Individuals getting nursing care in nursing homes stand to gain up to
£110 a week under the Government's 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Providers welcome the ann-ouncement, which comes as draft guidance from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
“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.”