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‘Dilnot proposals mean residential cost higher than the lifetime cap’

Partnership Assurance says under Andrew Dilnot’s longterm care proposals, people going into residential care would face costs that are substantially higher than the lifetime contribution cap proposed.

The Dilnot commission report, published last July, calls for a cap on individuals’ lifetime contributions to social care costs of between £25,000 and £50,000, with £35,000 the recommended figure. It also suggests increasing the means-testing threshold from £23,500 to £100,000.

The cap would not cover “hotel costs” of care funding such as accommodation and food but the commission has called for a standard limit on general living costs in care of between £7,000 and £10,000 a year.

Speaking at an Age UK conference in London last week, Partnership managing director for care Chris Horlick said: “It seems to me if you are going into residential care, the notion of a cap disappears completely. Under the Dilnot proposals, the consumer would have to pay the £10,000 contribution, that is, about £190 a week towards general living costs.

“They would have to pay everything above the local authority rate and would have to pay the first £35,000 of the remaining cost. That means a self-funder living for four years would still end up paying 90 per cent of the cost of their care. Where is the £35,000 cap in that?”



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There are 2 comments at the moment, we would love to hear your opinion too.

  1. The Dilnot proposals apply only in England. A poor piece of reporting from MM, which is a pan-UK publication, ad it totally fails to mention which countries this would apply to.

    MM has Scottish and Welsh readers also…and they should not be misled.

  2. My grandad has worked all his life, I believe sometimes 7 days a week, raised his family and built a business which he sold many years ago for a good sum. Not millions by no means but about a million ish. Now for about six years now he has been in a home. The fee £4000.00 a month? Take this figure and add it together over the course of 10 years say as he has a couple of years left that will equate to about £600,000.00 in care costs….. The person next door get their care for free?

    I believe there should be a fee of course but a cap would make perfect sense as it seems pretty unfair in all honesty. The Government wants us all to work hard but when working hard, this clearly seems to be a hindrance in some sense and certainly does not motivate me to work to hard lol

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