Capacity Scheme (with the exception of voluntary unpaid work).

•   Work which you do on the Partial Capacity Scheme does not have to be considered rehabilitative

•   Need to be on Illness Benefit for at least six months before you will be considered for approval
Carers
•   Caring can take many forms
•   Caring is stressful
•   Stress can effect you physically and emotionally
•   Carers Association
•   National Careline 1800 240 724
•   Carers Allowance, Carers Benefit, Respite Care Grant
•   Carers Leave – 104 weeks
•   Home Care Packages – no guidelines on how to
    qualify – a person needs 10 hours or more
•   Private Carers
Financial difficulties
• Money Advice & Budgeting Service (MABS)

• MABS Helpline 1890 283 438 (9am-8pm Monday –
  Friday) or email helpline@mabs.ie

• Offices throughout the country

• Free Service

• Confidential Service
Financial Difficulties
• Financial Assistance may be provided by a number of
  charitable organisations

• It is not an entitlement or a grant!

• Financial problems must be directly related to cancer

• For those in dire circumstances or in crisis

• Will only be applied for when all other avenues have
  been explored
Travel

•   Source of great difficulty and stress for patients

•   Public transport, taxis, petrol costs, parking

•   CWOs reluctant to pay travel costs – discretionary and depends on the area

•   Some hospitals provide transport – not ideal

•   Volunteer Driver Scheme – Care to Drive

•   Travel2Care Scheme
Travel2Care
•   Must be attending or have attended one of the designated cancer centres, Beaumont, St.
    Vincent’s, St. James’s, Mater, Limerick, Galway UH, Cork UH or Waterford RH

•   Scheme now covers all cancers

•   Patient must be travelling 30 km or more to the disignated centre

•   Scheme administered by Irish Cancer Society

•   Two separate forms

•   Form A – Investigations –to be filled in by patient and partner

•   Form B – Ongoing treatment – to be filled out by health care professional and signed by patient

•   Forms available from ICS, ( Siobhan Dixon (01) 2316619), ICS Website or from the Breast Care
    Clinics

•   Look for assistance in filling them in
Questions?

Mais conteúdo relacionado

Mais procurados

Retiree Medicare Presentation by Aon Hewitt May 11, 2015
Retiree Medicare Presentation by Aon Hewitt May 11, 2015Retiree Medicare Presentation by Aon Hewitt May 11, 2015
Retiree Medicare Presentation by Aon Hewitt May 11, 2015sfhss
 
Reducing Health Disparities: The Journey of Brightpoint Health
Reducing Health Disparities: The Journey of Brightpoint HealthReducing Health Disparities: The Journey of Brightpoint Health
Reducing Health Disparities: The Journey of Brightpoint HealthBrightpoint Health
 
Clare Mahoney - Health, wellbeing and the environment
Clare Mahoney - Health, wellbeing and the environmentClare Mahoney - Health, wellbeing and the environment
Clare Mahoney - Health, wellbeing and the environmentInnovation Agency
 
Health centers, the cornerstones of Finnish health care system
Health centers, the cornerstones of Finnish health care systemHealth centers, the cornerstones of Finnish health care system
Health centers, the cornerstones of Finnish health care systemTHL
 
Gwent Frailty Project
Gwent Frailty Project Gwent Frailty Project
Gwent Frailty Project Dave Mckenna
 
Andy Kinnear, Connecting Care
Andy Kinnear, Connecting CareAndy Kinnear, Connecting Care
Andy Kinnear, Connecting CareInvestnet
 
Healthwatch Stoke Annual meeting 2019
Healthwatch Stoke Annual meeting 2019Healthwatch Stoke Annual meeting 2019
Healthwatch Stoke Annual meeting 2019healthwatchstoke
 
Open Enrollment for 2015 Benefits
Open Enrollment for 2015 BenefitsOpen Enrollment for 2015 Benefits
Open Enrollment for 2015 Benefitsworkingatduke
 
Orygen Youth Health
Orygen Youth Health Orygen Youth Health
Orygen Youth Health Bagus Utomo
 
Open Enrollment Presentation 2014
Open Enrollment Presentation 2014 Open Enrollment Presentation 2014
Open Enrollment Presentation 2014 riversidemc
 
Laporan kunjungan ke Mind Australia
Laporan kunjungan ke Mind AustraliaLaporan kunjungan ke Mind Australia
Laporan kunjungan ke Mind AustraliaBagus Utomo
 
