Social health expert, Mario Ambrosi, spoke to Express.co.uk about the burning issues in the care industry at the moment. Mr Ambrosi is the director of communications for Anchor Hanover, England’s largest provider of older people’s care and housing. The health expert issued a prophetic warning that the whole care system needed “fixing” soon because a “potentially much larger group of people” are going to rely on the state in the future.
Mr Ambrosi told Epress.co.uk: “This is what the current system is based on.
“When you need care, if you’ve got more than £23,000, including the value of your house, then it’s down to you to pay for your care.
“So for large numbers of people, they have to sell their home in order to fund their care.
“That’s not an ideal solution.”
He continued: “But it’s even more challenging if you don’t actually own a home, because where is the money going to come from?
“So potentially you’ve got a much larger group of people coming through who are going to be expecting the state to fund their care because they simply don’t have a housing asset.
“This is why this whole system needs fixing.”
“Not simply for the older people of today, but for the older people of tomorrow.”
Currently, if a person’s capital is above £23,250 they’re likely to have to pay their care fees.
If their capital is under £23,250 they might get some help from the local council, but may still need to contribute towards the fees.
If the local council is arranging a care home, a means test will be done to decide how much the person should pay towards it, and this may take into account the value of a home.
A means test is a financial assessment where the local council calculates how much one may need to pay towards the cost of one’s care.
The means test will look at capital and income, such as savings, property, investments, pensions and any benefits a person is eligible for, even if they’re not claiming them.