land grab from pensioners - !! UK style
tony at cultureshop.org.uk
Thu Jul 12 14:36:27 BST 2012
Pay when you die solution for pensioners moving into care homes
Pensioners moving into nursing homes will be able
to borrow money from the Government rather than
having to sell their property to pay for care,
under plans to be unveiled by ministers.
By Robert Winnett, and Tim Ross
10:00PM BST 10 Jul 2012
Councils will lend money to nursing home
residents and recover it after death from the
proceeds of the persons house being sold.
The pay when you die scheme, to be introduced
in 2015, is intended to stop up to 40,000 people
each year being forced to sell their homes to pay for care.
A care home place costs an average of £26,000 a
year and only those with limited assets have their bills paid by the state.
Andrew Lansley will publish the long-delayed
social care White Paper on July 11th. He will
confirm that key decisions on funding will be delayed until at least 2014.
Ministers want to cap the cost of care faced by
an elderly or disabled person, but agreement has
yet to be reached on how to pay for it.
In an article for the Daily Telegraph, the Health
Secretary says: Our plans will end the scandal
of people being forced to sell their home to pay
for their care. From 2015, everyone will be able
to get a loan instead of having to sell their home while they are alive.
But the Health Secretary adds: I recognise that
we can go further. We can enable people not to
lose everything they have worked and saved for if
they need care for several years.
"That is why we agree in principle that a limit
on the amount that people pay themselves for the
long-term care they receive would be the right way forward.
He points out, however, that public finances are under pressure.
The deferred payment scheme for care homes was
first proposed by a Royal Commission more than a
decade ago. Since then, councils have been able
to offer interest-free loans to people who face
having to sell their home to pay for care.
But their availability varies significantly
throughout the country. Most local authorities
will only provide loans to those with few savings
and, in the past year, about 8,500 have been offered.
The new scheme will order councils to provide the
loans. They will be able to charge nominal
interest probably in line with inflation so
that it does not cost them money. The loans will
be repaid after someone dies, either by selling
their home or by the heirs re-mortgaging the property.
Details will be negotiated between the Government
and local authorities in the coming months, and
the level of interest payments is likely to prove crucial.
The social care proposals are billed by the
Government as a watershed moment. There will
also be initiatives for those caring for loved
ones and powers to give people far more control
over their own care. More people will be looked
after in their own homes, where previously they
would have been forced into nursing homes.
Ministers will find another £200 million to
provide specialist housing for the elderly.
In the article, Mr Lansley also pledges to end
the postcode lottery which faces people needing
care. We will for the first time set out that
people in need of care and support have minimum
rights and standards that they can expect
wherever they live, he says. So an older person
can move closer to their loved ones with greater
confidence that their care will continue.
The proposals are unlikely to assuage campaigners
who are increasingly angered over delays to
fundamental reforms of the care system. Research
has found that most people are unaware that
long-term care in residential homes, or through
home-help services, is not free on the NHS.
Anyone with assets of more than £23,000 is
required to pay for all their care costs
themselves and one in 10 adults will have a
lifetime bill of more than £100,000.
A year ago, Andrew Dilnot, an economist,
recommended a £35,000 cap on what anyone would
pay for long-term care. The state would meet any
extra costs, and individuals would be encouraged
to take out insurance or save to pay up to the
level of the cap. Cross-party talks broke down last week.
Michelle Mitchell, of Age UK, said that without
urgent reform, elderly people would be
increasingly fearful and worried about their future.
Sir Merrick Cockell, chairman of the Local
Government Association, said that council social
services would need more money. There is an
immediate crisis in social care, he said.
Pensioners are routinely treated like children,
ignored in public and left standing on buses, a
study of attitudes by the charity Friends of the
Elderly found. Only one in five people believes
Britain is a good place to grow old.
We want to hear about your experiences of adult
social care in your area. How have you paid for
it? Have you had value for money? Have you been a
victim - or beneficiary - of a 'post code lottery'?
+44 (0)7786 952037
"Capitalism is institutionalised bribery."
"The maintenance of secrets acts like a psychic
poison which alienates the possessor from the community" Carl Jung
Fear not therefore: for there is nothing covered
that shall not be revealed; and nothing hid that
shall not be made known. What I tell you in
darkness, that speak ye in the light and what ye
hear in the ear, that preach ye upon the housetops. Matthew 10:26-27
Die Pride and Envie; Flesh, take the poor's advice.
Covetousnesse be gon: Come, Truth and Love arise.
Patience take the Crown; throw Anger out of dores:
Cast out Hypocrisie and Lust, which follows whores:
Then England sit in rest; Thy sorrows will have end;
Thy Sons will live in peace, and each will be a friend.
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