{"id":50954,"date":"2021-09-10T16:28:00","date_gmt":"2021-09-10T15:28:00","guid":{"rendered":"https:\/\/blogs.bmj.com\/bmj\/?p=50954"},"modified":"2021-09-14T16:07:59","modified_gmt":"2021-09-14T15:07:59","slug":"natasha-curry-the-health-and-care-levy-is-social-care-fixed-now","status":"publish","type":"post","link":"https:\/\/blogs.bmj.com\/bmj\/2021\/09\/10\/natasha-curry-the-health-and-care-levy-is-social-care-fixed-now\/","title":{"rendered":"Natasha Curry: The health and care levy\u2014is social care fixed now?"},"content":{"rendered":"

Excitement this week about the unveiling of the long-awaited <\/span>plan<\/span><\/a> to fix social care in England quickly gave way to consternation when it was revealed that health would get the bulk of the cash. Social care is set to get just \u00a35.4bn of the anticipated \u00a336bn, spread across three years.\u00a0<\/span><\/p>\n

Setting aside the debate about national insurance, the proposals for how the money is to be spent have also divided the social care crowd. Those with glasses half full have hailed a good start. The camp with half empty glasses have been left feeling severely short-changed.<\/span><\/p>\n

What\u2019s the plan?<\/b><\/p>\n

Surprisingly for something said to be ready in <\/span>July 2019<\/span><\/a>, it provides scant detail. A white paper\u2014promised \u201clater this year\u201d\u2014will hopefully offer more, but for now we know that plans centre on: a cap, a floor, some workforce support, and changes to fees paid to providers.\u00a0<\/span><\/p>\n

Capped costs<\/b><\/p>\n

The headline act was the much-anticipated cap on care costs which will see no one spend more than \u00a386,000 on care over their lifetime. First proposed 10 years ago, the idea is not new, but the level at which the cap is set is approximately double that in the original <\/span>Dilnot<\/span><\/a> proposals. While the new cap may offer some certainty to the estimated one in seven who face catastrophic costs, it will do little to assist the other six.\u00a0<\/span><\/p>\n

As the cap will take effect in October 2023, costs incurred up until then will not count. Another detail to note is that spending on “hotel” costs (bed and board) in residential care are not included in the cap. If you were in your own home you would incur costs for food and power, and so it is thought reasonable to expect people to pay. This means that people will have to find the money for these costs (which currently vary regionally and by care home) on top of their \u00a386,000 care costs. The government\u2019s primary intention to stop people selling their homes may not be realistic for many.<\/span><\/p>\n

Furthermore, only \u201cpersonal care\u201d costs will be covered by the cap. This is usually <\/span>a narrow set<\/span><\/a> of services centred on the basics of existing: dressing, washing, eating, using the toilet, moving from bed to chair. Many people of all ages draw on social care because they need support to use public transport, go to work, or socialise. The eventual definition of \u201cpersonal care\u201d will be crucial to determining whether it helps people to live or merely exist.\u00a0<\/span><\/p>\n

Raised floor<\/b><\/p>\n

The lesser-known, but arguably more significant, support act to the cap is the \u201cfloor\u201d\u2014the level of savings and assets an individual can hold onto and still be eligible for council-funded care. The current paltry \u00a323,250 level (above which you\u2019re left paying for <\/span>all<\/b> your care) has been raised to \u00a3100,000. People with assets and savings below this upper threshold will be able to approach their council for funding. When someone\u2019s assets and savings fall below \u00a320,000, full council funding may kick in\u2014between the lower and upper levels, it is assumed council support will taper as it does now. The existing requirement for people even with means below \u00a320,000 to contribute from their income remains.\u00a0<\/span><\/p>\n

While the raising of the floor offers potential for more people to access council funding, it will not necessarily guarantee it. As now, it will depend on what type of care councils decide to fund and at what level of severity. Over the last decade, <\/span>council cuts<\/span><\/a> have inevitably seen funding increasingly targeting people with the very highest needs\u2014leaving many with few means and moderate needs unable to access council funding.<\/span><\/p>\n

Workforce support and provider fees<\/b><\/p>\n

The only defined allocation is \u00a3500m for workforce development. Investment in training and wellbeing is desperately needed, but this pot does nothing to address the immediate <\/span>issues<\/span><\/a> of low pay and poor contractual conditions which, along with the impact of mandatory vaccines, Brexit, and new immigration rules, are leaving posts unfilled and providers struggling to provide safe care.<\/span><\/p>\n

Finally, plans to tackle the problem of councils paying providers unsustainable fees (which sees providers unfairly charging people who pay for themselves more to make ends meet) recognise that the <\/span>fragile market<\/span><\/a> of provision needs shoring up. The effectiveness of these changes largely depend on councils having enough money to fund higher fees that will now additionally have to absorb the increased NI costs. The document states that councils will be required to shoulder additional costs through \u201cappropriate local level mitigations.\u201d <\/span>Cuts<\/span><\/a> to budgets, along with covid-19, have left council finances in a <\/span>precarious<\/span><\/a> state and many will struggle to raise extra money from local sources.\u00a0<\/span><\/p>\n

Is social care fixed?<\/b><\/p>\n

There is one thing that everyone is likely to agree on and that is that the package presented this week falls short of the comprehensive reform that social care so badly needs. The new revenue stream offers hope of longer-term sustainable funding being possible in future, but only if the cash can be wrestled back from the NHS. The sums promised so far look modest in light of what they are intended to deliver.<\/span><\/p>\n

Social care suffers from deep structural issues that cannot be fixed by money alone. These proposals simply tinker around the edges of the existing broken system and offer little guarantee that more people will be able to access care. Moreover, the government missed an opportunity to build support around an ambition for a fairer, more sustainable, and better social care system that seeks to improve people\u2019s lives.\u00a0<\/span><\/p>\n

Natasha Curry<\/strong>, deputy director of policy, Nuffield Trust.<\/em><\/p>\n

Competing interests<\/strong>: none declared.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Excitement this week about the unveiling of the long-awaited plan to fix social care in England quickly gave way to consternation when it was revealed that health would get the […]<\/p>\n

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