I understand concerns about this matter, however, financial support is available from local authorities on the basis of a means test to help those who cannot afford to pay the full cost of their care. A person's contribution to their care costs is calculated on the basis of a financial assessment according to the charging rules under the Care Act 2014. https://www.england.nhs.uk/ourwork/part-rel/x-border-health/xb-faq/
Where someone can afford to pay for their care we are clear that they should not be forced to sell their home during their lifetime to do so. That is why the Government legislated to make deferred payment agreements available across England for people with less than £23,250 in liquid assets who might otherwise face that risk. By entering into a deferred payment agreement, a person can 'defer' or delay paying the costs of their care and support until a later date, including out of their estate if they choose.
Additionally, we have committed from April 2020 to introduce a cap on care costs that will limit the amount anyone will have to pay for care to meet their eligible needs. This will provide protection for those who face the highest costs and peace of mind for everyone.
Alongside this it will also extend financial support so that more people will qualify for help with their care costs even before they reach the cap. The Government is also working with the financial sector to explore what more can be done to support people to plan and prepare for care costs.
