Long-term care insurance providers are playing down the significance of the Scottish Parliament's decision to fund nursing as well as personal care in nursing homes.
They claim insurance will still play a vital role in Scotland as there is no timetable for implementation of the plans and there are question marks over the quality of care the state will provide.
PPP Lifetime Care says Scottish pensioners will still be expected to pay for their own accommodation, which amounts to about half the average annual costs associated with nursing homes, ranging from £15,000-£20,000.
Age Concern says Scotland could become a retirement home for wealthy English pensioners unless Westminster matches funding decisions for LTC.
The Scottish plans, announced late last week, go further than those proposed for England and Wales released last year, which only cover nursing care costs.
Conservative MP Peter Bottomley is calling on the Government to make clear its intentions and explain why it does not believe it should fund the same costs as the Scottish Parliament.
MP Paul Burstow, the Liberal Democrat spokesman for the elderly, is critical of the proposals for England and Wales. He says the full recommendations of the royal commission into LTC, calling for both personal and nursing care costs to be paid for, should be accepted.
PPP Lifetime Care LTC marketing manager Paul Bennett says: “There will still be a significant chunk that people have to pay for themselves. What level of quality of care the state can afford to cover also remains to be seen.”
Age Concern spokeswoman Alice Hunt says: “The vast majority of wealthy English and Welsh pensioners may move to Scotland to take advantage of the free care paid for by the state.”