the Dilnot Commission's report looks at reforming the funding system for adult social care. What does it propose, what does it mean? And what do you think? The key proposal: a social insurance model with an excess The centrepiece of the reform package is a proposal to share the costs of care in later life between individuals and the state, with individuals paying for their own care until they reach a 'cap', after which the state pays for their care. An individual's lifetime contributions towards their care costs are currently potentially unlimited. Dilnot proposes capping these somewhere between £25k and £50k (Dilnot suggests £35k), after which the individual is eligible for full state support.   This is a 'limited liability' model of social insurance – whereby those of us who can afford it and who have lived long enough to accumulate wealth, are expected to pay the 'excess'. On this basis, none of us will be expected to lose all our savings and assets in order to cover the 'catastrophic' costs of sustained high-level care and support (often in residential care).

More Support Needed For Severe & Enduring Mental Health Patients in Torbay.