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Options for financing private long-term care
- Author:
- JOSEPH ROWNTREE FOUNDATION
- Publisher:
- Joseph Rowntree Foundation
- Publication year:
- 2005
- Pagination:
- 4p.
- Place of publication:
- York
Long-term care provision in the United Kingdom has been the subject of much debate and analysis over the past decade, yet the issue of how to fund the cost of that care for future generations remains unresolved. Much of the debate has revolved around how the State should address the problem. As a consequence, the general public are unsure as to where their responsibilities and liabilities lie. There is a perceived unfairness around the current system which leaves significant financial responsibility resting with the individual above basic income and asset levels. Insurance plans designed to cater for the cost of care in later life have not been popular. As a result, most insurers have now withdrawn from this market.Investment-based plans have failed to maintain protection levels and have now also been withdrawn from the market. Annuities specially designed to fund care fees and which recognise reduced life expectancy do provide a solution for some, but access to advice at a time of crisis may be difficult. Equity release or lifetime mortgages are popular but are not being used as a way to fund care. The current pensions ‘crisis’ bears many of the same hallmarks as those relating to long-term care planning. As with the Pensions Commission Report, there does not appear to be one single solution to the problems surrounding long-term care. A combination of measures may be more likely to succeed.
Older people's views and experiences of resources in later life
- Author:
- JOSEPH ROWNTREE FOUNDATION
- Publisher:
- Joseph Rowntree Foundation
- Publication year:
- 2007
- Pagination:
- 4p.
- Place of publication:
- York
With increasing numbers of older people living longer, the future of their financial and service provision is a key policy concern, while poverty among the present generation of older people remains an important issue. This qualitative study, by the Centre for Research in Social Policy at Loughborough University, explores how older people use and value available resources, and how they had planned for retirement and are planning for future later life.
Ethnic minorities and their pensions decisions
- Author:
- JOSEPH ROWNTREE FOUNDATION
- Publisher:
- Joseph Rowntree Foundation
- Publication year:
- 2001
- Pagination:
- 4p.
- Place of publication:
- York
This study, by Steven Nesbitt and David Neary at the Department of Applied Community Studies, the Manchester Metropolitan University, looked at the ability of Bangladeshi, Pakistani and white men living in Oldham to make informed choices between alternative forms of second tier pensions provision. Attention was given to respondents' levels of knowledge of the alternative types of pension, the values underpinning their ideas on pensions and their expectations for retirement.
Involving older people in community care planning: findings
- Author:
- JOSEPH ROWNTREE FOUNDATION
- Publisher:
- Joseph Rowntree Foundation
- Publication year:
- 1994
- Pagination:
- 4p.
- Place of publication:
- York
'Older people' form the largest group of community care users but the term does not refer to a static group: older people move in and out of user status as health and care needs fluctuate. Little is known of their role in planning or evaluating care provision. A report from the Social Policy Research Unit reviews practical initiatives seeking to involve older people.
Future costs of long-term care for older people
- Author:
- JOSEPH ROWNTREE FOUNDATION
- Publisher:
- Joseph Rowntree Foundation
- Publication year:
- 2004
- Pagination:
- 4p.
- Place of publication:
- York
Long-term care spending in the UK would need to rise by around 315 per cent in real terms between 2000 and 2051, to meet demographic pressures and allow for real rises in care costs, if dependency rates, patterns of care and funding arrangements remain unchanged. On this basis, spending on long-term care would need to increase from about 1.4 per cent of GDP in 2000 to around 1.8 per cent of GDP in 2051, assuming a real increase of 2.25 per cent a year in GDP. This projection of 1.8 per cent of GDP in 2051 using the 2002-based official population projections updates an earlier projection of 1.6 per cent of GDP in 2051 using the 2000-based population projections. These projections are sensitive to assumptions about trends in life expectancy, dependency rates and real unit costs of care, as well as changes in patterns of care and funding systems.Public expenditure on long-term care is projected to reach around 1.2 per cent of GDP in 2051 under current funding arrangements and around 1.5 per cent of GDP in 2051 under a policy of free personal care with an assumed 25 per cent increase in demand for domiciliary services. The share of total long-term care costs met publicly is projected to be almost 80 per cent in 2051 under a policy of free personal care, as against around 66 per cent under current funding arrangements.
Planning for older people at the health/housing interface
- Author:
- JOSEPH ROWNTREE FOUNDATION
- Publisher:
- Joseph Rowntree Foundation
- Publication year:
- 2000
- Pagination:
- 4p.
- Place of publication:
- York
Housing issues are of fundamental importance to the health and independence of older people. Previous research projects exploring the views of older people living in their own homes have revealed their needs for housing services. However, this analysis of community care plans and Director of Public Health reports in three health regions found they made little provision for such services. The plans reviewed were from the year 1996/7; this was before the advent of Primary Care Groups but at a time when, in some of the areas studied, GPs were already administering 30 per cent of the Health Authority budget. Presents the findings.
Integrating user involvement and multi-agency working to improve housing for older people: findings
- Author:
- JOSEPH ROWNTREE FOUNDATION
- Publisher:
- Joseph Rowntree Foundation
- Publication year:
- 1997
- Pagination:
- 4p.
- Place of publication:
- York
This study looked at problems of assessment, information provision and planning in the housing system for older people. It then involved stakeholders in designing improvements, focusing on the integration of user involvement and multi-agency working into an innovative planning and management system.