The government's £75,000 long-term care (LTC) cap is too complicated and "discriminates against self-funders", according to one adviser from charity Independent Age.
Garry Macdonald, a guest on a BBC Moneybox Live show which aired yesterday on Radio 4, argued that the £75,000 cap, which will be implemented in 2017, discriminates against self-funders because it will only pay costs equivalent to the average in the recipient's borough.
"[The government is effectively saying] we can provide care for you if you choose a place at the standard rate for a care home. If you choose a care home that is £100 more, that extra £100 will not count towards you reaching the cap," he said.
The cap came in for more criticism when the panel began to discuss what it actually covers.
BBC presenter Paul Lewis described the government's proposals as "ridiculously complicated" and a second guest, Lisa Morgan, described 'social care', the only part of care that qualifies for the cap, as "difficult to define."
"She said, social care is different from board and lodgings and nursing care. It will cover things like assistance, toileting, washing, dressing and mobility health costs, but the definition is not exact," she said.
She explained that there is an additional nursing allowance of £100 a week paid by the NHS.
She also explained that the social care eligible for the cap will be minus board and lodgings.
"The government plans to set a second cap of £12,000 for board and lodgings and it will pay anything over this," she said.
A third guest on the show, Brian Tabor, owner of advisory firm Care Matters, said that most people would need to be in care for between five and seven years on current calculations before reaching the £75,000 cap, while Lewis pointed out that most people spend just four years in later-life care.
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