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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

durhamjen Sat 27-May-17 09:00:41

Aren't the tories redesigning their manifesto over the weekend?
Even roses says it's no good!

whitewave Sat 27-May-17 09:07:31

Apparently it was drawn up without any consultation!!! So no one had bought into it.

It says everything about May's dreadful leadership and the weakness of the Tory members.

There is nothing eye catching about it except perhaps the social care and that has gone totally pear shaped.

durhamjen Sat 27-May-17 09:21:20

www.bbc.co.uk/news/health-40058482

This will be a direct result of tory cuts to NHS, care and education budgets.
Anyone living in South West London, I would object if I were you.
There must be a way to object through autismuk.

GracesGranMK2 Sat 27-May-17 13:28:35

First para of an article in this week Economist (hardly left wing) entitled "The four-day manifesto".

"Nothing has changed. Nothing has changed!" insisted Theresa May. But it had. Four days after the launch of the Conservatives' manifesto, on May 18th, the prime minister reversed its signature policy, a proposed reform of the funding system for social care for the elderly which has become known as the "dementia tax".

The article goes on to explain more about the tax and ends:

The social-care proposal is not the only part of the manifesto which looks a bit half-baked. There is no detail on the extent of the proposed cuts to winter-fuel allowance, which are supposed to fund social care. The manifesto is silent on plans for income tax (most people suspect that increases are on the way). And there is no acknowledgment that the pledge to cut net migration by nearly two-thirds would have big fiscal costs. It is a blank cheque from a party in little doubt that the public will sign it.

If that is what your more right-wing friends are saying about May and the Tories, no wonder other people are loosing faith in self-appointed as 'strong and stable' May.

Ilovecheese Sat 27-May-17 14:07:36

So the way I've seen this debate about paying for social care for people with dementia is:

Some people think it is right for people who have dementia to pay for there own care, rather that increase NI or taxes for everybody else.

Other people would be o.k. with paying something towards the care of people who have dementia, in NI or tax, even if they never get it themselves.

Is that about right?

whitewave Sat 27-May-17 14:17:27

Yes cheese that about sums it up.

What I would add is that the policy as it stands (and that is questionable) is extremely short term as it doesn't address the next generation who are almost certainly less likely to own their own house. How is the state going to deal with their care? That is why for me NI is the way to go.

Jalima1108 Sat 27-May-17 20:54:20

Well, you could say it sums it up except that many people may need care who do not have dementia but do not need hospital treatment.

rosesarered Sat 27-May-17 23:18:00

Very true.

NfkDumpling Sun 28-May-17 07:30:47

Do you think any politicians looks at this thread?

durhamjen Sun 28-May-17 08:23:01

I would hope they were too busy.

GracesGranMK2 Sun 28-May-17 09:27:41

Do you think any politicians looks at this thread?

I suppose it is possible that information might filter up NfkD. I had a lovely email in reply to a question I asked the LP and I had mentioned GN in my email to them. Enough mentions and they might decide to look I suppose. Mumsnet gets more publicity than we do though.

Jalima1108 Sun 28-May-17 10:17:59

I do wonder sometimes if a junior researcher is allocated the job of scanning the GN political threads and sighing as he/she does so - "why is it always me that gets the Grannies?"

durhamjen Sun 28-May-17 10:19:34

I don't think we are that important, Jalima.

Jalima1108 Sun 28-May-17 10:19:46

I am still awaiting a reply from Ed Miliband from when he was Secretary of State for Energy; I emailed him three times.

I suppose it's time to give up now.

Jalima1108 Sun 28-May-17 10:20:43

But we are durhamjen!!

Especially since we are the ones more likely to vote

durhamjen Sun 28-May-17 10:27:46

I wrote letters to Alan Johnson whe he was secretary of state for health and my parents' MP over 20 years ago. Still waiting for a reply.

durhamjen Sun 28-May-17 10:29:21

Sorry, ten years ago. Haven't waited as long as I thought!

Jalima1108 Sun 28-May-17 10:42:13

That beats Miliband (somewhere between 2008 and 2010 apparently).

Do you think they've forgotten?

durhamjen Sun 28-May-17 12:30:32

Johnson's given up being an MP now anyway. He's probably binned all the letters he hasn't answered.
I've moved on as well, literally as well as figuratively.
That's a thought. The response could be at one of three addresses since then!

GracesGranMK2 Sun 28-May-17 12:50:09

I do wonder sometimes if a junior researcher is allocated the job of scanning the GN political threads and sighing as he/she does so - "why is it always me that gets the Grannies?"

Jalima grin

NfkDumpling Sun 28-May-17 13:48:37

Even a junior researcher would be good. Hopefully they'd learn so much they'd soon be a senior researcher!

daphnedill Wed 31-May-17 10:55:43

Talking about dropping the cap on social care, Jeremy Hunt said on BBC Radio 4 Today:

"Those costs get borne, and I'm quoting what I said, by taxpayer's families. Younger families,who are possibly themselves struggling to make ends meet. And what Theresa May is saying, is that it is not sustainable to fund a growing older population from the tax receipts from a shrinking younger population. It is not sustainable.It is not fair. That's why her solution is to say we're going to have to take some difficult decisions over things like the winter fuel allowance so we can get more money and make sure that every older person is treated with dignity and respect."

www.bbc.co.uk/news/live/election-2017-40091449

@ 9.44

JessM Thu 01-Jun-17 18:33:02

Ministers rarely answer directly. The protocol is to write to your MP and ask them to raise the issue with the minister. This is because MPs only deal directly with their own constituents. Otherwise people would shop around.
Mine gets about 500 letters a week. Many of them about bees.

GracesGranMK2 Thu 01-Jun-17 19:44:10

How fascinatingly short sighted he is whitewave. Does he not realise we all get older?

Jane10 Thu 01-Jun-17 20:02:59

So how should care of the elderly be funded? A simple question.