New Trends in Healthcare and their Impacts on Hospital Planning and Design by...
New Trends in Healthcare and their Impacts on Hospital Planning and Design by...New Trends in Healthcare and their Impacts on Hospital Planning and Design by...
New Trends in Healthcare and their Impacts on Hospital Planning and Design by...Musa Ajlouni
 
Transforming healthcare 2013
Transforming healthcare 2013Transforming healthcare 2013
Transforming healthcare 2013Pearlhunter
 
Personal Health Budgets and Continuing Healthcare
Personal Health Budgets and Continuing HealthcarePersonal Health Budgets and Continuing Healthcare
Personal Health Budgets and Continuing HealthcareMS Trust
 

Mais procurados (20)

Retiree Medicare Presentation by Aon Hewitt May 11, 2015
Retiree Medicare Presentation by Aon Hewitt May 11, 2015Retiree Medicare Presentation by Aon Hewitt May 11, 2015
Retiree Medicare Presentation by Aon Hewitt May 11, 2015
 
Reducing Health Disparities: The Journey of Brightpoint Health
Reducing Health Disparities: The Journey of Brightpoint HealthReducing Health Disparities: The Journey of Brightpoint Health
Reducing Health Disparities: The Journey of Brightpoint Health
 
Clare Mahoney - Health, wellbeing and the environment
Clare Mahoney - Health, wellbeing and the environmentClare Mahoney - Health, wellbeing and the environment
Clare Mahoney - Health, wellbeing and the environment
 
Health centers, the cornerstones of Finnish health care system
Health centers, the cornerstones of Finnish health care systemHealth centers, the cornerstones of Finnish health care system
Health centers, the cornerstones of Finnish health care system
 
Gpsc new codes
Gpsc new codesGpsc new codes
Gpsc new codes
 
Gwent Frailty Project
Gwent Frailty Project Gwent Frailty Project
Gwent Frailty Project
 
Andy Kinnear, Connecting Care
Andy Kinnear, Connecting CareAndy Kinnear, Connecting Care
Andy Kinnear, Connecting Care
 
Healthwatch Stoke Annual meeting 2019
Healthwatch Stoke Annual meeting 2019Healthwatch Stoke Annual meeting 2019
Healthwatch Stoke Annual meeting 2019
 
Open Enrollment for 2015 Benefits
Open Enrollment for 2015 BenefitsOpen Enrollment for 2015 Benefits
Open Enrollment for 2015 Benefits
 
Orygen Youth Health
Orygen Youth Health Orygen Youth Health
Orygen Youth Health
 
Temporary 457 Visa Holders
Temporary 457 Visa HoldersTemporary 457 Visa Holders
Temporary 457 Visa Holders
 
Open Enrollment Presentation 2014
Open Enrollment Presentation 2014 Open Enrollment Presentation 2014
Open Enrollment Presentation 2014
 
Health insurance 1
Health insurance 1Health insurance 1
Health insurance 1
 
Laporan kunjungan ke Mind Australia
Laporan kunjungan ke Mind AustraliaLaporan kunjungan ke Mind Australia
Laporan kunjungan ke Mind Australia
 
New Trends in Healthcare and their Impacts on Hospital Planning and Design by...
New Trends in Healthcare and their Impacts on Hospital Planning and Design by...New Trends in Healthcare and their Impacts on Hospital Planning and Design by...
New Trends in Healthcare and their Impacts on Hospital Planning and Design by...
 
Transforming healthcare 2013
Transforming healthcare 2013Transforming healthcare 2013
Transforming healthcare 2013
 
Employee Benefit Guide Avon
Employee Benefit Guide AvonEmployee Benefit Guide Avon
Employee Benefit Guide Avon
 
Personal Health Budgets and Continuing Healthcare
Personal Health Budgets and Continuing HealthcarePersonal Health Budgets and Continuing Healthcare
Personal Health Budgets and Continuing Healthcare
 
Janani suraksha yojana
Janani suraksha yojanaJanani suraksha yojana
Janani suraksha yojana
 
Introduction To Long-Term Care
Introduction To Long-Term CareIntroduction To Long-Term Care
Introduction To Long-Term Care
 

Semelhante a Counting the cost - Tony Carlin

Counting the cost of cancer
Counting the cost of cancerCounting the cost of cancer
Counting the cost of cancerPaul Dunne
 
Some notes about the affordable care act
Some notes about the affordable care actSome notes about the affordable care act
Some notes about the affordable care actphochicago
 
