LUCK! yes some of us have been lucky but some have not. One of the great unfairnesses is that if you need long term care, because of a wide range of illnesses, then the costs of a Nursing Home will be met by the NHS. If. however, you are suffering from any form of Dementia and there is no longer anyone able to care for you 24/7 at home then you will be required to pay in the region of £1000 per week to move into a Care Home. (except in Scotland where 20% of the cost will be met by the SG under Free Personal Care provisions) You will have to use all your savings, your state, private and works pension (if you have one) towards the costs until your assets are down to around £14,000. Unless you have a spouse or dependant living in your own home then your house will have to be sold to meet your care costs.
it might encourage a healthier lifestyle ???? My experience has been that most of my contemporaries who have died have been physically fit until they have been struck down by a random, or genetic illness. or simply old age. Meanwhile those who are overweight, drink to excess and smoke seem to last much longer.