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Govt to pay out up to £110 a week for LTC

Individuals getting nursing care in nursing homes stand to gain up to

£110 a week under the Government&#39s long-term care funding proposals

rel-eased this week.

The funding, due to be implemented in England on October 1, still leaves

individuals facing average costs of £283 a week, according to latest

estimates of nursing care costs from Laing & Buisson, which places average

weekly costs at £393.

Providers welcome the ann-ouncement, which comes as draft guidance from

the Department of Health, saying it gives IFAs a concrete basis on which to

discuss LTC insurance needs with clients.

Norwich Union LTC strategy manager Sandy Johnstone says: “There is still a

huge gap between what the state is going to pay for and what the individual

will have to pay for.”

The three proposed bands of nursing care allowances are £35 a week

for what the Government describes as “low” amounts of care.

People getting “medium” levels of care can expect £70 a week while

people getting “high” levels of care will get up to £110 a week.

Initial plans by the Government to pay only for nursing care and not

personal care remain unchanged, meaning dementia sufferers will have to

fund most of their own costs because they typically do not need medical

care while requiring assistance with day-to-day activities.

Health minister Jacqui Smith says: “This new system will benefit around

35,000 people who are currently paying for their nursing care from their

own funds.

“With the implementation of free nursing care, these individuals could

stand to save up to £5,000 a year.”

PPP Lifetime care LTC marketing manager Paul Bennett says: “Residents with

dementia are likely to fall into the lowest band due to their care needs

being more for personal care and supervision.”

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