This has bred some assumptions among those who have not yet called upon it themselves. I say “not yet”, for with greater life expectancy we may all find ourselves in need of care in some form. And with social care so much on the public agenda, I have been surprised and sometimes angered at the lack of understanding of what it can actually mean.
Many people – not just laymen, but politicians and pundits who issue statements and make policy – appear to have in mind the milder end of the spectrum: “service users” who are merely frail and perhaps isolated, who need someone to shop for them, cook a hot meal, and help with household chores and mobility issues. This is the section of society that might well benefit from a bit more neighbourly support, as suggested by former Care Minister*, Norman Lamb.
But at the other end of the scale are those with severe long-term or degenerative physical or mental conditions, who need 24-hour supervision in a secure environment; who may have challenging behaviours; and who ultimately need help with eating, drinking, intimate personal hygiene and continence – everything, in fact. Few people who have not seen this first hand truly grasp how all-consuming it can be.
My 90-year-old mother never asked for care, because she didn’t believe she needed it. She still doesn’t. But she has dementia, a syndrome of degenerative disease which has been gradually claiming her mind and her faculties for upwards of a decade. Lack of insight is often a feature of such cognitive disorders – she simply doesn’t recognise her own inability to take care of herself.
Over the years, I assumed responsibility for all aspects of her daily life: finances, admin, shopping, cooking, cleaning, laundry, household maintenance, appointments with doctor, dentist, optician, chiropodist and hairdresser, even keeping up contact with her friends. I did everything I could to keep her safe and well in her own home. But it wasn’t enough.
Loss of short-term memory eventually robbed her of the ability to complete even basic tasks unaided, such as making a cup of tea or washing her hands, as well as capacity to follow instructions or reminders. It made her feel constantly abandoned, because she couldn’t imagine the proximity of anyone out of sight and had no sense of time to recall when they were last there.
The simplest technology - telephone and Aid-Call alarm - became a mystery to her, meaning that she couldn’t call for help in emergency. Unable to interpret hunger pangs, remember there was food in the fridge, or know what to do with it, she forgot to eat. And when she stopped recognising the house where she had lived for 40 years, I knew that she needed round-the-clock care that I could no longer provide alone. It was a decision I had dreaded all my life; but it was the only way left to protect my mum – the worst thing I have ever had to do.
So when I hear talk of families supposedly "shunting their relatives into care" and “expecting the state to take their responsibility”, I just wish those who think it’s easy could know how it feels, and the long, long road to that point - and indeed the plight of those who have no family to support them in the first place.
Bad enough to go through all this, without also having to make complex funding arrangements at such a stressful time. At present in England, if the person needing care has less than £23,250 in assets, including their home, they are notionally eligible for funding – if they are deemed to qualify in terms of care need.
However, this qualification is far from straightforward and varies between different local authorities; assessment can be a lengthy and hugely bureaucratic process. Even those deemed to qualify may only receive part funding, if their assets fall between £23,250 and £14,250.
Those with assets above £23,250 receive no funding at all. This effectively means that anyone who owns their own home will have to find 100% of the costs for their care – which in residential settings can be well over £1,000 per week. (Local authority rates for the same care, in the same home - tariff set according to how much funding the authority receives from central government and council tax - may be less than half this, but self-funders have to pay private rate. Self-funders subsidise local authority care places on average by 43%.)
And as many of us know (but politicians and economists don’t seem to credit), assets are not the same as ready cash. For most people, their home is their major asset; and if they are incapacitated, they are hardly in a fit state to negotiate its sale and clearance. This usually falls to family, who may also have to conceal the distressing news.
For some who cannot instantly raise the necessary funds, deferred payments may be available (countrywide since April 2015), meaning that the local authority will pay care fees at the time, with costs being reclaimed from the person’s estate after their death. However, such agreements also require a lengthy and complex application process, which may be impossible to complete (or even instigate) before a person needs essential care.
It’s said that bereavement and moving house are two of the biggest traumas in life. Well, dementia is an ongoing bereavement; and in order to meet care costs, many of us have not only to settle our relative in an unfamiliar and undesired environment, but at the same time to organise disposal of the family home – the last vestige of those precious lifetime memories that can no longer be shared.
As an only child with no partner or children, I had to do this alone. It took me the best part of two years of back-breaking, heart-breaking work.
But what about the government’s long-awaited response to the Dilnot funding report – its proposal to cap the cost of social care to the individual at £72,000?** Health Secretary, Jeremy Hunt, has said it means that “no-one will have to sell their home in their lifetime to pay for residential care”. Does it? No.
Firstly, note the qualifying phrase “in their lifetime” – an acknowledgment that most people will not be able to find £72K without selling their property. Universal deferred payments would at least allow those who qualify (and who know how to apply) to pay after their death, but the £72K cap itself will now not be implemented until at least 2020 (if ever)**.
Even if it comes into operation, those who have already paid this amount or far more, will not be exempt from charges; the fiscal clock won’t start ticking until the legislation comes into effect, with no back-dating – whatever you’ve spent to date, the dial goes back to zero and you still have to pay another £72K before the state picks up the tab. And that’s only crossed off at their end according to the minimum local authority rate – if you are paying a higher private tariff, it could take twice as long (and far more actual cash) to reach that cap.
Plus you will still have to pay "hotel costs" - board and lodging (as distinct - how? - from "care"), up to about £12,000 p.a.
That’s an awful lot of people already in care homes (or receiving paid care at home), and those who will go into care before 2020**, who will still have to sell their homes and pay maybe far in excess of £72K just to be safe, secure, fed, watered, bathed, dressed, and helped with continence issues – simple things that most of us take for granted every day. With the average stay in residential care being two years, most of those will die before reaching the cap and becoming eligible for any state help. To put it bluntly. And the government knows this.
But shouldn’t those with assets rightly fund their care, even at such punitive levels, you might ask, when there’s so little public money to go round?
One argument is that sale of the family home is fair game, because the person “doesn’t need to live there any more” and “it’s just about the children’s (unearned) inheritance”. This equation of assets and costs may look straightforward on a balance sheet. But it’s not just a question of accounting; it’s people’s lives – and conditions such as dementia don’t affect one person in isolation.
Many, like me, have already given their main earning and child-bearing years to looking after their loved ones, before conceding them to paid care – and then share huge financial penalty, on top of the pain of seeing their relative’s decline and shouldering the practical and emotional burden of dismantling the home that represents their shared life.
If you say, “well, tough”, and still hold the principle that those with means should pay full cost for services because it's simply "fair", why apply it only to the old, the frail, and long-term disabled who need “social care”? To play devil’s advocate, why shouldn’t other relatively wealthy people pay for things that are now part of public service provision? Education? Routine healthcare? Elective treatments, such as IVF?
It may surprise you to know that even those with dementia in end of life nursing units, bed-bound, doubly incontinent, 100% dependent on help for eating, drinking, continence, mobility, and all other aspects of their existence do not necessarily qualify for NHS Continuing Healthcare funding, which is supposed to care for those with severe needs - because dementia is not in itself treated as a terminal illness, whose chronically debilitating symptoms are due to disease, but as "social care", which is conveniently excluded from the NHS ring-fenced budget.*** (CHC funding is assessed under a number of domains that rate the practical impact of health needs on behaviour, risk to self and others, ease/difficulty of management by care staff, and the complexity of interaction between those domains - with aggressive, disruptive, and unpredictable behaviours attracting higher scores.) And even those who do qualify may still be charged more than 40% in top-ups by the care provider under guise of "lifestyle choice", even though this is technically illegal under NHS rules (see last point under FAQs on that link).
What’s the difference between hospital treatment and residential care in terms of immediate, practical need to keep a person alive and well? None. Yet one is fully funded at point of need and the other is not.
I agree that it’s reasonable to make some contribution for long-term care, if you can afford it. Those like my mum are lucky to have enough savings to provide some choice of care, when others struggle to secure even basic public funding.
But at A&E you are not asked for cash up front before receiving treatment, not told to sell your house to pay for chemotherapy or dialysis; for those with long-term, degenerative conditions, residential care can be just as urgent and essential. It is not a lifestyle choice.
* Norman Lamb was Care Minister in the Con-Dem coalition government to May 2015.
** On 17 July 2015, it was announced that the Care Cap would now be "deferred" until 2020 - effectively shelving it. Some may consider it was/is never intended to be implemented at all…
*** This point added in July 2015.
And read my hypothesis of why women are hit hardest - socially, professionally, and financially - by the current social care system.