Campaign reply - I need your help protecting the care cap - vote on Weds 30 March

Thank you for contacting my office. I very much appreciate you getting in touch about the Government's social care reform plans.

I am proud to support a Government committed to facing up to difficult decisions and tackling longstanding problems within our social care system. This historic plan for adult social care will protect individuals and families from unpredictable and potentially catastrophic care costs.

From October 2023, no eligible person starting adult social care will have to pay more than £86,000 for personal care over their lifetime. To be clear, the cap is not a target to be hit, but a backstop protection to ensure people have certainty and avoid catastrophic costs.

The reformed means test will separately increase the point at which people are no longer eligible for local authority support and at which they must meet the full cost of their care to £100,000. This is more than four times the current limit of £23,250 and the number of people receiving state support in the social care system will increase from around half to two thirds.

In designing these reforms, the priority has been the creating a more generous means testing system, which benefits those with low to moderate wealth. The nature of the means test will dramatically reduce the amount that less well-off users will have to spend on care. For example, someone who has £100,000 of assets would need to draw on care and support in a residential home for about ten years to spend the same amount as someone who entirely self-funds. Older adults have around a one-in-three chance of living in a residential home for three years and a one in 50 chance of doing so for ten years.

Only the amount that an individual contributes towards their personal care will count towards the cap, which ensures that those living in different parts of the country, but contributing the same amount, do not progress towards the cap at different rates because of differences in amounts paid by their local authorities. It is right that less well-off people in different parts of the country benefit to the same extent and that we do not see differences based simply on location.

The new social care reforms are clear, fair and reduce complexity. I am proud to support a Government that is seeking to significantly improve the sustainability and affordability of the provision of social care.

Once again, thank you for taking the time to write. If you require any further assistance, then please do not hesitate to get in touch.