In 1932, Lady Cubitt, the wife of the then Governor of Bermuda, became aware of many elderly people who were destitute. It was most distressing to find people who had worked hard all their lives, were unable to maintain themselves in their old age. She gathered together a group of women, and formed the Lady Cubitt Compassionate Fund. Its chief aim was to help those who had encountered the hardships of life, especially those whose family pride might restrain them from appealing to a public charity such as the Parish Vestry. In 1945, when this organization was incorporated, it became the Lady Cubitt Compassionate Association, and among its objectives was the care and protection of children, assistance to persons in need and to elderly people. Another facet of its work was the financial assistance given for medical and/or surgical treatment unobtainable on the Island, and for organizing the transportation of those patients to medical centers abroad.
The Association is managed by The Committee of Management:
The Committee of Management
The Committee is responsible for formulating policy. It is comprised of sixteen individuals (12 elected and 4 Patrons). They are elected by the members at the Annual General Meeting. Each individual comprising the Committee of Management holds office until such individual’s successor is elected or qualified or until such individual’s earlier death, resignation or removal.
General Assistance Program provides for those in need in the following areas:
Practical Advice, Food Vouchers, Utility Assistance, Prescription drugs (special circumstances), Financial Assistance for special cases referred by other agencies, Tutoring for children with special needs (special circumstances)
The financial needs are funded by:
LCCA Investments, Dues paid to the LCCA in lieu of union dues, Funds paid to the LCCA in lieu of flowers for funerals, Bequests, an Annual Tag Day, an Annual Appeal to the business community.
Overseas Medical Program (Special Government Account).
The second area of our work involves facilitating the transfer of patients for overseas medical and/or surgical treatment not available in Bermuda. This program is managed on behalf of the Bermuda Government.
Provided the Medical Committee approves the application, letters of financial guarantee are provided to the overseas hospital and doctor via our Managed Care Provider, GMMI.
Due to the tremendous increase in the cost of hospitalization and the increasing number of patients sent away, we do not assist with air fares or accommodation, however we do assist in obtaining help from other agencies to fund the above, if necessary.
The funding for hospitalization, surgical and medical treatments overseas is met by:
• A Government Grant
• A patient repayment scheme which is interest free and is geared to the ability of the patient to repay. Some patients have little or no insurance and limited ability to repay, however a repayment plan is established.
• Insurance claims made on behalf of the patient.
Managing the funding of this program can be extremely challenging.
The day- to-day administration work of the L.C.C.A. is the responsibility of the Executive Director who, in turn, is responsible to the Committee of Management. At present, there is a staff of three (inclusive of the Executive Director).