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We're proud to support 7 Families, a charity led campaign designed to raise public awareness

7 Families

Questions and Answers

The answers provided have been supplied by the 7 Families working group.

How will the project be managed?

7 Families is a charity led campaign to raise public awareness of the financial impact of long term illness or disability. It is administered by Disability Rights UK and Income Protection Task Force (IPTF). Peter Le Beau is the Chairman of the IPTF, which was formed to promote awareness of Income Protection and long term disability amongst all parts of the life and health insurance industry and among consumers.

Disability Rights UK will administer donations to the beneficiaries on a monthly basis for a period of up to 12 months. Payments will be made via bank transfer from a bank account dedicated to 7 Families. All beneficiaries will be assigned a rehabilitation case manager and will have access to a range of services including financial advice, information on state benefits and emotional counselling. Over the period of the project our media partners HTF will document the experiences of our participants through a series of short films which will be made available on YouTube.

Which companies are supporting 7 Families?

Aegon, Ageas Protect, Aviva, British Friendly, Canada Life, Cardiff Pinnacle, Ellipse, Exeter Friendly, Fineos, Friends Life, Hannover Re UK Life, LV=, Pacific Life Re, PruProtect, RGA, Scor, Scottish Widows, Unum and Zurich.

Which other companies are involved in the project?

Disability Rights UK, IPTF, HTF Media, Relative, Carr Consulting & Communications, Le Beau Visage, LegaCare.

How were families chosen?

Families were carefully selected based on a number of factors including loss of work as a result of a health condition or disability, income, range of health conditions, type of illness, previous health, location and family situation.

What are the campaign objectives?

1. To raise public awareness of the financial impact of long term illness or disability.

2. To help real families who are facing financial meltdown.

3. To demonstrate the value of independent living support, and rehabilitation and counselling, through trying to help get people back to work.

What happens at the end of the year?

Many short term insurance policies bought by consumers in the UK only pay-out for one year and typically all benefits automatically cease at this point. However, while the scheduled payments will end, we do not want leave participating families high and dry. Access to basic financial advice will be provided throughout the campaign to help the families’ budget and plan for the future. In addition, a number of the supporting companies have expressed an interest in providing additional benefits at the end of the campaign. Any proceeds from the Just Giving page will be used at the charity’s discretion to benefit the families.

What is independent living support?

Independent living means having the support you need as an individual to lead the life you choose – going beyond accepting any support offered, to having the support to do the things you want to do (from family life and leisure to picking up on education or employment) in the new circumstances of acquiring a health condition or disability. Independent living is about choice and feeling in control of the support that works for you. The support that many people find useful includes peer support from others who have trodden the same path before, accurate advice so you get the social security benefits you are entitled to, advice on how to secure a personal health budget and/or personal social care budget, and ideas from others on the types of support you could use that budget for. Disability Rights UK campaigns for rights to independent living support, so people who acquire health conditions or impairments can get fast support and resources to secure the support that suits them as individuals.

What about state benefits?

There will be no impact on any state benefits received and all families will have access to advice on social security benefits to enable them to claim entitlements.

Are you campaigning to replace social security benefits with private insurance?

No. Disability Rights UK plans to use the learning from this project to campaign for social security and independent living support based on ‘what works’. We are aiming to test the difference it makes to families when they have resources and support, on their own terms, for independent living and to return to employment.

Are disabled people disadvantaged by the insurance sector?

Disability Rights UK is working with the insurance industry to put out useful information to individuals on the implications for insurance of having a pre-existing condition; and to advise individuals on how to shop around for an insurance provider that will consider providing cover for those living with a long-term health condition or disability.

Who will provide independent living, rehabilitation and counselling services?

Participants will be offered information and advice on independent living from Disability Rights UK. In addition www.redarc.co.uk and www.bestdoctors.com have volunteered their services for the campaign.

Who will provide rehabilitation and counselling services?

www.redarc.co.uk and www.bestdoctors.com have volunteered their services for the campaign.

What happens if somebody dies during the payment term?

We will gift the residue of the annual payment to their estate.

What if somebody returns to work during the payment term?

Their payments will be reduced accordingly in line with their new salary.

How were the payment amounts calculated?

Payments are calculated based upon the individual’s pre-illness earnings, also taking any state benefits into account to ensure they are not impacted.

Why are pre-disability earnings relevant?

It is important to match as closely as possible what people were earning before their health changed and to make sure the families aren’t better off than they would be working, which is in line with how Income Protection policies work.

Who is providing the financial advice and how much does it cost?

A number of qualified financial advisers have volunteered their services to provide basic financial guidance to the families.

How much did supporting companies contribute to the project?

£20,000 each, of which at least 50% of the total project fund will be used to benefit the families. The rest will be split between marketing, legal and administration costs, with all companies either working for free or at significantly reduced rates.

What happens if a claimant is revealed to be bogus or uses the money inappropriately?

It is important that each family decides how they wish to use the funds provided. Experience from direct payments in social and health care is that this fear has not been borne out. In the highly unlikely event of such problems, the charity retains the right to cease payments with immediate effect, however, this would only be considered in extreme circumstances.


FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK