Options for care funding: What could be done now?

Sue Collins
4th Mar 2009

Changes that can be made immediately to improve the UK's care funding system.

Many experts, the public and the Government agree that the UK needs a new care funding system: evidence shows that the present system is unfair, unclear and unsustainable. This summary updates a Solutions produced in 2007, and suggests four costed, fairer and more sustainable methods of funding including:

  • equity release, allowing older homeowners to pay for home-based care by deferring the costs until their home is sold;
  • higher capital limits for care home fees to help those with modest assets;
  • doubling the personal expenses allowance for people living in care homes supported by local authorities; and
  • restructuring help for people in nursing homes, breaking down the barrier between health and social care.


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