Finances
Respondents were asked to state their monthly household income
(not just personal income) and to rate this against that how well they were
able to manage. (Note: 9 Respondents did not complete this section. Therefore,
the percentages are calculated on 205 not 224.) As can be seen from the table
below, 114 (56%) said they could only manage with some or great difficulty.
91 respondents (44%) said they could manage without difficulty, but it should
be noted that this category contained the highest earners, 61 (30%) of the
total sample, declaring a household income of over € 24,500 per annum. However,
worryingly, 63 (31%) of respondents appear to be living at or below the equivalent
of the statutory minimum wage level of € 6.35 per hour (experienced Adult
worker – August 2003).
Table 25 –Ability to Cope by Monthly Income Group
| Monthly household income
€ |
Total No’s |
With great difficulty % |
With some difficulty% |
Without difficulty% |
| Less than €508 |
19 |
32 |
53 |
16 |
| €509 - €1,016 |
44 |
18 |
61 |
21 |
| €1,017 - €1,524 |
44 |
11 |
46 |
43 |
| €1,525 - €2,031 |
30 |
7 |
50 |
43 |
| €2,032 - €2,539 |
18 |
0 |
50 |
50 |
| €2,540 - €3,047 |
19 |
0 |
26 |
74 |
| €3,048 - €3,555 |
5 |
0 |
60 |
40 |
| €3,556 - €4,063 |
6 |
0 |
50 |
50 |
| More than €4,063 |
13 |
0 |
0 |
100 |
| Not sure |
7 |
0 |
14 |
86 |
| Total – Nos. |
205 |
21 |
93 |
91 |
| Total - % |
100 |
10 |
46 |
44 |
Note: In order to calculate the
number at or below the statutory minimum wage level, the working week was
assumed to be 39 hours per week on 52 weeks a year, i.e. [((39 x € 6.35)
x 52) /12 =] € 1,073 per calendar month gross. It should further be noted
that the figures reported by respondents are net of all deductions, i.e.
Income Tax, PRSI, etc.
When the number of respondents in receipt of benefit is examined
it is hardly surprising that so many find difficulty in making ends meet,
for some 153 (68%) receive benefit and in some cases more than one type.
Amongst the respondents in employment 12 receive benefits.
Respondents, although voicing some concerns about being able
to cope in old age, demonstrated that they have provision in place, in the
main, although the 34 (15%) who replied they did not know what provisions
there were, give rise to concern.
Note: The ratio between the genders
is, once again, in general terms, a reflection of the 1/3 to 2/3 male/female
split of total respondents.
Table 26 – Retirement Provisions & Benefits
| Eligible Retirement Provisions & Benefits |
Total No’s |
Male No’s |
Female No’s |
| Old Age Contributory Pension |
90 |
35 |
55 |
| Private Pension |
61 |
24 |
37 |
| Old Age non-contributory Pension |
35 |
8 |
27 |
| Other State Payment |
14 |
3 |
11 |
| Invalidity Pension |
10 |
3 |
7 |
| Don't know |
34 |
11 |
23 |
Note: The total exceeds 224 as
some respondents will be or are in receipt of one or more type of retirement
provision or benefit.
Those with LEP, in the same way as many other disabilities,
have additional costs that are incurred due to their disability, in comparison
to the standard population. The fact that LEP is progressive means that those
costs are going to rise in the years to come. At the time of the survey,
the most frequently reported items of additional expense, as shown in Table
27 below, were communications and heat and light. These accounted for nearly
half regardless of income group.
Table 27 –Abstract of Additional Costs attributed to
LEP
| Additional Costs |
Total Nos. |
Total % |
| Personal Transport |
137 |
18 |
| Public Transport incl. Taxis |
55 |
7 |
| Telephone (excl. mobile) |
139 |
17 |
| Heat & Light |
162 |
20 |
| Clothing |
132 |
17 |
| Footwear |
142 |
18 |
| Not sure / Not stated |
19 |
3 |
As can be seen from Table 27, 25% of additional costs is accounted
for by transport. Under Revenue Commissioner Regulations (Vehicles for People
with Disabilities – Tax Relief Scheme, VRT 7, March 2002), persons with a
Primary Medical Certificate are entitled to certain concessions, i.e. 0%
VRT and full VAT rebate on new cars, rebate of duty on fuel for cars etc.,
subject to certain criteria being met. Therefore, respondents were asked
whether they had applied for or were in receipt of these concessions.
Note: A full range of additional
costs, broken down by income group, is detailed in Appendix A.
Out of all the respondents, 114 (51%) had applied for the concessions.
Of these, 13 (12%) applicants had been refused; 9 (4%) of these had appealed
and, at the time of the survey, 6 (3%) of those had been unsuccessful with
the other three being successful.
Table 28 –Applied for Tax Relief on Vehicle
| Applied for Tax Relief on Vehicle? |
Total No’s |
| Yes |
114 |
| No |
67 |
| No - I don't have a car |
18 |
| No – didn't/don't know about |
17 |
| Not stated |
8 |
Out of all the respondents, 114 (51%) had applied for the concessions.
Of these, 13 (12%) applicants had been refused; 9 (4%) of these had appealed
and, at the time of the survey, 6 (3%) of those had been unsuccessful with
the other three being successful.
Verbal evidence to the OT’s would suggest that, in common with
other national schemes administered locally, there are discrepancies in both
the application and implementation of the Primary Medical Certificate procedure.
One respondent reported that, when interviewed by the Public Health Doctor
for ver ification of application, it was initially refused on the grounds
that the applicant could not be paralysed in both legs as he was standing.
This was despite the fact that the respondent was wearing full-length callipers
on both legs and was supported by auxiliary crutches and lacked reflex action
in the lower limbs.
It is apparent that both the terms of reference and criteria
for eligibility to the Primary Medical Certificate should be reviewed and
implemented on a national basis.