“Dilnot Update”

It is now nearly three years since our politicians were so all consumed in finding a solution to funding long-term care.    This was in the run-up to the last general election.    (See all my earlier blogs on this subject by clicking on “DILNOT COMMISSION” in the TAG CLOUD).

Of course, politicians’ promises soon disappear after elections and sure enough the standard prevarication tool of a commission to look into the issue was set up.    The Dilnot Commission began its work in 2010 and reported its conclusions in July 2011 in its report which was called “Fairer Care Funding”.

Essentially they amounted to:-

  • A £35,000 cap on residential care costs;
  • Residents paying £10,000 per year for accommodation;
  • State funding increased to those with up to £100,000 of assets – albeit tapered.

Andrew Dilnot’s laudable aim was to open up an insurance market to cover the  first £35,000 cost of long-term care.    This left the Government to fund, what the insurance industry would not cover.    What the insurance industry calls the “catastrophic stop loss” – i.e. the costs when the £35,000 runs out.

This was a something for everyone solution that might just have worked, were it not for the new-found “time of austerity” and the rising numbers of elderly people with long-term conditions.   The Government’s problem was the £2.3 billion price tag.

So wait another year and the prospect of another election begins to beckon.    So the Government “modifies” the proposals:-

  • A raised £75,000 cap on residential care costs;
  • An uplift on accommodation costs to £12,500 per year;
  • Some state funding for those with less than £125,000 assets.

Oh and by the way!  ————- not implemented until 2017.

This is unlikely to open up an insurance market because the cost of cover will be too high.  For most people they will still end up paying their own costs at around £100,000 for the first two years.     What the revised proposal offers them is “stop-loss care insurance” beyond the first £75,000, which is a very small improvement on the current situation.

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4 Responses to “Dilnot Update”

  1. I watch, listern and learn, with baited breath for any solution, and as the government may speak ‘OUTCOME’. Somewhere I remember these words and deeds being revealed as targets. An arrow through the breast more like!!!

  2. Just dreaming of what was as a youngster, without having to consider what ‘IF’ as all the politicians fight for my mind and my vote. Today I was talking to friends about train sets, and that set me thinking? As a child I would listen to the sound of a train whistle approaching Hawes, or disappearing down the dale to Bainbridge, that majestic arrival of a high pitch whistle and then it being consummed by the country side. Where was the train going too?? Hawes and Gale Junction then north or south on the Settle-carlise line in LMS colours and hauled by LMS Locos: Or down through bainbridge to Northallerton and onward to Darlington and north or south on the east caost main line LNER. My colours were nailed to the mast, I prefered the A4’s ( Streaks) of the LNER Gresley Class, to those Duchess classes of the LMS. I never knew the GWR or the Southern Region, so they did not have my support, or enthusiasium. Back to my train sets it had to be a Hornby Electic set with Sir Nigel Gresley Loco, not the Duchess of Atholl/Montrose or a King Class Loco. However my young days were spent for some 2 years in Hamburg 47-49, and many of the contempories of mine had find german electric train sets with model electic 0-6-0-2 and wild looking german steam locos (2-6-4) with side smoke screens-These were majestic beasts, and graced a Twin Trix, or Marklin train set (Electric 00 Gauge 3 rail). Twin Trix one could double head a train, which Hornby did not allow, and marklin had overhead pick up’s. So agin I could dream of many fine destinations in my youth, I was to be an engineer diver or firemen on the railways. In the UK one had the Honrby 0 gauge tin plate 3 rail train sets, with mainly british steam engines. This layout unlike the 00Gauge train sets(Table top) had to be laid out on the floor.
    What did I become ? A seagiong engineer so I did full fill my dreams and travel, but not by the railways of the world, but my steam powered and diesel powered tankers ( Parsons pamatra doxfords H&W B&W, Sulzer ). I saw dates, sand. arabs and the sea, and if was really luck I kissed a camel. What have you done with your dreams???

  3. john graham says:

    What a great piece of recollection and a really excellent post. I am not sure what it has to do with my ” Dilnott” blog but it is a lot more interesting a subject. I will create a space for you to write more posts like this one . Watch this space———-

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