What the cap on care costs doesn't do

Elderly hand holding coins Ministers want to cap the costs of social care, but there are some caveats

Ministers are hailing their changes to social care as the solution to the long-standing problem of how to care for the elderly.

The introduction of a £75,000 cap - if introduced - will arguably be the first time the system has been overhauled since it was created along with the NHS after the Second World War.

Understandably, the plans have been widely welcomed with campaigners willing to give the government credit for doing this at a time when the financial situation makes it harder to do than it has been for a long-time.

But despite the breakthrough it is not quite the panacea it may seem on first glance.

Many people will still not get any help from the state

The government is effectively saying it wants to see a partnership between the state and individual.

It is promising to pick up the really high costs, while leaving the individual to cover the cost of the average care package.

But less than a fifth of people face costs in excess of £75,000, meaning the majority of people will still have to pay all of their bill.

About a quarter of people do not develop any care needs - or very little, while for another quarter the costs of care are below £20,000.

However, for a third of people the bill is between £20,000 and £75,000 - they will not get any help unless they fall below the means-testing threshold as the least well-off do not have to pay the full costs of care.

But of course many will say that is better than the current situation where people can face unlimited costs - and the hope is that the insurance industry will develop products that will cover the costs people face.

You won't be able to shop around for the best services

The cap only includes services that are available at the normal council cost.

If you want to move into a luxury care home or pay to get the best help you will have to cover that extra cost yourself.

Any spending above what the local council would have paid for would not count towards the cap, leaving the individual to top up their package.

It means relying on the current quality of services available if you want to stay within that £75,000 sum.

Unfortunately the system, according to the Local Government Association, is drastically under-funded, which is hampering the ability to meet the needs of the elderly.

The government spends less than £10bn a year on social care for the elderly - a tenth of what is spent on the NHS and a quarter of the defence budget.

The criteria for being entitled to social care help will be extremely high

Just because you develop a care need, it does not mean you will fall within the system.

Only those with needs classed as severe or substantial will be entitled to help - that basically means you need round-the-clock help.

Any spending before you reach that level of need will not count towards the £75,000 cap.

It will mean many will still have to struggle to get by on their own until their situation worsens.

That is no different to how it is now, although a decade ago many councils were able to offer help to those with low or moderate needs.

The social care system, in a nutshell, will only be there for the most frail.

Care homes will still be expensive places

A cap of £75,000 is a substantial sum of money, but on top of that people face paying so-called accommodation costs.

This is to cover the cost of things such as food, bills and renting the room.

Of course, these are the kind of costs elderly people face if they are in their own home - and that is one of the reasons why there is a state pension.

But with annual "accommodation" bills often hitting the £10,000 mark, a care home place will be a more expensive arrangement than the status quo for most.

Nick Triggle Article written by Nick Triggle Nick Triggle Health correspondent

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  • rate this

    Comment number 229.

    If anyone is thinking of giving their assets away (or even going on a nice holiday, helping their grandchilderen with housing costs etc.) they should look at the rules on voluntary deprivation, in effect certain expenditure will be added to the cap.

  • rate this

    Comment number 228.

    NHS used to pay the full cost of medical care for those in Care Homes but did not cover board and lodgings or non-medical personal care . The £75,000 (?) cap only covers medical care, so is this actually a cost which previously had to be paid by the NHS?

  • rate this

    Comment number 227.

    Tell them you are struggling and a rota of 1 hour each is needed to look after this pt. If the qualified ignores this plea on 2 occasions I would go home sick. I would hope it doesn't each that conclusion but i have seen it that no one whether the Queen Mother or a Qualified Nurse wants to special the agitated demented guy.
    It's not fair on the pt. nor the staff and it's not worth abusing another

  • rate this

    Comment number 226.

    It is never ok to shout or man handle ppl.
    I would wager that that HCA was left to cope while her co workers were 'i'm all right jack'. I've seen ppl expected to stay 11.5 hours with pts like this. My advice would be to approach the qualified nurse, who's patient it is, it's not the HCAs patient.

  • rate this

    Comment number 225.

    For what it is worth my Wife works, including travelling time, 0800 - 1800. Mon to Fri. I work 2 nights a week 1900 - 0730 and i then work Saturday 12.00 - 19.00 and Sunday 0930 - 1615.
    I could work less but we are currently saving for a 1/3 deposit for a home of our own. I am no brain box but I guess I could do something more taxing than the work that I do but I need the hours.


Comments 5 of 229



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