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Paying for social care - good news or bad news?

(602 Posts)
Rigby46 Thu 18-May-17 07:40:44

I think this is an important enough issue to have its own thread. Whilst waiting for more details ( where the devil may be) this looks like the end of any hopes for a collective 'insurance' based approach to funding social care.

It looks like the main group of losers are those who stay in their own homes ( but who have savings (not including the value of their home) of under £23000 (approx) as the value of the home will now be taken into account in assessing what they pay towards their social care costs.

So, present situation

1. Own own home, savings of less than £23000, domicillary social care free
2. Own own home, savings of more than £23000, pay own care until savings get down to £23000

Proposal

Value of home will be added to any savings and if less than £100,000, domicilary care will be free, if over £100,000, will pay for care until under £100000.

Any payment due can be deferred until after death.

If you have to go into residential care, then you are a 'winner' as you can get help once your total savings ( including value of house) fall below £100000 instead of current £25000.

I think this is correct? What I don't know yet is what the situation is if you have a partner living in the house with you? At the moment if you go into care, the value of your house is not taken into account if your partner carries on living there.

So it seems so far, that it will impact positively on the better off - apart from the loss of WFA

GracesGranMK2 Mon 22-May-17 20:12:46

When most people died within a couple of years of retirement, if they actually reached it, I think even those running it thought the NHS was for care from the cradle to the grave. They have been hiving more and more off since we annoyingly started to lived longer.

I think, if you had a combined Health and Social Care insurance it wouldn't matter Jen. That's why I am so keen on it. The same happens with mental health. Whatever they say it is not treated the same as physical health. It's because it is not so measurable and the Conservatives in particular and some New Labour want to turn us all into measurable widgets.

Jalima1108 Mon 22-May-17 20:22:33

I don't understand this 'dementia tax' (have been out of any loops for a few days). What if you need care for reasons other than for dementia? What if it's just because you are physically incapable of dressing, cooking etc but still as sharp as a tack?

Don't understand it .....

GracesGranMK2 Mon 22-May-17 20:46:08

I think it is just because dementia is such a large problem Jalima. It is thought that one in three of the over 65s could suffer from it in the future. In our comparatively small family, 1 grand parent, 2 parents, 2 middle-aged children and 2 grandchildren we have two cases of dementia.

Other people certainly do need care but the original coining in the press of the 'Dementia Care Tax' was probably because it gives a focus.

Jalima1108 Mon 22-May-17 20:53:54

So it's an assumption then, that care is needed mainly by people with dementia whereas many people may need care because of physical disabilities which is what happened to my MIL and also DM (although the family cared for DM).

Have ignored papers, news etc for a few days.

GracesGranMK2 Mon 22-May-17 21:08:23

I don't know Jalima. I imagine someone has done some research somewhere - the Dilnot Commission perhaps.

The actual coining of the name Dementia Care Tax will be more to do with the media - including social, I would have thought.

Jalima1108 Mon 22-May-17 21:16:14

I will have to do some homework.

durhamjen Mon 22-May-17 21:16:22

George Osborne doesn't like Maybot, does he?

news.sky.com/story/theresa-may-writhes-in-the-spotlight-of-sharp-questions-over-u-turn-10888901

GracesGranMK2 Mon 22-May-17 21:18:38

This is from the Dilnot Report.

Care and support is something that everyone in this country will experience and be part of at some point in their lives. Some people have impairments from birth, or develop an impairment or mental health condition during their working life, and use care and support to maintain active and independent lives. Many, as they become older, become more frail and rely on care and support from others. As the Prime Minister’s Challenge on Dementia has already shown, we are committed to improving the lives of people with care needs.

I am not sure if that helps but I think you would have to look at the academic literature to really find the details.

GracesGranMK2 Mon 22-May-17 21:24:51

Oh my. That is definitely a knife waiting for a back Jen.