Kela, what every health care professional should know
Kela, what every health care professional should knowKela, what every health care professional should know
Kela, what every health care professional should knowTHL
 
Employee Benefit Guide Falcon
Employee Benefit Guide Falcon Employee Benefit Guide Falcon
Employee Benefit Guide Falcon Britton Gallagher
 
The Australian Health Care System
The Australian Health Care SystemThe Australian Health Care System
The Australian Health Care SystemVisaExperts
 
Employee Benefit Guide Lansing
Employee Benefit Guide LansingEmployee Benefit Guide Lansing
Employee Benefit Guide LansingBritton Gallagher
 
Marjukka Turunen basic income experiment in practice 12012017
Marjukka Turunen basic income experiment in practice 12012017Marjukka Turunen basic income experiment in practice 12012017
Marjukka Turunen basic income experiment in practice 12012017Kela
 
Afs affordable care act
Afs affordable care actAfs affordable care act
Afs affordable care actjleve
 
Salford universal credit first phase
Salford universal credit first phaseSalford universal credit first phase
Salford universal credit first phaseDaleEccleston
 
Can integration reduce hospital admissions 2
Can integration reduce hospital admissions 2Can integration reduce hospital admissions 2
Can integration reduce hospital admissions 2RICHARD YOUNG
 
Ethica Health & Retirement Communities
Ethica Health & Retirement CommunitiesEthica Health & Retirement Communities
Ethica Health & Retirement CommunitiesSamantha Haas
 

Semelhante a Counting the cost - Tony Carlin (20)

Counting the cost of cancer
Counting the cost of cancerCounting the cost of cancer
Counting the cost of cancer
 
Some notes about the affordable care act
Some notes about the affordable care actSome notes about the affordable care act
Some notes about the affordable care act
 
Kela, what every health care professional should know
Kela, what every health care professional should knowKela, what every health care professional should know
Kela, what every health care professional should know
 
Presentation1 2
Presentation1 2Presentation1 2
Presentation1 2
 
Employee Benefit Guide Falcon
Employee Benefit Guide Falcon Employee Benefit Guide Falcon
Employee Benefit Guide Falcon
 
Employee Benefit Guide VR
Employee Benefit Guide VREmployee Benefit Guide VR
Employee Benefit Guide VR
 
Employee Benefit Guide CCI
Employee Benefit Guide CCIEmployee Benefit Guide CCI
Employee Benefit Guide CCI
 
Employee Benefit Guide GD
Employee Benefit Guide GDEmployee Benefit Guide GD
Employee Benefit Guide GD
 
The Australian Health Care System
The Australian Health Care SystemThe Australian Health Care System
The Australian Health Care System
 
OBAMACARE 101
OBAMACARE 101OBAMACARE 101
OBAMACARE 101
 
Employee Benefit Guide Lansing
Employee Benefit Guide LansingEmployee Benefit Guide Lansing
Employee Benefit Guide Lansing
 
Wesleyan 02
Wesleyan 02Wesleyan 02
Wesleyan 02
 
Fieldtrip to health centre
Fieldtrip to health centreFieldtrip to health centre
Fieldtrip to health centre
 
How the basic income experiment works in practice
How the basic income experiment works in practiceHow the basic income experiment works in practice
How the basic income experiment works in practice
 
Marjukka Turunen basic income experiment in practice 12012017
Marjukka Turunen basic income experiment in practice 12012017Marjukka Turunen basic income experiment in practice 12012017
Marjukka Turunen basic income experiment in practice 12012017
 
Wesleyan 01
Wesleyan 01 Wesleyan 01
Wesleyan 01
 
Afs affordable care act
Afs affordable care actAfs affordable care act
Afs affordable care act
 
Salford universal credit first phase
Salford universal credit first phaseSalford universal credit first phase
Salford universal credit first phase
 
Can integration reduce hospital admissions 2
Can integration reduce hospital admissions 2Can integration reduce hospital admissions 2
Can integration reduce hospital admissions 2
 
Ethica Health & Retirement Communities
Ethica Health & Retirement CommunitiesEthica Health & Retirement Communities
Ethica Health & Retirement Communities
 

Mais de Irish Cancer Society

Plasma 25-Hydroxyvitamin D Concentration, VDR polymorphisms and their Interac...
Plasma 25-Hydroxyvitamin D Concentration, VDR polymorphisms and their Interac...Plasma 25-Hydroxyvitamin D Concentration, VDR polymorphisms and their Interac...
Plasma 25-Hydroxyvitamin D Concentration, VDR polymorphisms and their Interac...Irish Cancer Society
 
