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Jersey Consumer Council

Tag: health

Tips to Keep Your Eyes Healthy

June 11, 2018 Health Matters No Comments

Macular Week: 25th June – July 1st

  • Have your eyes checked at least every 2 years. Your optician could pick up early warning signs of eye conditions even if you haven’t noticed any change to your sight. Early detection could prevent serious damage to your vision.
  • Follow a healthy lifestyle for healthy eyes:

*Don’t smoke – there is a strong link between smoking and several sight problems.  The link between Age-Related Macular Degeneration (the most common eye condition in the Developed World) and smoking is as strong as that between smoking and lung cancer.

*Take some form of regular exercise as this can reduce your risk of AMD by 70%.

* A diet low in saturated fats and rich in leafy green vegetables could delay the progression of cataracts and AMD. Colourful fruits and vegetables, nuts, seeds and oily fish could prevent, or slow down the progress, of some eye conditions.

*Maintain a healthy weight. Being overweight increases your risk of diabetes, a condition which can lead to sight loss.

  • Protect your eyes from harmful ultra-violet rays by wearing sunglasses outside as this can help prevent cataracts and other eye problems.
  • Wear safety goggles to guard against injury when working with tools or participating in active sports.
  • When using a screen give your eyes a break every 20 minutes by focusing on something further away for around 20 seconds.

EYECAN: supporting islanders to have healthy eyes – enabling islanders whose sight is impaired.

Contact EYECAN: Tel: 864689 / or visit: www.eyecan.je


What type of Life Insurance Policy should I buy?

August 30, 2017 Insurances, Money Matters No Comments

Most people have two or three main protection needs that can be covered by Life Insurance (often known as Life Assurance):

 

  • Paying off large debts such as your mortgage in the event of your death.
  • Family protection, where you leave behind money for your family to live on after you’ve died.
  • Funeral expenses

Different types of insurance policies are good for different protection needs:

 

Term Assurance

The most basic type of life insurance is called term insurance, where you choose the amount you want to be insured for and the period for which you want cover. If you die within the chosen period, the policy pays out. If you don’t die during the term, the policy doesn’t pay out and the premiums you have paid are not returned to you.

 

There are three main types of term insurances to consider: level term, decreasing term and family income benefit. Sometimes a combination is the best answer.

 

  • Level Term Life Insurance

A level term policy pays out a lump sum if you die within the specified term. The amount you’re covered for remains level throughout the term – hence the name. The monthly or annual premiums you pay usually stay the same, as well.

 

Level term policies can be a good option for family protection, where you want to leave a lump sum that your family can invest to live on after you’ve gone. It can also be a good option if you need a specified amount of cover for a certain length of time, e.g. to cover an interest-only mortgage.

 

You might also consider including an automatic annual increase of the sum assured to counteract the effects of inflation or increasing expenses. There are even budget versions where the monthly cost is lower during the first few years.

 

 

  • Decreasing Term Life Insurance

With a decreasing term policy, the amount you’re covered for decreases over the term of the policy. These policies are often used to cover a debt that reduces over time, such as a repayment mortgage.

Premiums are usually significantly cheaper than for level-term cover as the amount insured reduces as time goes on.

 

  • Family Income Benefit Life Insurance

Family income benefit life insurance is a type of decreasing term policy. Instead of a lump sum, though, it pays out a regular income until the policy’s expiry date if you die.

 

The upside of family income benefit is that it is easier to work out how much you need. For example, if you take home £2,000 a month, you can arrange for the same amount to be paid out to your family if you die.

 

 

Whole-of-Life

As the name suggests, whole-of-life policies are ongoing policies that pay out when you die, whenever that is. Because it’s guaranteed that you’ll die at some point (and therefore that the policy will have to pay out), these policies are more expensive than term assurance policies, which only pay out if you die within a certain timeframe. These are often used when cover is required for funeral expenses.

 

The good news is that Life Cover in general is now more affordable, and most importantly can provide you with  peace of mind, knowing that your family will be financially protected in the event of your passing away.

 

 

For and on behalf of Cherry Godfrey Insurance Services (Jersey) Ltd  

Regulated by The Jersey Financial Services Commission in the carrying on of investment and general insurance mediation business

 


Sun Screen – Things YOU Need to Know

May 19, 2017 Health Matters, Home life, Travel and Transport No Comments

The Summer Holidays are fast approaching …

Water Resistant

The effectiveness of water – resistant product SPF 30 could drop to SPF 15 after a swim. Plus towel drying is also likely to rub off sunscreen.

 

SPF …

This is an indication of how long sunscreen protects against ultraviolet radiation that’s linked to skin cancer and is the main cause of sunburn (UVB)

 

The SPF number doesn’t relate to the amount of protection a product provides it relates to time from when YOU step into the sunshine, depending on your own skin type – if an SPF30 product is applied correctly it will protect you for 30 times longer than if you wore no sunscreen. The clock doesn’t get reset each time you reapply the time is set for the day and if you don’t apply enough it will not provide its full SPF.

