by
menhir
@ 15 Jan. 2008 - 14:50:14
Residential care for the elderly is being featured for a month on BBC Radio 4. There are so many aspects to it that I wonder what the overall focus will be. One major concern is the cost of care and how it should be met.
Like many, I have been directly involved in arranging care for an elderly relative and being supportive to a family member who had to deal with similar issues. One is in Scotland and one is in England. Finance is a major concern.
I live in Scotland. It is being touted that personal care for the elderly is free. It is not. There is some assistance with it, but it is not free. Like everywhere else, care is means tested. Let's consider some of the arrangements that pertain in Scotland, England and Wales.
Scotland; if personal care is claimed, there are two levels. To get the second and higher amount of £175 per week, the condition of the person needing care, has to be what should be a total hospital care responsibility and you have to prove your claim. The lower level, more commonly paid is, £145 per week.
In England, the point above compares with trying to obtain nursing fees; it is a battle to get anyone to agree the condition of an individual requiring that level of care as the local NHS Trusts do not want to pay the costs.
Again, in England, if the resident is self-funding, the Attendance allowance is kept. If not, the Attendance Allowance is paid to the residential or nursing home.
I have not yet researched the above point with the Welsh experience.
However, when a claim in made in Scotland for the personal care allowances, at whichever level, the first thing that disappears is the attendance allowance, assuming that the benefit has been received. The higher level attendance allowance is about £62. That is a financial off-set for the government against a personal care allowance for someone in residential care. Therefore, £145 less £62 = approx £83 per week. It is just £20 or so, higher than the attendance allowance.
I have no objection to sacrificing the attendance allowance, but it should be remembered it is an offset against the allowance, rather like a tax deduction and leaves a cash benefit of approximately £20 per week extra. The savings allowance threshold will further off-set that sum for the government, (see below).
The financial off-sets do not stop there. The maximum savings threshold a Scot may hold from which no further deductions are accounted against, is £20,000. In England the savings threshold is £22,000 (when I last looked at the figures); in Wales, the savings threshold is £23,000.
Savings Allowed
England £22,000 Wales £23,000 Scotland £20,000
There are no plans to increase the savings threshold for the Scots, even though the question has been raised in the Scottish Parliament.
I leave you to figure out what 'free personal care means'.