Jaycee5 Mon 22-May-17 21:31:33

Jalima It was just called that because there are conditions like cancer for which people won't have to pay for care because it will be consider health care rather than social care and other conditions like dementia which are considered social rather than health care and so people will have to pay for care.
It is not an official name and it was just coined to emphasise how unfair it is.
Since announcing it the Tories have announced through Hunt that it is definitely not going ahead and through May that it definitely is but will not be costed until after the election.

MargaretX Mon 22-May-17 21:35:21

Once again - In Germany every wage earner and pension receiver pays 1.5% into the Pflegeversicherung. Care insurance. It is compulsary.
People in care homes or sheltered housing are divided into 5 categories.
!. not able to live alone 2. Dement, 3. needing 3+ hours personal care per day and 4 and 5 bedridden.

The money is paid out monthly and if you have a pension to add to it it would more or less cover the costs.
You can pay extra insurance to cover high costs and of course a house to sell will always be an advantage.
We are lucky in that this system was started about 25 years ago and money has accumulated when there were not so many needing help as now or in the future.
A penny in the pound on NI would almost amount to the same.

Jalima1108 Mon 22-May-17 21:37:35

But - if someone needs care because of physical weaknesses caused by illnesses other than dementia they would still have to pay.
Just general old age and infirmity would be a reason - 'the spirit is willing but the flesh is weak' as was the case with my MIL.

Ginny42 Mon 22-May-17 21:48:17

It does raise the issue of fairness. If someone is unfortunate enough to need either kind of care, they deserve to receive care. Some medical treatments can be very expensive, so how does that balance with the cost of caring for someone who needs support with day-to-day functioning and wellbeing?

Norah Mon 22-May-17 21:48:53

Why is dementia "social care" and cancer or what have you "medical care"? Rubbish.

durhamjen Mon 22-May-17 21:59:34

You can get NHS continuing care for dementia, but only in rare cases, such as if you are considered to be a danger to yourself and others.

GracesGranMK2 Mon 22-May-17 21:59:36

That's right Jalima. It is not really call the Dementia Tax it is just a name for the press to hang it on.

MargaretX why am I not surprised that Germany actually recognised the problem well ahead of time while our governments didn't. Is that 1.5% of total income? I think we could all manage 1.5% knowing what it was for but we would have to do something to make up for the empty pot we currently have so this older generation, having not paid in while they were working, might have to pay something before they got help.

durhamjen Mon 22-May-17 22:07:03

"One senior Conservative, former deputy Speaker Nigel Evans, said she had not gone far enough and should unveil the exact level of the cap before polling day. Some Tories were suggesting £150,000, £200,000 and £300,000 as possible levels."

Maybot's not telling anyone, then.

GracesGranMK2 Mon 22-May-17 22:07:10

called not call

whitewave Mon 22-May-17 22:19:08

Those sort of amounts are ridiculous
There really ought to be a strong call for a form of NI.

durhamjen Mon 22-May-17 22:23:45

Tory MPs suggetsing those levels. Not surprising, really. So out of touch with normal people.
I wonder which will supersede, when they realise that IHT and the dementia tax don't work together.

whitewave Mon 22-May-17 22:36:49

I am now totally unclear as to what they intend. At least yesterday i knew where we stood.

Norah Mon 22-May-17 22:37:25

Fair enough, durhamjen, but just a way to define different medical cares. Anyway, social care, at home or in a care home, isn't free. With the new scheme, the limits of what one can keep change from £23000 to £100k. So, is not that better to currently?

whitewave Mon 22-May-17 22:46:03

Nick Timothy will be the fall guy.

Rigby46 Mon 22-May-17 22:59:08

No one knows what they intend least of all TM and that bunch of we'll never have to worry about funding any sort of care for ourselves or getting down to our last £100k and anyway all the money for our children is tied up in family trusts so there idiots aka the Cabinet

durhamjen Mon 22-May-17 23:05:49

CCHQ have just made up an outright lie about the Labour party and tweeted it.

twitter.com/CCHQPress