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A £75k cap would only cover "standard-rate care" costs for people with high care needs.
Potentially it could prevent the need of someone going into more formal care; people can live here with quite high care needs".
But an analysis by the King's Fund thinktank suggests the measure is likely to raise £800m at best, and in a joint letter to the Guardian this week the fund and the Nuffield Trust, another NHS research body, warned that deprived areas with high care needs would benefit least because of their low council tax bases.
Not only are people unable to predict their future care needs and to plan for them, or pool risk through insurance products (Commission on Funding Care and Support, 2011), but those who do develop high care needs in older age (such as people living with dementia) are penalised twice.
But access is rationed to people with high care needs.
Reimbursement schemes in intensive care are more complex than in other areas of healthcare, due to special procedures and high care needs.
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However, a significant interaction between institutional care and high care need level was found, providing evidence of the combined effect of the two covariates.
The other aspect of course is that most councils will only provide care packages for people who have substantial or higher care needs (this also being a recommendation of the Dilnot Commission) leaving people with low or moderate care needs to rely on family and friends, pay for it themselves or do without.
Certainly, the highest URBs are associated with the highest care needs level.
Another study reported that LTCI clients with higher care needs used the VNS more [ 10].
The clients who have higher care needs are more likely to use more services.
More suggestions(18)
substantial care needs
intensive care needs
secondary care needs
high dependency needs
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high office needs
high street needs
high prevalence needs
high energy needs
high care residents
high care standards
high care hazards
high training needs
high care costs
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com