What is covered by Social Care?

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When I originally heard the news yesterday I thought that the 86K cap would include someone in a care home. This is NOT the case; the government has said that they will NOT be funding food and accommodation.


When my father died, my sister took my mother in (rather her than me). A couple of times a year my sister and her husband went on holiday and my mother had to move into a care home at her own expense. Mother was choosey about which home she stayed in. Living in these care homes were long time patients, the majority NOT paying a penny towards their keep, although I heard the other day that such patients forfeit their state pension – if they are drawing a pension that is.


Could someone please give me some instances of what exactly is Social Care? I assume it covers home help for the infirm, those who can’t look after themselves very well but NOT bad enough to have to go into a home?


If the government puts a cap of £86k on Social Care how would it be audited?


Imagine an aged man living along with £150k in the bank. Twice a week a care worker visits his home and gives him a bath, every two months someone arrives and trims his toenails.


Because of the cap, he would be liable to the whole cost. So who will set the rates for his bath? The government might set his bath at £30 a time and his toes at £40. Would the government be sending him a bill at the end of each month with a statement informing him of his new balance?


The guy might shop around and discover that Miss Whiplash is giving baths for £25 and she will also give him a toe job for £35. Therefore he might try to undercut the Social Care and save himself a few quid.


Is it likely that third party businesses will start up to compete with the NHS (Social Care)?


Quite often government prices are far higher than private enterprises. Someone living locally had had a builder create a drop down (NOT sure of the correct terminology) on the pavement to the road. It had been in place for years and there was no sign of wear or tear, to all intents and purposes it was exactly the same as his neighbour who had had his done by the council 30 years previously. The council must have done some homework and discovered that he and others had NOT had the job done by the council and as such he had to pay a massive fee to have it replaced.


If the guy above had his bath with Miss Whiplash could the government say she wasn’t doing a good enough job and force him to be bathed by someone from Social Care?


Thanks
 
I don't think they currently cap costs outside of care, so accommodation / hotel costs will be still be charged outside of the £86k cap. The Con / Lib government considered a £1k per month cap on care accommodation costs when these plans were considered years ago but that hasn't made it in to this governments proposal.

It's a half baked plan when we need real reform in social care and most people will still need to sell their parents home if they end up in a care home. Whether someone should have to sell their home to fund their care is debatable but looking forward you are going to have more and more people renting in later life with no assets to sell.
 
Could someone please give me some instances of what exactly is Social Care? I assume it covers home help for the infirm, those who can’t look after themselves very well but NOT bad enough to have to go into a home?

Thanks

What is Social Care - how many examples do you want?

Generally it's to help/assist people who can not do things for themselves. People forget, social care isn't just about "pensioners" - Social care covers a massive spectrum of illness, mental illnesses, care, etc etc

Covers all forms of personal care and other practical assistance for children, young people and adults who need extra support in any way.

It's a massively emotive subject and also as you have seen recently - a massively expensive area.
 
It's a half baked plan when we need real reform in social care and most people will still need to sell their parents home if they end up in a care home. Whether someone should have to sell their home to fund their care is debatable but looking forward you are going to have more and more people renting in later life with no assets to sell.
I am certainly considering selling everything and gifting as much of it to my kids as possible to avoid owning many assets at the end. Not a plan prompted by the recent change but something I've been thinking of for a while. I would hate for everything to be taken away at the end after years and years of dragging myself into a hellish job for 12 hours a day.
 
I am certainly considering selling everything and gifting as much of it to my kids as possible to avoid owning many assets at the end. Not a plan prompted by the recent change but something I've been thinking of for a while. I would hate for everything to be taken away at the end after years and years of dragging myself into a hellish job for 12 hours a day.

Just be aware of deprivation of assets.

If someone intentionally reduces their assets - such as money, property or income - so these won’t be included in the financial assessment for care home fees, this is known as ‘deprivation of assets’. If your local council concludes you have deliberately reduced your assets to avoid paying care home fees, they may still calculate your fees as if you still owned the assets
 
I am certainly considering selling everything and gifting as much of it to my kids as possible to avoid owning many assets at the end. Not a plan prompted by the recent change but something I've been thinking of for a while. I would hate for everything to be taken away at the end after years and years of dragging myself into a hellish job for 12 hours a day.

As above, get proper advice. The usual 7 year rule doesn't apply for care costs.
 
They need to address the waste in the NHS first then build national care accommodation similar to travel lodges and manage the whole thing under the NHS rather than local authorities.
 
What if someone reduces their assets 'unintentionally' by getting their kids to 'steal' it all?

You loan someone money so you drop under the threshold. Legally you haven't given assets away as the money is owed to you and is still technically yours. It just isn't counted as an asset because you don't have access to it. We learned this when my old man had to be placed in a nursing home a few months ago.
 
They need to address the waste in the NHS first then build national care accommodation similar to travel lodges and manage the whole thing under the NHS rather than local authorities.
At this rate, get the feeling the more wasteful the better in their eyes. They want to gut the NHS but can't be seen to be the ones behind it.
 
You loan someone money so you drop under the threshold. Legally you haven't given assets away as the money is owed to you and is still technically yours. It just isn't counted as an asset because you don't have access to it. We learned this when my old man had to be placed in a nursing home a few months ago.
Loan kids the house:confused::D.
 
Loan kids the house:confused::D.

That would be good. Complicated, but good. We did thiink about signing the house over to me some years back, but my old man got ill and we never got around to it. Thankfully though the house wasn't counted as an asset because my parents are married and my Mother still lives in it, as do I for now.
 
Because I have a social worker (due to sight and hearing loss), I count as being under social care as well. It just never twigged for me until only recently, even though I've had social workers for decades.

Can I assume that at present you do NOT pay anything at all?

Assuming you fall into the bracket(s) of having money in the bank in excess of £20k is it likely that when this new system kicks in the help you receive will have a price tag attached to it? If it doesn't I can't see how the government can control payments and limits. There's going to be a lot of bureaucracy involved and people must have to be recruited to administer the system, that will eat up a lot of the money collected through taxation.

Could a young man of 22, living alone in a flat, falls of his bicycle, breaks both legs and is bed ridden for 3 months and needs home care until he is back on his feet. A care worker visits him 3 times a week to give him a bath, another visits him to clip his toe nails,a third turns up to clean his flat and a supervisor visits him to ensure that the other workers are doing the job correctly.

Each of those events might be priced?

If he was unfortunate in later years to have a car accident etc he very well might accrue more payments.

My brother-in-law went into hospital for an anus transplant. The anus took one look at him and rejected him! He is 51 in November. It wouldn't be true to say that he has never worked a day in his life because he was given a job as a dustman, he turned up for one day, said the work was too hard, went home and never went back to work. If he had to go into a care home (as his mother has done) he wouldn't pay a single penny to the state. If anything was to happen to Mrs B (death), I'd try to get a place at The Royal Chelsea Hospital (Chelsea Pensioner).
 
Can I assume that at present you do NOT pay anything at all?

Assuming you fall into the bracket(s) of having money in the bank in excess of £20k is it likely that when this new system kicks in the help you receive will have a price tag attached to it? If it doesn't I can't see how the government can control payments and limits. There's going to be a lot of bureaucracy involved and people must have to be recruited to administer the system, that will eat up a lot of the money collected through taxation.

I've had social workers for decades and never had to pay directly.

My salary is just under £16k, so I do pay NI contributions from around £9.5k onwards as per norm.

I know I'm posting on a conservative forum (conservative with a small c), but I definitely don't have £20k in savings!
 
This is a conservative forum?

It seems very slightly left of average to me. Which tbf is probably conservative in the UK!
 
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