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Housing & accommodation
Reverse mortgage	What is a reverse mortgage? Who is eligible for a reverse mortgage loan? Key features of the reverse mortgage under the Reverse Mortgage Programme What costs is the borrower responsible for? How much does the borrower receive every month? Lump-sum loan Assignment of life insurance policy When does the reverse mortgage terminate? What happens to the property at the end of the reverse mortgage? Application procedures
Public housing issues	Application for public rental housing Priority for the elderly Harmonious Families Priority Scheme (“HFPS”) Priority Scheme for Single Elderly Persons Elderly Persons Priority Scheme Special arrangements for elderly tenants Rent Assistance Scheme Housing subsidy policy Survey on household income Transfer of flats Tenants’ responsibilities Marking Scheme for Estate Management Enforcement Housing abuses General enquiries
Maintenance and safety of property	The Owners’ Corporation as an entity of collective responsibility Third party insurance Mandatory Building Inspection Scheme Mandatory Window Inspection Scheme Government subsidy, loan and/or grant Common Area Repair Works Subsidy Common Area Repair Works Interest-free Loan Common Area Repair Works Hardship Grant Third Party Risks Insurance Subsidy Home Renovation Interest-free Loan Home Renovation Hardship Grant Subsidy in relation to the MBIS and MWIS Building Maintenance Grant Scheme for Elderly Owners Building Safety Loan Scheme Owners’ Corporation Formation Subsidy
Redevelopment and acquisition of property	Introduction The Urban Renewal Authority The URA-initiated redevelopment projects Demand-led Redevelopment Project (Pilot Scheme) Facilitating Services (Pilot Scheme) Land resumption Mediation for compulsory sale cases Intimidation tactics faced by property owners Assistance

Smart Elderly
Criminal offences commonly committed by elderly people	Bringing items into Hong Kong Unlawful gambling Social security fraud Pyramid schemes Hawkers
Common con tricks	Introduction Fake medicine Electronic parts Spiritual blessing Lottery scam Telephone deception Timeshare schemes Pyramid schemes Counterfeit banknotes Bullet point insurance fraud Loco London gold fraud Boiler Room Fraud
Protection of investors and structured products	Background Actions may be taken New measures added to various Ordinances to enhance protection for investors
Arresting procedure, my rights and obligations	Stopping and questioning by the police in a public place The right to silence Stopping and searching by the police in a public place Consequences on refusing to cooperate with the police Arresting a person Rights after arrest Detention of arrested persons Taking statements Bail of arrested persons Lodging complaints against the police

Work & retirement
Employment: Contract and wages	A brief explanation of a contract of employment “Contract of employment” vs “contract for service by independent contractor (or self-employed person)” Payment of wages End of year payments Statutory Minimum Wage Deduction of wages Wages overdue
Employment: Termination of contract and dismissal	Termination of employment and the relevant payments Severance payment and long service payment Immediate termination of employment Unreasonable dismissal
Employment: Holiday/leave	Rest day Statutory holidays Annual leave Sick leave and sickness allowance
Employment: Work-related injuries	Work-related injuries and the relevant compensations Compensable occupational disease Work-related accidents causing death Work-related accidents causing disability Reporting work-related accidents to the Labour Department Compensation insurance policies
Age discrimination in employment	What is age discrimination in employment? Recruitment Promotion, transfer and training Dismissal, redundancy and unfair treatment Retirement Grievances and related procedures
The Mandatory Provident Fund	Introduction MPF Contributions Self-employed individuals and casual labours Changing jobs and the Employee Choice Arrangement (ECA) Retirement and withdrawal of accrued benefits from your MPF Member protection and liabilities MPF and Occupational Retirement Schemes (ORS)
Social welfare for the elderly	Old Age Allowance (fruit money) Old Age Living Allowance Comprehensive Social Security Assistance Scheme Portable Comprehensive Social Security Assistance Scheme Guangdong Scheme/Fujian Scheme Senior Citizen Card Scheme Offences relating to cheating on public assistance

Farewell to life
Probate	How your assets are going to be distributed? Who is responsible for distributing and administering your estate? How to make a will? What concerns you should have when making your will? Case illustration
After-death arrangements	Registering a death Cremation Columbaria Burial Garden of Remembrance Sea scattering Export of remains out of Hong Kong Organ donation Useful information
Life insurance	What is a life insurance? Relevant statutory provisions Different types of life insurance Utmost Good Faith Non-disclosure Medical evidence requirements Common exclusions in life insurance policies Important matters to consider before taking out a life insurance policy Cooling Off Period Suicide and incontestability Practical tips for handling a life insurance claim denial by an insurance company The Insurance Claims Complaints Bureau Questions and answers

Health & care
Entitlement and access to public health care services	Access to public health care services Permanent residents vs non-permanent residents Waiver of public health care expenses Elderly Health Care Voucher
Medical treatment: consent and withdrawal	Consent Informed consent Capacity to consent Withdrawal Advance Directives Treatment performed without consent
Advance Directives	What is an “Advance Directive”? Shall I make an advance directive? How to make an advance directive? Making an advance directive Alteration or revocation of an advance directive When will an advance directive be carried out? Q&A
Taking care of a mentally incapacitated person: Guardianship or Committee	The mentally incapacitated person Guardianship vs Committee Guardianship – When to appoint a Guardian? Guardianship – Who can be the Guardian? Guardianship – The application The Guardianship Order Emergency Guardianship Order Committee for a mentally incapacitated person Committee – The application The Order appointing a Committee Court’s powers in cases of emergency
Enduring Power of Attorney	What is an Enduring Power of Attorney? Key advantages of an EPA The attorney Duties and liabilities of the attorney(s) The attorney(s)' authorities and restrictions How to make an EPA - using the prescribed form How to make an EPA - signed by the donor How to make an EPA - certificate by a registered medical practitioner and a solicitor How to make an EPA - arrangements for donor who is physically incapable How to make an EPA - signed by the attorney(s) Commencement of the EPA Registration of the EPA Notification of named persons Revocation Hypothetical cases Questions and answers Guide to prescribed forms of the Enduring Power of Attorney and downloading the forms
Elder abuse	Overview Forms of elder abuse Legislation Assistance to elders who are mentally incapacitated persons (MIP) Seeking assistance
Medical negligence	What is medical negligence? Common examples of complaints about medical practitioners Under what circumstances can I make a claim for medical negligence? How to make a claim for medical negligence? How much could my claim be worth? Can I apply for Legal Aid for my medical negligence claim?
Medical insurance	What is a medical insurance? Different types of medical insurance Common exclusions in medical insurance policies Utmost good faith Non-disclosure Medical evidence requirements Important matters to consider before taking out your medical insurance policy Practical tips for disputing a medical claim denial by an insurance company The Insurance Claims Complaints Bureau Questions and answers
Care by residential care homes for elderly persons	Overview of residential care homes for elderly persons in Hong Kong Licensing system for residential care homes in Hong Kong The Residential Care Homes (Elderly Persons) Ordinance and its subsidiary legislation The Code of Practice for Residential Care Homes (Elderly Persons) Monitoring of residential care homes The Complaint Mechanism The Residential Care Homes (Persons with Disabilities) Ordinance How to select a suitable residential care home and how to adjust to group living in residential care homes? Elder abuse Common examples of accidents which may cause personal injury to elderly persons in residential care homes