Cancer Research UK says it’s all about ‘How well you put it on’ for example

Most people under-apply sunscreens, using ¼ to ½ the amount required. Using half the required amount of sunscreen only provides the square root of the SPF. So, a half application of an SPF 30 sunscreen only provides an effective SPF of 5.5!


Seeing your Doctor?

September 7, 2016 Health Matters, Home life No Comments

Seeing your Doctor?

Here are a few tips…to make the most of your time with your Doctor

Be Prepared…lists will always help and read them out at the start of your appointment. This helps the doctor to see the whole picture and to avoid leaving the embarrassing ailment until you are about to leave.

Try to pre-empt your doctor’s routine questions, prepare answers for: ‘how long has it been going on? Have you had it before and has anyone in the family had the same thing? And be specific and upfront about your history.

A symptom diary can help; these are helpful for tracking times when symptoms hit.

Your doctor may ask you to return to discuss one of your problems – it maybe that he or she feels that it deserves more time and a more detailed evaluation. A repeat visit will almost certainly incur a further charge.


Sep 2013 Edtn 61 JCC Newsletter

January 15, 2016 Newsletters No Comments

Protecting our children from second-hand smoke

The aim of the consultation put simply is to gauge the views of the public on a variety of approaches and options for extending smokefree places and spaces.

Whether you are for or against the idea of extending smokefree areas in jersey, a smoker or non-smoker, we want to hear your views. To find out more about the consultation, and to fill out our brief survey, you can visit:

Read more…


Dec 2013 Edtn 63 JCC Newsletter

January 15, 2016 Newsletters No Comments

The Citizens Advice Bureau Response to the States of Jersey Proposed Long-Term Care Scheme

Jersey faces a substantial increase in both the number and proportion of older residents over the next 30 years. Our ageing population means thatmore people will need long-term care and the cost for this care is set to double by 2044.

The States’ proposed Long-Term Care Scheme will provide financial support to Jersey residents who are likely to need long-term care for the rest of their life, either in their own home or in a care home. The Scheme aims to remove much of the financial worry that people have about the cost of long-term care. The new arrangements intend to put an end to the uncertainty and concern that homeowners and their families experience when facing unknown and potentially significant costs.

Read more…


Wills Matter

November 16, 2015 Home life No Comments

Wills Matter

We were delighted to host a great lunchtime seminar all about Wills. The talk had even the hardiest of listener contemplating how soon they would get cracking with making their will. It became quickly evident in our discussions that there would be many complications, family disputes and emotional roller-coaster rides following your passing for your family should you not have taken time to make a Will.
The talk went into details about a variety of areas including:

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Are you eligible for the Pension Plus Scheme?

November 10, 2015 Health Matters, Insurances No Comments

Are you eligible for the Pension Plus Scheme?

If you are 65 or over, you may be eligible for the Pension Plus scheme which helps with the costs of looking after teeth, feet and eyes. It is funded and administered by the Social Security Department and replaces the 65+ Health Plan. You can join the scheme if you are 65 or over; if you do not pay Income Tax because your income is below the relevant tax limits; if you are resident and have lived in Jersey at some point for a period of five years; and if you have assets below a set limit. Your home is not included in any consideration of assets, and there is no membership fee.

Members of the scheme have their appointments paid for directly, up to set the limits, at the time of the dentist, optician or chiropodist visit. They do not have to claim any money back. Included in the benefit are allowances for dental treatment and towards the cost of glasses or lenses.

For more information and to apply, contact:

tel:445505
email: PensionPlus@gov.je
link: www.gov.je/PensionPlusScheme


Pensions – Questions to ask your Adviser

November 4, 2015 Home life No Comments

Pensions Update and Top Tips

In the recent UK Budget, George Osborne proposed a significant shake-up of UK pension arrangements, which if introduced, will allow individuals to extract all their pension savings in a lump sum at the point of retirement, subject to their marginal rate of income tax in that year.

Those who require the security of a guaranteed income will still be able to achieve this by purchasing an annuity. If an individual does not want to purchase an annuity, or cash-in their entire pension fund, they can remain invested and access their pension fund over time.

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Primary Health Care – Survey Report 2013

November 4, 2015 Consumer Council Reports, Reports & Publications No Comments
Primary Care

Primary Health Care Report

6 ‘Target’ themes emerged from the survey

1. Transparency

Consumers lack clarity over costs incurred at general practitioners (GPs), dentists and other
providers.

2. Accessibility

Consumers report avoiding care from GPs and dentists due to costs and identify using A&E as
an alternative. Ability to pay for primary healthcare does not reflect willingness to pay; selfreported
attendances to A&E for ‘non-urgent’ problems were as common in high income as
low income groups.

Read More