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Considering Insurance Scheme for Care Needs

This is part 2 of the previous blog, so read that now if you haven’t. We established that individuals and Government have a responsibility to provide care.

The Coalition Government have created a commission to look at the funding of care and support in England. A chief consideration will be creating either a mandatory or voluntary insurance scheme whereby you pay in advance of having care needs and the policy will cover the costs of your support needs that are not met by the Government’s contribution.

So, I pay £20 p/m and then when I’m 75 and need support to live at home or residential care, my insurance company will cover the costs (let’s assume reasonable insurance companies for this blog’s purpose). Sounds simple.

But what if my wife (this isn’t a public proposal Mum) decides that she would like to care for me and doesn’t care that the insurance wouldn’t pay her to do it? We’ve just paid all that money for no reason. This could lead to two things:

1. Fewer people provide care because they feel as though the insurance company, or Government if it is publicly run, should pay for all care

2. People don’t pay for insurance because they expect to receive family provided care

Let’s start with the first scenario. Fewer people caring increases demand on paid care, pushing up costs of the system. This is bad news for a Commission that is trying to create a more sustainable system because of projected funding gaps. If carers currently provide £87bn worth of care, the system could very quickly become completely unsustainable if families stop caring.

But the second scenario doesn’t look good either. This would increase the demands on families to provide care when we already know there is too much pressure on them currently.

The solution to overcome these problems must encourage and account for families who are providing care.

There is no way of knowing how much informal care you will receive whilst paying your insurance, which is generally before you have support needs. So the only way to recognise the caring contribution is by giving rebates to families when they are providing care.

Does this solve the problem? Not quite. How much do you decide to give them?

It’s another ‘to be continued’ as the next blog will look at this question.

Till next time, take care

Gordon

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August 16, 2010 - Posted by | Big Society, Carers Strategy, David Cameron | , , , , , , , ,

5 Comments »

  1. Lets call this spade a spade.it is a commission for cuts to CARER support. This present government is made up of people who wholly and without reservation supported THATCHERITE policies and they are continuing these policies today.

    THIS COALITION GOVERNMENT CARES NOTHING FOR THE DISABLED – CARERS AND IS ONLY SEEKING CUTS TO SUPPORT THESE GROUPS AND TO TOTALLY UNDERMINE CARERS. THE CHIEF ARCHITECT IS MR CAMERON AND THE CONSERVATIVE PARTY WHO ONLY CARE ABOUT THEMSELVES AND THOSE WITH MONEY AND POWER.

    AGAIN I SAY TO CARERS LET NONE OF US FORGET HOW WE HAVE BEEN ABANDONED BY THIS GOVERNMENT AND PAY THEM BACK AT THE NEXT GENERAL ELECTION,WHICH I PRAY WILL NOT BE TO LONG IN COMING.

    Comment by Taras Kurylak | August 16, 2010 | Reply

  2. I agree with you Gordon that the Insurance Scheme could present many problems and you outlined them very well for us.

    Your mention of rebates for families who choose to care for their own loved ones could be workable if the amount was fair, but there lies the problem!

    Not until one becomes a Carer do you realise exactly how your life changes for ever – I certainly didn’t until I started caring for my elderly Mum. I feel it is grossly unfair that carers are still having to fight so hard for the resources to enable them to Care and Care well, and not suffer financially, physically and emotionally through the experiencing of Caring.

    I know we are being recognised more for doing a valuable job, but I personally, and I am sure many others feel the same, that I am still invisible in the eyes of many people. None of us want to feel ‘taken for granted.’

    I sincerely hope this Government improves out situation now, and makes fair, workable decisions for the future of Care.

    Comment by Anne Yavary | August 16, 2010 | Reply

    • Hi Anne and Taras
      I think most agree that the current social care system does take carers for granted, certainly to an extent. Most hope that the Commission will create a system that will improve circumstances for people receiving support and their carers, and there is the opportunity for this to happen.

      You will hear people say we want a ‘fair’ system but what is fair to one person, can be unfair for another. I think we may have to concentrate and agree on what would make it ‘fairer’ even if still not as fair as all of us individually want.

      The Comprehensive Spending Review on Oct 20th will decide a lot for carers in the next five years. We need MPs to feel pressured from their constituents that there must be strong support for carers in that so they can lobby Government. Local authorities received £256m as a Carers Grant in 2010/11 – that must remain and cannot be cut.

      Gordon

      Comment by Gordon | August 17, 2010 | Reply

  3. Very appropriate to choose the best insurance for our life and family care. However, high levels of concern in our lives and improve care of the family is most important to do it yourself.

    Comment by proinsurance.tk | August 20, 2010 | Reply

  4. […] recently repeated the idea of redeeming credits against future social care costs in my blog on “Considering Insurance Scheme for Care Needs” as well. So, all very […]

    Pingback by Is Government Considering Credits for Carers? « CarersBlog | November 1, 2010 | Reply


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