The International Classification of Functioning (ICF) Core Set for breast can...
The International Classification of Functioning (ICF) Core Set for breast can...The International Classification of Functioning (ICF) Core Set for breast can...
The International Classification of Functioning (ICF) Core Set for breast can...Irish Cancer Society
 
Developing a national strategy for research into cancer survivorship in the U...
Developing a national strategy for research into cancer survivorship in the U...Developing a national strategy for research into cancer survivorship in the U...
Developing a national strategy for research into cancer survivorship in the U...Irish Cancer Society
 
Physical and psychological side-effects following prostate cancer treatments ...
Physical and psychological side-effects following prostate cancer treatments ...Physical and psychological side-effects following prostate cancer treatments ...
Physical and psychological side-effects following prostate cancer treatments ...Irish Cancer Society
 
Cancer Survivorship: longer term issues and the role of primary care - Prof E...
Cancer Survivorship: longer term issues and the role of primary care - Prof E...Cancer Survivorship: longer term issues and the role of primary care - Prof E...
Cancer Survivorship: longer term issues and the role of primary care - Prof E...Irish Cancer Society
 
Quality of Life of Head and Neck Cancer Survivors in Urban and Rural Ireland ...
Quality of Life of Head and Neck Cancer Survivors in Urban and Rural Ireland ...Quality of Life of Head and Neck Cancer Survivors in Urban and Rural Ireland ...
Quality of Life of Head and Neck Cancer Survivors in Urban and Rural Ireland ...Irish Cancer Society
 
Markers of low socio-economic status and lack of social support are associate...
Markers of low socio-economic status and lack of social support are associate...Markers of low socio-economic status and lack of social support are associate...
Markers of low socio-economic status and lack of social support are associate...Irish Cancer Society
 
Developing a cancer survivorship research agenda - Prof Patricia Ganz
Developing a cancer survivorship research agenda - Prof Patricia GanzDeveloping a cancer survivorship research agenda - Prof Patricia Ganz
Developing a cancer survivorship research agenda - Prof Patricia GanzIrish Cancer Society
 
Professor Sir Michael Marmot's Charles Cully Lecture on health inequalities a...
Professor Sir Michael Marmot's Charles Cully Lecture on health inequalities a...Professor Sir Michael Marmot's Charles Cully Lecture on health inequalities a...
Professor Sir Michael Marmot's Charles Cully Lecture on health inequalities a...Irish Cancer Society
 
Hanne müller moving people bridging gaps in physical activity levels in eu...
Hanne müller  moving people   bridging gaps in physical activity levels in eu...Hanne müller  moving people   bridging gaps in physical activity levels in eu...
Hanne müller moving people bridging gaps in physical activity levels in eu...Irish Cancer Society
 
Physical Activity and Cancer, a review of innovative current research. Dr. Ni...
Physical Activity and Cancer, a review of innovative current research. Dr. Ni...Physical Activity and Cancer, a review of innovative current research. Dr. Ni...
Physical Activity and Cancer, a review of innovative current research. Dr. Ni...Irish Cancer Society
 
Moving People, Hanne Müller. European Physical Activity Promotion Forum (MOVE)
Moving People, Hanne Müller. European Physical Activity Promotion Forum (MOVE)Moving People, Hanne Müller. European Physical Activity Promotion Forum (MOVE)
Moving People, Hanne Müller. European Physical Activity Promotion Forum (MOVE)Irish Cancer Society
 
Food Policy in Practice, Dr. Cliodhna Foley-Nolan, Dorector of Human Nutritio...
Food Policy in Practice, Dr. Cliodhna Foley-Nolan, Dorector of Human Nutritio...Food Policy in Practice, Dr. Cliodhna Foley-Nolan, Dorector of Human Nutritio...
Food Policy in Practice, Dr. Cliodhna Foley-Nolan, Dorector of Human Nutritio...Irish Cancer Society
 
Tackling Obesity in Ireland, Ursula O'Dwyer, Health Promotion Policy Adviser,...
Tackling Obesity in Ireland, Ursula O'Dwyer, Health Promotion Policy Adviser,...Tackling Obesity in Ireland, Ursula O'Dwyer, Health Promotion Policy Adviser,...
Tackling Obesity in Ireland, Ursula O'Dwyer, Health Promotion Policy Adviser,...Irish Cancer Society
 
