Companies report “no interest” in care insurance – smaller mutuals will lose out

It is natural that people looking into their future should be in denial of the real risks. Going into care will happen to some 20% of us. Premiums paid into an insurance policy might be wasted… The obvious answer is a state funded insurance based system, and without an opt out for the majority who have average incomes. Richer people might opt out, but there are great advantages to the system being comprehensive and universal. Size! Exactly what Scotland, N Ireland and Wales have rejected in voting for their much smaller mutuals.. When Health and Social Care are combined, it will be interesting to hear how politicians justify rationing social care, but not rationing health care overtly..

The BBC News website has a calculator for cost of your care by post code and it is interesting to compare the different regions. Whilst England uses a calculator depending on assets, the rates for Wales are clearly outlined on one page.

The cost of care was posted on 29th January.

Nick Triggle reports 27th Jan 2015: Does the (care) cap fit?

…From April 2016 the government is capping care costs after the age of 65 at £72,000 over the rest of a person’s life. However, there are three important caveats to this.

First, you have to get into the system. Only when an individual is deemed to be eligible for care does their spending count towards the cap. But access is rationed to people with high care needs.


There is a complex definition of what this means, but essentially it is when a person is really struggling with daily tasks such as washing, dressing and eating.

Most people in care homes will obviously qualify, but that is not the case for people who are just about getting by at home.

Alison Holt on BBC News reports 29th Jan 2015: Dementia: The implications for the care system

  • Care spend ‘cut by fifth in decade’

  • Care calculator launched by BBC

  • Care cuts ‘leave old high and dry’

  • Many elderly ‘struggle’ at home

  • The ageing challengeDementia: Is the care system failing people?

    Your questions answered WatchCare expert sheds light on the complexities of system

  • ‘It’s frightening’ WatchThe difficulties of working out how to pay for care
  • A guide to careWatch as the BBC’s Nick Triggle explains how the calculator works
  • Planning for my care WatchHelen Center has set-aside money to pay for her future care
  • ‘I have no help’ WatchPeggy is nearly blind and has arthritis, yet gets no support
  • Day in the lifeA look at what really goes on in residential care
  • ‘Our money has gone’ WatchHow dementia has cost a couple their £46,000 in savings
  • Tough callsHow assessors decide who gets care from councils
  • ‘We subsidise the system’ WatchMy mother has paid £80,000 more for her care than a council would
This entry was posted in A Personal View, Rationing, Stories in the Media on by .

About Roger Burns - retired GP

I am a retired GP and medical educator. I have supported patient participation throughout my career, and my practice, St Thomas; Surgery, has had a longstanding and active Patient Participation Group (PPG). I support the idea of Community Health Councils, although I feel they should be funded at arms length from government. I have taught GP trainees for 30 years, and been a Programme Director for GP training in Pembrokeshire 20 years. I served on the Pembrokeshire LHG and LHB for a total of 10 years. I completed an MBA in 1996, and I along with most others, never had an exit interview from any job in the NHS! I completed an MBA in 1996, and was a runner up for the Adam Smith prize for economy and efficiency in government in that year. This was owing to a suggestion (St Thomas' Mutual) that practices had incentives for saving by being allowed to buy rationed out services in the following year.

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