Care Costs Capped – Dont Stand for Substandard Care
One in 10 people using the care system end up shelling out over £100,000. The hopes for reducing these costs have been dampened after the government announced that the cap on care costs would be delayed until 2020. This could make life very difficult for those who are already living up to the limit of their means.
No Lifeline from the Care Act
Currently, people have to pay for the care that they receive when they become elderly or if they are a younger person with disabilities. This is the case whether it's round the clock care or just a helping hand in the home with things such as washing and dressing. If you have savings under the amount of £23,250, you can get help towards your costs but the rest have to pay for their care out of their own pocket. If implemented, the changes would have meant that those who had assets of £118,000 would have received the help that they needed.
The 2004 Care Act was meant to be a lifeline for those who need the financial help but currently get no support from the government. However on reflection of the changes, the government have decided not to implement changes until further consideration has been taken.
The Department of Health
expressed it was still "firmly committed"
to the cap but, this is no help for those that were expecting their costs to be limited to £72,000 from April 2016. The decision was made to delay the cap on costs after the Local Government Association (LGA)
wrote to ministers expressing the strain they are currently facing. By the end of the decade, a shortfall of £4.3bn has been predicted in the care system with no light at the end of the tunnel as to how this amount is to be made up. This isn't something new and councils have been warning that this may be the case for quite some time.
Councils not only have to fund residential care
, they also fund help in the home care which has traditionally been underfunded. They have also had concerns that a push for a national living age would push up the cost of care, passing on the expense to those who need the support most.
Get Help from Simpson Millar
The delay in care costs is one of the promises made to voters before the election that the Conservative government promised to deliver when they came into power. However, the LGA expressed that going ahead with the proposed changes would be "deeply damaging"
The aim of the cap was to stop people from racking up enormous costs when they reach old age to pay for their care or to help those younger adults with disabilities. What we've ended up with is more delays and people continuing to miss out because of the government's failure to think ahead and consider the immediate effect the changes would have on the current system.
Not only does Simpson Millar LLP help with planning ahead to cater for future care costs
, we can help you to take your care providers to account if the care you're receiving is falling below the desired standard
. More and more will have to pay for their care following the government's decision to delay the costs cap, and those that are receiving substandard care should not accept it especially in light of the amount they are most likely paying to receive the care.