Lessons to be Learned from the Danish Food Taxations, Jorgen Dejgaard Jensen
Lessons to be Learned from the Danish Food Taxations, Jorgen Dejgaard JensenLessons to be Learned from the Danish Food Taxations, Jorgen Dejgaard Jensen
Lessons to be Learned from the Danish Food Taxations, Jorgen Dejgaard JensenIrish Cancer Society
 
Engaging Men in Physical Activity, Sandra Gordon, Cancer Focus Northern Irela...
Engaging Men in Physical Activity, Sandra Gordon, Cancer Focus Northern Irela...Engaging Men in Physical Activity, Sandra Gordon, Cancer Focus Northern Irela...
Engaging Men in Physical Activity, Sandra Gordon, Cancer Focus Northern Irela...Irish Cancer Society
 
Making the Tobacco Industry Pay, Ms. Rachel Foley - European Week Against Ca...
Making the Tobacco Industry Pay, Ms. Rachel Foley - European  Week Against Ca...Making the Tobacco Industry Pay, Ms. Rachel Foley - European  Week Against Ca...
Making the Tobacco Industry Pay, Ms. Rachel Foley - European Week Against Ca...Irish Cancer Society
 
Standard Packs, making change happen. Dr. Jean King CRUK
Standard Packs, making change happen. Dr. Jean King CRUKStandard Packs, making change happen. Dr. Jean King CRUK
Standard Packs, making change happen. Dr. Jean King CRUKIrish Cancer Society
 
Health Inequalities and Smoking, Dr. Helen McAvoy
Health Inequalities and Smoking, Dr. Helen McAvoyHealth Inequalities and Smoking, Dr. Helen McAvoy
Health Inequalities and Smoking, Dr. Helen McAvoyIrish Cancer Society
 
Alcohol - From Action to Awareness, Dr. Peter Rice - SHAAP
Alcohol - From Action to Awareness, Dr. Peter Rice - SHAAPAlcohol - From Action to Awareness, Dr. Peter Rice - SHAAP
Alcohol - From Action to Awareness, Dr. Peter Rice - SHAAPIrish Cancer Society
 

Mais de Irish Cancer Society (20)

Plasma 25-Hydroxyvitamin D Concentration, VDR polymorphisms and their Interac...
Plasma 25-Hydroxyvitamin D Concentration, VDR polymorphisms and their Interac...Plasma 25-Hydroxyvitamin D Concentration, VDR polymorphisms and their Interac...
Plasma 25-Hydroxyvitamin D Concentration, VDR polymorphisms and their Interac...
 
The International Classification of Functioning (ICF) Core Set for breast can...
The International Classification of Functioning (ICF) Core Set for breast can...The International Classification of Functioning (ICF) Core Set for breast can...
The International Classification of Functioning (ICF) Core Set for breast can...
 
Developing a national strategy for research into cancer survivorship in the U...
Developing a national strategy for research into cancer survivorship in the U...Developing a national strategy for research into cancer survivorship in the U...
Developing a national strategy for research into cancer survivorship in the U...
 
Physical and psychological side-effects following prostate cancer treatments ...
Physical and psychological side-effects following prostate cancer treatments ...Physical and psychological side-effects following prostate cancer treatments ...
Physical and psychological side-effects following prostate cancer treatments ...
 
Cancer Survivorship: longer term issues and the role of primary care - Prof E...
Cancer Survivorship: longer term issues and the role of primary care - Prof E...Cancer Survivorship: longer term issues and the role of primary care - Prof E...
Cancer Survivorship: longer term issues and the role of primary care - Prof E...
 
Quality of Life of Head and Neck Cancer Survivors in Urban and Rural Ireland ...
Quality of Life of Head and Neck Cancer Survivors in Urban and Rural Ireland ...Quality of Life of Head and Neck Cancer Survivors in Urban and Rural Ireland ...
Quality of Life of Head and Neck Cancer Survivors in Urban and Rural Ireland ...
 
Markers of low socio-economic status and lack of social support are associate...
Markers of low socio-economic status and lack of social support are associate...Markers of low socio-economic status and lack of social support are associate...
Markers of low socio-economic status and lack of social support are associate...
 
