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Capacity to make financial decisions among people with mild intellectual disabilities
Author(s) -
Suto W. M. I.,
Clare I. C. H.,
Holland A. J.,
Watson P. C.
Publication year - 2005
Publication title -
journal of intellectual disability research
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.941
H-Index - 104
eISSN - 1365-2788
pISSN - 0964-2633
DOI - 10.1111/j.1365-2788.2005.00635.x
Subject(s) - legislation , intellectual disability , psychology , population , finance , actuarial science , psychiatry , medicine , business , political science , law , environmental health
Background Although there has been growing recognition of the importance of enabling people with intellectual disabilities (ID) to be more directly involved in managing their own financial affairs, so far, little is known about this aspect of their decision‐ making. Method Using vignettes and semi‐structured interviews, the financial decision‐making abilities of men and women with mild ID ( n = 30; mean FSIQ = 61.80; SD = 10.59) were compared with those of their counterparts in the ‘general population’ ( n = 16; mean FSIQ = 101.56; SD = 7.62) and ‘very able’ individuals ( n = 14; mean FSIQ = 123.93; SD = 7.60). Results Whilst the financial decision‐making abilities of participants with ID were generally weaker than those of other participants, the differences were not discrete, and many individuals were judged to be able to make at least some personal financial decisions. For all three groups, understanding information relevant to the decision, and reasoning with it, were the hardest parts of the process. Conclusions The findings support a functional approach to the assessment of financial decision‐making for both legal and clinical purposes, but raise concerns about mental incapacity legislation and assessment.