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Call for separate funding model for ‘later life’ adult social care to save it from ‘brink of collapse’
Adult social care funding should be separated into two pots for working age adults and those in later-life and paid for via distinct models, an independent think tank has said. State funded care for people in later life -
defined as those at retirement age or older – should be funded via new social insurance scheme where ‘individuals contribute to a pooled, privately-managed and invested Later Life Care Fund,’ Re:State said in a new report. The scheme would be mandatory for
people aged 34 and above to ‘contribute 1.8 per cent of their pre-tax income (above a minimum income threshold of £6,240, the lower earnings threshold for pensions auto- enrolment) to the nationallevel Fund, every year until they retire,’ the report said. It added that the fund ‘would be invested
over time, with an explicit mandate to maximise returns, then used to fund state-funded later-life social care for the contributing cohort’. People of retirement age or older would receive state-funded social if they passed
a local authority needs assessments based on ‘national standards’ and ‘has met the contributory requirements during their working life,’ the report adds. The report’s authors’ Alice Semark and Dr
Simon Kaye call for a new ‘social insurance’ model comes as the Independent Casey Commission on Social Care works towards making recommendations to underpin delivery of the governments’ manifesto National Care Service commitment. They say the new model is ‘desperately’
needed as the ‘adult social care system is on the brink of collapse’, and the current funding system is ‘failing’ at ‘every point in the system, and for many involved.’ They write: ‘It is no secret that England’s
adult social care system is in crisis. Chronic underfunding, regional disparities, and distributive unfairness plague the system, undermining the accessibility and quality of care services. ‘This crisis is only accelerating in the
face of an ageing population and the growing cost of delivering care. Given such enormous complexity, this is a model in need of foundational transformation, not the tweaking of past decades,’ they add. Commenting on the report, the Social Care
Institute for Excellence policy, research, and partnerships director, Deborah Rozansky, who was also interviewed for the report, said the report is a “valuable starting point” and called for the Casey Commission to fully evaluate all funding option, and embed its findings in a broader, robust plan for change”. “It is an inescapable truth that we need an
open and honest conversation about how we fund our adult social care system. Local authority budgets have not kept pace with demand, and every year, more people are forced to self-fund their care she added.
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