The Association of British Insurers has called for local authorities to work via a national framework in delivering long-term care to bring clarity on who qualifies for support.
The ABI has published a paper looking at the sustainability of long-term care from the perspective of UK insurance companies.
It argues for the establishment of a national framework for care assessments for local authorities.
The national framework would include a list of criteria, put together by local authorities and insurers, to standardise the process of deciding who qualifies for care and when insurers would pay a claim under a long-term care policy.
Assistant director of health and protection Nick Kirwan says that there is no consistent criteria for assessing care needs, which means that different decisions on care are being made in different places.
Kirwan says: “If British insurers are to have a part in helping people plan for long-term care as we hope, then the point at which people need
are is effectively the claims’ trigger for the policy.
“If you are to set a proper pricing basis for a policy then you need to be clear about what does or does not trigger a claim, otherwise how can you price a policy?
“We think that from both a fairness point of view for consumers and a participation point of view for the private sector, we need to be clear with people about when you do and do not qualify for support. A framework that allows the private sector to participate in the provision of long-term care would help to do that.”
Partnership director of corporate affairs Jim Boyd supports the plan for a national framework. He says: “At the recent party conferences, everyone was calling for a fair and transparent care system which can be uniformly introduced as a benchmark across Britain. The key thing is that the delivery of care still has to be personalised to the needs of the individual but I would expect the introduction of a national framework to come out as one of the recommendations.”
The Government set up an independent commission in July to advise on the affordable and sustainable delivery of long-term care, which is to report back within a year.