National old age social care loans scheme

  • English councils want a national deferred payment scheme to help people pay for their social care costs in old age.

    The Local government Association have said that the government could set up a company to lend money which would be paid back from a person's estate once they pass on.

    A scheme like this is already run by numerous local authorities and the government is said to be keen to create a nationwide system. However the LGA says that the government should underwrite it, rather than councils.

    The government says that it has been consulting a range of its reforms, including deferred payments and will publish its response in the New Year, reports the BBC.

    The LGA says that the government should underwrite a national scheme as the councils do not have the money due to budget cuts. LGA chairman Sir Merrick Cockell said: "Deferred payment schemes can offer peace of mind to people worried about how they are going to pay for care in old age. This is an option which councils would like to be able to offer to as many people as possible but we have limited funds that restrict us from doing so. We suggest that government considers an option for a separate national organisation, similar to the Student Loans Company, to run the deferred payment scheme on behalf of councils.This needs to be part of a huge overhaul of the system that brings care up to a standard fit for the 21st Century and ensures that our increasingly ageing population can lead happy, healthy independent lives long into their old age."

    The Association of Directors of Adult Social Services and the Social Local Authority Chief Executives are backing the LGA's proposal.

    ADASS president Sandie Keene added: "Funding is of paramount importance in ensuring that older people's wellbeing, safety and security lie at the heart of a modern, integrated and effective social care system.

    "The proposals we have put forward alongside colleague associations will help towards that end."

    Care and Support Minister Norman Lamb said: "We do not want people to have to sell their homes in their lifetime to pay for care, as is often the case in the current system. We have always been clear that a deferred payment scheme must be sustainable in the long term and we have committed to giving councils £335million in 2015/16 to help fund our changes.This is one of a range of proposals we think will make the system fairer - protecting people from unlimited care costs and helping them to pay for care. Our proposals have been part of an open consultation with the public and we will consider all the responses, including this one, carefully."

    What do you think of this? Tweet us your comments @suppsolutions

    Image source: http://www.morguefile.com/archive/display/200384

Related articles

  • Read More

    Older people need more male carers

    Professor Martin Green has said that the government needs to do more to recruit males into front-line adult social care roles, reports the BBC.Prof Green has said that with the increasing number of...

  • Read More

    Survey finds older people have better quality of life in retirement villages than care homes

    Chief executive of Audley Retirement, Nick Sanderson, has said that demand for his form of extra-care housing was so strong he could not build homes fast enough, reports the Guardian.He said: “I...

  • Read More

    Older people’s Commissioner disappointed by Welsh Government

    Sarah Rochira, Wale’s Commissioner for older people has said she is “extremely disappointed” at the response from the Welsh Government to its call for action to protect residents in care homes,...

  • Read More

    Charity warns of loneliness in older people

    The Campaign to End Loneliness charity want a “range of support” for older people to help them fight loneliness, reports the BBC. The charity says that transport and technology are essential to...

  • Read More

    New housing for older people promised

    Members of Kensington and Chelsea’s cabinet have decided to create 150 new homes for older people on the site of a care home that closed down in 2014 due to Legionella, reports Get West...

  • Read More

    New drug provides hope for older people with Parkinsons

    Scientists have found that people taking glitazone pills were less likely to develop Parkinson’s than people taking other diabetes drugs. However, they have cautioned that the drugs could have...

  • Read More

    Lack in dignity when caring for older people in hospital

    In a poll from 2012 it has been found that poor care is most likely to be experienced by people over the age of 80, reports the BBC. Over a third of patients who need help at mealtimes did not...

  • Read More

    New housing development for older people in Sunderland

    A 16.3m housing and care scheme has been opened by the Leader of Sunderland Council, reports Sunderland Echo.The accommodation provides 158 two-bedroom apartments for older people and 17 one bed...

  • Read More

    Social care cuts leaving older people stranded

    Age UK is calling on Chancellor George Osborne to put an end to cuts to social care funding due to the increasing rate the older population is growing, reports the Yorkshire Post. Age UK has...

  • Read More

    Charity wants priority for older people in housing

    Erosh represents organisation providing housing and support to 120,000 older people and has written to new government ministers in opposition, reports Inside Housing.The letter calls on ministers to...

Briefing Signup

 
Quick Contact

Quick contact

Close

Contact us

T 0333 332 1991 (Local rate)

E info@supportsolutions.co.uk