Developing a cancer survivorship research agenda - Prof Patricia Ganz
Developing a cancer survivorship research agenda - Prof Patricia GanzDeveloping a cancer survivorship research agenda - Prof Patricia Ganz
Developing a cancer survivorship research agenda - Prof Patricia Ganz
 
Professor Sir Michael Marmot's Charles Cully Lecture on health inequalities a...
Professor Sir Michael Marmot's Charles Cully Lecture on health inequalities a...Professor Sir Michael Marmot's Charles Cully Lecture on health inequalities a...
Professor Sir Michael Marmot's Charles Cully Lecture on health inequalities a...
 
Hanne müller moving people bridging gaps in physical activity levels in eu...
Hanne müller  moving people   bridging gaps in physical activity levels in eu...Hanne müller  moving people   bridging gaps in physical activity levels in eu...
Hanne müller moving people bridging gaps in physical activity levels in eu...
 
Physical Activity and Cancer, a review of innovative current research. Dr. Ni...
Physical Activity and Cancer, a review of innovative current research. Dr. Ni...Physical Activity and Cancer, a review of innovative current research. Dr. Ni...
Physical Activity and Cancer, a review of innovative current research. Dr. Ni...
 
Moving People, Hanne Müller. European Physical Activity Promotion Forum (MOVE)
Moving People, Hanne Müller. European Physical Activity Promotion Forum (MOVE)Moving People, Hanne Müller. European Physical Activity Promotion Forum (MOVE)
Moving People, Hanne Müller. European Physical Activity Promotion Forum (MOVE)
 
Food Policy in Practice, Dr. Cliodhna Foley-Nolan, Dorector of Human Nutritio...
Food Policy in Practice, Dr. Cliodhna Foley-Nolan, Dorector of Human Nutritio...Food Policy in Practice, Dr. Cliodhna Foley-Nolan, Dorector of Human Nutritio...
Food Policy in Practice, Dr. Cliodhna Foley-Nolan, Dorector of Human Nutritio...
 
Tackling Obesity in Ireland, Ursula O'Dwyer, Health Promotion Policy Adviser,...
Tackling Obesity in Ireland, Ursula O'Dwyer, Health Promotion Policy Adviser,...Tackling Obesity in Ireland, Ursula O'Dwyer, Health Promotion Policy Adviser,...
Tackling Obesity in Ireland, Ursula O'Dwyer, Health Promotion Policy Adviser,...
 
Lessons to be Learned from the Danish Food Taxations, Jorgen Dejgaard Jensen
Lessons to be Learned from the Danish Food Taxations, Jorgen Dejgaard JensenLessons to be Learned from the Danish Food Taxations, Jorgen Dejgaard Jensen
Lessons to be Learned from the Danish Food Taxations, Jorgen Dejgaard Jensen
 
Engaging Men in Physical Activity, Sandra Gordon, Cancer Focus Northern Irela...
Engaging Men in Physical Activity, Sandra Gordon, Cancer Focus Northern Irela...Engaging Men in Physical Activity, Sandra Gordon, Cancer Focus Northern Irela...
Engaging Men in Physical Activity, Sandra Gordon, Cancer Focus Northern Irela...
 
Making the Tobacco Industry Pay, Ms. Rachel Foley - European Week Against Ca...
Making the Tobacco Industry Pay, Ms. Rachel Foley - European  Week Against Ca...Making the Tobacco Industry Pay, Ms. Rachel Foley - European  Week Against Ca...
Making the Tobacco Industry Pay, Ms. Rachel Foley - European Week Against Ca...
 
Standard Packs, making change happen. Dr. Jean King CRUK
Standard Packs, making change happen. Dr. Jean King CRUKStandard Packs, making change happen. Dr. Jean King CRUK
Standard Packs, making change happen. Dr. Jean King CRUK
 
Health Inequalities and Smoking, Dr. Helen McAvoy
Health Inequalities and Smoking, Dr. Helen McAvoyHealth Inequalities and Smoking, Dr. Helen McAvoy
Health Inequalities and Smoking, Dr. Helen McAvoy
 
Alcohol - From Action to Awareness, Dr. Peter Rice - SHAAP
Alcohol - From Action to Awareness, Dr. Peter Rice - SHAAPAlcohol - From Action to Awareness, Dr. Peter Rice - SHAAP
Alcohol - From Action to Awareness, Dr. Peter Rice - SHAAP
 

