The Conservative Party

Len Rum said:
Struggling a bit with this 86k cap rule.
Once you've reached your limit, who pays for your ongoing care and what standard of ongoing care are you entitled to - is it the most expensive care home you can find or do you have to go into a local authority home?
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Local authority are usually the best because they don’t have a profit imperative.
 
tshirtman said:
National Insurance drops from 12% to 2% if you earn over £50,268/year. Raising it, while taking up to £1,000 off of those on Universal Credit, this will hit the lowest earners the most.
earn £184 p/w - 12% take home £161
earn £967 p/w - 2% take home £947
Disgusting.

NIC for employees | Low Incomes Tax Reform Group

Most employees pay National Insurance contributions (NIC) before they get their wages. On this page, we explain NIC issues that you might come across
www.litrg.org.uk www.litrg.org.uk
Click to expand...

That’s not how it works at all.

earn £184 p/w you’ll pay no tax (income or NI)
After that and up to £967 p/w you’ll pay 12% NI, (income only after £12.5k per year)
and for anything above £967 p/w you’ll pay 2% on that part (and whatever income tax you need to pay).
 
Len Rum said:
Struggling a bit with this 86k cap rule.
Once you've reached your limit, who pays for your ongoing care and what standard of ongoing care are you entitled to - is it the most expensive care home you can find or do you have to go into a local authority home?
Click to expand...

Local Authority - except they won't have the funds. Downing Street in a briefing stated LA’s will be funded to help with this, but it’s a briefing so wouldn't rely on it.

There is still a lot of detail missing from all of this.
 
YouGov snap poll...

‘How fair (+) or unfair (-) each age group thinks it is on people like them to raise National Insurance to pay for NHS and social care (net figures):

18-24 year olds: -40
25-49 year olds: -22
50-64 year olds: -7
65+ year olds: +30’
 
Saddleworth2 said:
Local authority are usually the best because they don’t have a profit imperative.
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You're wrong mate.
Local authority care homes are not better than the most expensive private care homes.
If it comes to it I want to use up my 86k in the most expensive care home I can find and then live there free thereafter.
Can I do that?
 
‘Crucial response from that press conference for me was Sajid Javid admitting he can't say how much money social care will actually get and when, because it all depends on how NHS gets on with clearing the backlog. NHS bosses say it could take ten years’ @Sky
 
For the first time I am starting to feel myself aligning with the Tory party.

By this I mean that I feel the tories would be quite happy if I was to die suddenly at 68 years old with no burden on the state, while at the same time i find the thought of passing away at 68 more appealing than spending a 20 year retirement living in a world run my these morally bankrupt wankers.
 
Len Rum said:
You're wrong mate.
Local authority care homes are not better than the most expensive private care homes.
If it comes to it I want to use up my 86k in the most expensive care home I can find and then live there free thereafter.
Can I do that?
Click to expand...
No
 
If as it appears it 'only' costs 2.5bn (per annum or over three years?) to fund the current cap of 86k why didn't an earlier government do this simply by borrowing a bit more?
This is small change in today's money.
Could have even reduced the cap further by a bit more borrowing.
 
Help. Cap of £86k. My sister-in-law is in a nursing home. Completely incapable of looking after herself after having a very serious stroke 5 years ago; she can only move her right hand. She and her husband have to spend all of both their pensions plus some of their savings to keep her there. The LA refuse to pay any of her care. When they have spent the £86k in the lifetime what will happen?
 
Len Rum said:
You're wrong mate.
Local authority care homes are not better than the most expensive private care homes.
If it comes to it I want to use up my 86k in the most expensive care home I can find and then live there free thereafter.
Can I do that?
Click to expand...
When you say "free" don't you mean at the expense of the local authority
 
denislawsbackheel said:
Oh no they are not!
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Oh yes they are!

seriously, yours and @Len Rum rum experience must be different to mine. My sister and I visited around 6 or 7 care homes when my mums dementia got to a stage she couldn’t stay in her home. 2 were council run, the others were all private. The best two were both council run and after a real fight with the local council we managed to get mum in one of them where she was happy and wonderfully cared for until she died in June. The private homes ranged from ok ish to disgraceful. A couple of them have featured in the news over the last couple of years and not for the right reasons. So I can only talk from experience. when she died, the care she got was just wonderful. They couldn’t have been kinder if she was a member of their family.
 
Saddleworth2 said:
Oh yes they are!

seriously, yours and @Len Rum rum experience must be different to mine. My sister and I visited around 6 or 7 care homes when my mums dementia got to a stage she couldn’t stay in her home. 2 were council run, the others were all private. The best two were both council run and after a real fight with the local council we managed to get mum in one of them where she was happy and wonderfully cared for until she died in June. The private homes ranged from ok ish to disgraceful. A couple of them have featured in the news over the last couple of years and not for the right reasons. So I can only talk from experience. when she died, the care she got was just wonderful. They couldn’t have been kinder if she was a member of their family.
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I think it boils down to where you live and which LA.
 
Fred_Quimby said:
Help. Cap of £86k. My sister-in-law is in a nursing home. Completely incapable of looking after herself after having a very serious stroke 5 years ago; she can only move her right hand. She and her husband have to spend all of both their pensions plus some of their savings to keep her there. The LA refuse to pay any of her care. When they have spent the £86k in the lifetime what will happen?
Click to expand...
Sorry to hear about your sister in law's situation mate.
From what you've said I can only assume that your sister in law currently owns assets at a value which means she has to pay all her care costs.
I hope I'm wrong but I think this will continue until the new system kicks in ( April 2022?) and then further contributions from that date will be subject to the 86k cap.
 
Fred_Quimby said:
Help. Cap of £86k. My sister-in-law is in a nursing home. Completely incapable of looking after herself after having a very serious stroke 5 years ago; she can only move her right hand. She and her husband have to spend all of both their pensions plus some of their savings to keep her there. The LA refuse to pay any of her care. When they have spent the £86k in the lifetime what will happen?
Click to expand...
It doesn’t start until October 2023!

Have they got Attendance Allowance for her if she’s over retirement age or PIP if under?
It’s not much but all helps and she’ll definitely qualify.

I strongly recommend you read this and check how much of this they did not know. LAs are very good at not informing people of their rights.

caretobedifferent.co.uk

10 Tips About Care Fees You May Not Know - Care to be Different

You may have spoken to someone in health and social care about who pays for care, but they may not have told you these 10 tips about care fees...
caretobedifferent.co.uk caretobedifferent.co.uk

One thing that has not been addressed yet is whether private care homes can send you packing once your £85K has been used up. At the moment they can.
 
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Len Rum said:
Thank you.
I'm sure you're right but why not?
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They are privately run businesses.
You sign a contract to pay £X for their services.
If your dosh runs out you currently have to leave and find a cheaper one or a local authority one.
They only have a tiny percentage of LEA funded patients.
Can’t see that changing any time soon.
 
denislawsbackheel said:
It doesn’t start until October 2023!
Have they got Attendance Allowance for her if she’s over retirement age or PIP if under?
It’s not much but all helps and she’ll definitely qualify.
One thing that has not been addressed yet is whether private care homes can send you packing once your £85K has been used up. At the moment they can.
Click to expand...
I'm assuming that if you're in a private care home which is more expensive than a local authority home ( and most of them are) then if you pay up to your limit of 86k in the expensive private care home then the Govt. will only then subsidise your future care in a lower cost local authority care home or provide you with a cash amount equivalent to this cost and then you have to make up the difference to stay in the private care home.
 
That’s how I see it too.
So where the hell are the new local authority care homes going to come from because the piddling amount the govt are setting aside for this won’t go far.
 
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