This is an excellent, MUST READ article by Ros Altman, published on her blog. Check it out!
Dr Ros Altman an independent financial expert, having advised consumer groups, Government, corporations, trustees and the pensions industry.
When I read this article, the thing that struck me most was the lottery which old people face when confronted with serious health issues. On one set of issues, like cancer treatment, one turns to the NHS. However, on health issues like Dementia, one must turn to Local Authorities who are responsible for Adult Care. By and large, the NHS funds the required treatment; however, Local Authorities apply a means test and will expect you to sell or borrow against your family home. Regular readers of this blog will know that both I and my fellow blogger John Gelmini have been bitter critics of the NHS, arguing for radical reform or replacement. However, one of the founding principles of the NHS was universal care for everybody irrespective of class, wealth or income. Now we can see that it’s more like Russian Roulette, and if you have Dementia, you take the bullet in the chamber.
Dr Altman makes some useful proposals about savings products for social care but for me a much more radical solution is required.
Let me turn this to an open question:
- Cancer patients in London ‘let down’ by NHS trusts (london24.com)
- A hard look at long-term adult social care in UK – John Gelmini (dralfoldman.com)
- A Hard Look at How to Reform the UK’s NHS Effectively – John Gelmini (dralfoldman.com)
- UK Healthcare Reform: 25 Proposals Towards Real Effectiveness – John Gelmini (dralfoldman.com)
- Effective Reform of the NHS – John Gelmini (dralfoldman.com)
- When to stop throwing money at the UK NHS? – John Gelmini (dralfoldman.com)
- Why Dozens of Local Authorities are Collapsing in the UK – John Gelmini (dralfoldman.com)
- A Hard Look at the Implosion of UK Healthcare – John Gelmini (dralfoldman.com)
- Dementia-friendly communities can improve care and save money (theguardian.com)
- Understanding the UK NHS’s Terminal Cancer – John Gelmini (dralfoldman.com)