Social care reforms – open thread

Jeremy Hunt is due to confirm the pre-announced details of Social Care reform later today.

The BBC summarises what’s known about the proposals here:

The government is due to announce its “fully-funded solution” to the problem of elderly people in England who cannot afford social care.

It is expected to include a £75,000 cap on the costs people pay for care and a rise in the threshold for means-tested support from £23,250 to £123,000.

Health secretary Jeremy Hunt said the “scandal” of many people selling homes to pay care bills must be tackled.

Do these proposals go far enough?

Does anyone understand them?

Will significant numbers of people still have to sell their homes?

Over to you!

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4 Comments

  • From what I have seen these are a half measure to benefit the better off in society (including me if I get to the end of my life without a substantial change in circumstances).

    I think a simple, and dare I say progressive, system would be to give a protected amount after which a percentage can be taken to fund care as required. Where assets are fixed, for example in a property the amount can be recouped, prior to inheritance tax being calculated, from the estate after death.

    This way everyone gets to pass on a percentage of their accumulated wealth after their death. The current proposals will not be a burden on the wealthy, but will take a disproportionate amount from the less well off.

  • I support the Osborne -dubbed “death tax”. I believe that there is a myth surrounding the “worked hard all my life to have something to leave to childdren (cats,dogs etc.?)
    I am over 70. I belong to a generation who had it better than any before or since; low deposit mortgages affordable house purchase before the crazy escalation. That crazy inflation of house prices bestowed an undeserved capital asset- rent free don’t forget. I had free higher education , a job all my life and a final salary pension. We have supported our kids who are settled. So I have been really lucky and won’t care about £20K(?) out of my estate when I have popped my clogs!!

  • Brian D – it’s good to hear someone of your generation acknowledge their good fortune. I’ve just handed over (or rather the mortgage company has) a big sum of money to someone recently retired for a large enough house for my family. He was able to buy a house in France and afford two sets of school fees on a single salary. Now, just buying the house can be barely afforded on two salaries.

  • Well said, Brian D. I am a little younger but never regarded my house purchases as ‘ investments’ but as somewhere to live. We are obsessed with passing on unearned capital to our children instead of using it to pay our own care costs. I have had all the advantages Brian describes and supported my two children through higher education as well. When/if the time comes, I’ll pay my own way.

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