William Eichler 18 December 2017

Pensioners face care home funding ‘lottery’

Pensioners face a care funding lottery, insurance company warns as FOI requests reveal ‘huge variation’ in how care homes are funded.

The mutual insurer Royal London sent freedom of information inquiries to 150 English councils with responsibility for funding social care and has received information from over 125 to date.

They discovered there was ‘huge variation’ in the amount local authorities were willing to pay towards care home costs and the extent to which people had to ‘haggle’ with their council to get a good deal.

Royal London identified three different approaches taken by local authorities to funding care.

One third of councils had a fixed ceiling for care home funding which they will not exceed regardless of actual care costs. 

Around half of the respondents had a limit which they routinely breached and the remaining councils said everyone was treated on a case-by-case basis.

Commenting on the findings, Steve Webb, director of policy at Royal London said: ‘We have uncovered a disturbing patchwork of support for people needing residential care, which varies hugely depending on where you live. 

‘The most worrying variation is the extent to which residents are expected to haggle with the council in some parts of the country. Whilst responding to individual needs and circumstances sounds like a good thing, it is very likely that older people who have vocal family members to support them will be able to strike a better deal. 

‘Local authorities must be very careful to ensure that they do not take advantage of the poor bargaining power of vulnerable elderly people, leading them to accept the cheapest care provision rather than the most suitable.’

SIGN UP
For your free daily news bulletin
Highways jobs

Property Management Officer

London Borough of Richmond upon Thames and London Borough of Wandsworth
£38,976 - £47,229 per annum
Job Title
Recuriter: London Borough of Richmond upon Thames and London Borough of Wandsworth

Social Worker

London Borough of Richmond upon Thames and London Borough of Wandsworth
£38,976 - £52,767
Social Worker£38,... London
Recuriter: London Borough of Richmond upon Thames and London Borough of Wandsworth

Registered Manager - Children's Home - WMF2945e

Westmorland and Furness Council
£51,356 - £52,413 (plus an additional market factor supplement of £7,842)
Are you looking for a role that offers more than just career progression? Dalton-In-Furness, Cumbria
Recuriter: Westmorland and Furness Council

AYSE Social Worker - WMF2956e

Westmorland and Furness Council
£34,434 - £35,512
Would you like to work in a positive, close-knit and supportive environment Barrow in Furness, Cumbria
Recuriter: Westmorland and Furness Council

Project Lead Capital Programme - WMF2951e

Westmorland and Furness Council
£47,181- £48,226
The Property Portfolio plays an important role in delivering capital projects Kendal, Cumbria
Recuriter: Westmorland and Furness Council
Linkedin Banner