Counting the cost - Tony Carlin

  • 1. Supporting People with Breast Cancer 2012 Counting the Cost of Cancer Tony Carlin, Head Medical Social Worker, St. Luke’s Hospital
  • 2. Introduction • Dealing with cancer is stressful • Practical problems can further increase one’s stress levels • Practical guide – minimise frustration, stress and difficulties during this difficult period in your life • Citizens Information Lo call 1890 777 121
  • 3. Content • Financial Impact of Cancer • Social Welfare • Community Welfare • Medical Cards • Work • Carers • Dealing with Financial Problems • Travel
  • 4. Financial Impact of Cancer • 44% stated that cancer had made them less well off • 58% had a decrease in income • 30% reported a decrease in household income • 11% reported an increase in household income • 59% reported that there had been no change • 6% used all of their savings • 49% used some of their savings • 85% took time off work • 49% received sick pay • 16% had a family member who changed their work pattern to help the person with cancer • 24% had claimed a new social welfare payment • 61% had received a medical card since their diagnosis • 49% were in employment • 71% had travel costs, (an average of €360 throughout treatment) • 52% paid for parking • 59% had increased household bills
  • 5. Social Welfare • Different from Social Work • Essentially about payments, benefits and entitlements • Illness Benefit - Forms MC1 & MC2 • Disability Allowance • Invalidity Pension • Carers Allowance/Carers Benefit • Respite Care Grant - €1700 • Fuel Allowance - €20 per week (Oct.-April) • Free Travel Pass/Companion Pass • Living Alone Increase - €7.70
  • 6. Community Welfare • Frequently referred to as ‘the Relieving Officer’ • Up until recently were employed by HSE (now under Social Welfare) and are generally found at Health Centres on certain days of the week. • Issue interim payments while waiting for a payment from Social Welfare - Supplementary Welfare Allowance • Diet and Heating Supplements, Rent Supplement, Mortgage Interest Supplement. • Exceptional Needs Payment (discretionary payment) • Expect to be asked to fill out a number of forms • CWO’s decision can be appealed to the Superintendent Community Welfare Officer
  • 7. Helpful Hints for Form Filling • Use black pen • Write clearly • Get help if necessary • Do not leave boxes or sections free, cross out or write N/A (not applicable) • Make sure you have signed the form in all the appropriate places • Get a letter from a social worker, doctor and nurse etc. to support your application • Have someone check the form • Make a photocopy of the form or of any additional forms or correspondence • Make sure the address to which the form is going is correct • Consider registering the letter • Check that it has arrived after one week • Always have your PPS number to hand • Get a name and remember it – write it down • If using the phone – give yourself plenty of time • Do not lose your temper – generally it doesn’t help your case • Keep checking • Get others to check for you. They will need your PPS to do so.
  • 8. Medical Cards • No consistency with regard to the allocation of medical cards • No automatic right to a card because you have cancer • Means assessed – based on income limits • If income comes solely from Social Welfare you may be given a Medical Card even if your income is in excess of the guidelines. • GP visits cards • Drug Repayment Scheme • Support letters • Two different medical card application forms under 70s and over 70s • Medical Cards now processed centrally in Finglas • Can apply and check staus of card online–www.medicalcard.ie • Can appeal decision not to grant a card – Always appeal – you’ve nothing to lose!
  • 9. Helpful Hints with Medical Cards • Make sure you fill in the correct application form MC1 (Under 70s) & MC1a (Over 70s) • Processed in Dublin: Client Registration Unit PO Box 11745 Finglas Dublin 11 Tel. 1890 252 919 or (01) 8647100 or Fax (01) 8661445 • Always keep a copy of application form • Make sure to include the required documentary evidence to support your application – if not processing of application will be delayed. • Get a letter of support from your consultant, GP, Social Worker , Counsellor etc. – everything helps
  • 10. Helpful Hints with Medical Cards...cont’d • If sending application in by post – register it. • You can apply on line and check the status of your application • Follow up application with a phone call within the week – check that its arrived. • Get an approximate date as to when a decision will be made on your application. • Always get the name of the person you are dealing with and keep a note of it. • Get someone to assist you with phone calls etc.- make sure they have your documentation, PPS number etc.
  • 11. Health Insurance • VHI, Quinn Direct, Hibernian Aviva, Occuaptional Health Plans • Various companies and plans give you a variety of entitlements • Always check with your Insurer as to what your entitled to by your plan. • VHI will not give cover for a pre-existing condition for five years • Scans - check that the scan is eligible for benefit • Convalescence – amount of allowance depends on the plan • All private insurers give a contribution towards breast care products • Nurseline Service 1850 247 724/ Best Doctors – Second opinion service • Accommodation Benefit - €100 per day up to €1500 per year
