Social care and the triple lock

I have read the various posts about Andy Burnham’s proposals for social care and the proposed implication for the pensions triple-lock. After some decades of involvement on both issues, I thought my perspective and experience might have some relevance.

I was closely involved in the review of pensions including the Turner Review of 2006 and the resultant settlement, leading on to the triple lock in the coalition Government. I was also much engaged in the debate about social care from the campaign which led to the Sutherland Commission, then working with proponents of both majority and minority views on the Commission.  I worked with Labour Ministers throughout the 2000s in trying to devise and get agreement (crucially from Treasury and No 10) on a reform package for social care and then helped Paul Burstow as Social Care Minister to set up the Dilnot Commission. On social care, it has been a record of failure which reflects the difficulty of achieving  a satisfactory outcome.

The two key problems were and remain (1) financial and (2) political. The issue is NOT the detailed structure and operation of the care system; around the world, there is a good deal of experience of the options.  The challenge is political consent which depends on money and particularly the long-term costs of a commitment to meet needs. Governments around the world are trying and usually failing to establish a system which is both effective and involves a generally acceptable level of tax. However, the numbers involved are improving as a result of the entirely unexpected decline worldwide in the incidence of dementias associated with old age.

Apart from a brief period during Gordon Brown’s premiership, this is the first time in 30 years when there has been a strong and explicit commitment by a Prime Minister to ensure a care system that delivers.

With both pensions and social care (and a few other policy areas such as defence), a key underlying principle is settlement, which I promoted in both areas with some success. That is, a broad political agreement across political parties and civil society about a medium to long-term plan which enables people to plan for their future with confidence, such as those which followed from the 1910 budget and the Beveridge reforms. The idea of “social contract” underpins the approach.

Such a settlement involves trade-offs and widespread debate, preferably accompanied by enough goodwill and commitment to reach a shared outcome. Regrettably, experience suggests that the nearer a General Election, the harder that is to achieve. Even if a pre-election agreement is impossible to achieve, there should be enough basis for accepting and building on what is put in place to give reasonable assurance that it will continue. Given the difficulty of devising and implementing the reforms, it can reasonably be hoped that will happen.

That is why it is important that the Liberal Democrats commit to the process, to considering the political and economic trade-offs that are required, and supporting what emerges, even if it also commits to building from that base in future.

It is important to keep remembering the sheer extent of human misery that follows from the continuing failure to agree and implement a fair, wide-ranging settlement to support people at the time of their greatest need.

 

* Gordon Lishman CBE was Operations Director and Chief Executive of Age Concern and International Vice-President of the International Federation on Ageing. He has been a Liberal and Liberal Democrat activist at parish, local, regional, national and international levels for 63 years.

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5 Comments

  • Willian Wallace 19th Oct '26 - 11:04am

    Thanks, Gordon: I agree that it’s important on this that Liberal Democrats are constructive and help to settle on a cross-party scheme that will last, not oppose whatever the government puts forward as the Tories are doing. I would also support reducing NIC and raising income tax, as has been proposed; which would shift taxes onto the better-off retired who depend on the NHS and social care, as against the young and working. Now I’ve reached that age bracket I’m acutely aware that Helen and I depend on the health service and occasionally on social care support, whereas between the ages of 20 and 70 we hardly bothered such services, but since then…and those of us on decent pensions can afford to contribute more.

  • I fear that Andy Burham’s commitment to Social Care will, like his commitment to electoral reform, will be undermined by his own members, just as David Blunkett is leading opposition to electoral reform as reported in today’s papers.
    We will have to be vigilant and determined to make the case for social care.

  • Jason Connor 19th Oct '26 - 12:22pm

    The case for social care yes but not at the expense of diminishing pensions considering the UK state pension is lower than that of most other European countries.

  • Graham Evans 20th Oct '26 - 8:43am

    UK state pensions may be lower than most other European state pensions, but that is because most other European countries rely heavily on state provision with little by way of private top-ups. The average replacement income of retirees in the UK is not much different to those of other European countries. Indeed countries relying heavily on state provision are struggling to cut costs.

    The triple lock has achieved its original objective, and it is therefore time to consider how the real value of the state pension is maintained, not continue ratcheting it up. It is disappointing that the Lib Dem hierarchy has opted for cheap populism in its defence of the lock. If we truly want to reform social care we can’t have our cake and eat it.

  • Gordon Lishman 20th Oct '26 - 9:23am

    William is probably right about NICs but that would be a final nail in the coffin of the Beveridge principle of shared insurance for shared risk.
    Mick: the problem so far has not been back/benchers in any Party. It has been Treasury resistance influencing PM and sometimes Chancellors. Unlike PR, it is difficult to see Labour back-benchers arguing that social care reform would be bad for them.
    Graham: Yes!

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