  • 12. Insurance Policies • Insurance policy taken out prior to diagnosis • Post diagnosis – may be excluded • Specified Illness Cover – once off lump sum (25% of salary) • Income Continuance • Hospital Cash Plans €100/day, €50/day.
  • 13. Medical Expenses • If no medical card or no health insurance and you require hospital admission, you are required to pay €75 per night for a maximum of ten nights for one calendar year • If you pay tax, you can claim back expenses for you and your dependents - MED 1 Form • Can also claim for all breast care products • Claim at the end of the tax year • Enclose P60 and receipts • You may be able to claim back a percentage of money paid for GP visits, Nursing Home fees, private carers fees, balance of any claim not paid by private insurance, on the first €100 paid for drugs while on the drug repayment scheme. • VAT can be claimed back immediately for any medical equipment purchased e.g. stair lift, nebuliser etc
  • 14. Medical Expenses – Inability to Pay • Threatening letters from Debt Collection Agencies • Waivers of medical expenses
  • 15. Hardship Scheme – Inpatient/Outpatient Charges • Health (Amendment) Act 2005 4(b)(4) • HSE may reduce or waive charge imposed on a person if it is of the opinion that, having regard to the financial circumstances of that person, it is necessary to do so in order to avoid undue financial hardship in relation to that person • A person or their representative may make a request to the Authorised Officer to reduce or waive the charge for maintenance on financial hardship grounds. Financial Hardship needs to be demonstrated to the satisfaction of the Authorised Officer that the money remaining with the person having taken the charge into account is insufficient to meet their reasonalble needs. • Contact: Senior Executive Officer, Acute Hospitals and Services for the Elderly Programme, Dr. Steeven’s Hospital. (01) 6790700
  • 16. Disability Payments and Work • If on Disability Allowance, you can do rehabilitative work and keep your social welfare payment. • Can earn up to €120 per week without it effecting your payment • Maximum that can be earned is €422.50 (Disability Allowance) while still retaining minimum payment of €3.00 • Therapeutic work should not exceed 20 hours per week • Need to get permission from the Department of Social Protection. • A letter from your doctor and /or social worker helpful in this regard. • You can also participate on a FAS/Solas training course or a Community Employment scheme but you will not be able to keep your social welfare payment. • FAS/Solas Training Allowance at same rate as social welfare allowance as well as a training bonus • If you are getting Invalidity Pension or Illness Benefit, you can participate in a Fas training course and keep your social welfare payment. • If you wish to work you must transfer to the new Partial Capacity Scheme (with the exception of voluntary unpaid work). • Work which you do on the Partial Capacity Scheme does not have to be considered rehabilitative • Need to be on Illness Benefit for at least six months before you will be considered for approval
  • 17. Carers • Caring can take many forms • Caring is stressful • Stress can effect you physically and emotionally • Carers Association • National Careline 1800 240 724 • Carers Allowance, Carers Benefit, Respite Care Grant • Carers Leave – 104 weeks • Home Care Packages – no guidelines on how to qualify – a person needs 10 hours or more • Private Carers
  • 18. Financial difficulties • Money Advice & Budgeting Service (MABS) • MABS Helpline 1890 283 438 (9am-8pm Monday – Friday) or email helpline@mabs.ie • Offices throughout the country • Free Service • Confidential Service
  • 19. Financial Difficulties • Financial Assistance may be provided by a number of charitable organisations • It is not an entitlement or a grant! • Financial problems must be directly related to cancer • For those in dire circumstances or in crisis • Will only be applied for when all other avenues have been explored
  • 20. Travel • Source of great difficulty and stress for patients • Public transport, taxis, petrol costs, parking • CWOs reluctant to pay travel costs – discretionary and depends on the area • Some hospitals provide transport – not ideal • Volunteer Driver Scheme – Care to Drive • Travel2Care Scheme
  • 21. Travel2Care • Must be attending or have attended one of the designated cancer centres, Beaumont, St. Vincent’s, St. James’s, Mater, Limerick, Galway UH, Cork UH or Waterford RH • Scheme now covers all cancers • Patient must be travelling 30 km or more to the disignated centre • Scheme administered by Irish Cancer Society • Two separate forms • Form A – Investigations –to be filled in by patient and partner • Form B – Ongoing treatment – to be filled out by health care professional and signed by patient • Forms available from ICS, ( Siobhan Dixon (01) 2316619), ICS Website or from the Breast Care Clinics • Look for assistance in filling them in