Care of the elderly

The current model is to assist our elderly population to stay at home for as long as possible. Some of this has been generated by cost implications of what is seen as ‘too early residential care / sheltered accommodation’. This has produced a picture where elderly people are being ‘admitted’ to residential care in what can be described as requiring a nursing care environment / specialist psycho-geriatric care environment – they have been ‘kept at home for too long’. Thus placing a huge strain on our residential  homes, who in reality are not, nor should they be, geared for this kind of care.

 

This care of the elderly model requires revisiting and reassessment. Could it be better, and more effective use of resources to move back to ‘early residential elderly admissions’? At least partially. Resources are more focused and effectively used at our residential homes.

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Why the contribution is important

Care of the elderly

by GavinIOMGov on April 12, 2017 at 03:48PM

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  • Posted by madeleine April 12, 2017 at 16:35

    The Island may like to look at the arrangements that take place in Jersey.
    Essentially, adults pay into a long term health care fund and the Government contributes too. Those not working do not contribute but can still draw from the fund.

    Long term care 2016 detail calculation pdf.

    Long-term care contributions
    How much you pay
    How your contribution is collected
    Where your contribution is going

    Long-term care contributions
    A long-term care fund has been set up to help those who need long-term care.

    Every insured person who pays income tax pays into the long-term care fund with a long-term care contribution.

    If you're not liable for income tax, you won't have to pay the contribution but you can still get support from the fund for your long-term care costs.

    The States of Jersey will also contribute into the fund each year.

    Long-term care scheme: benefits

    How much you pay
    If you have a tax bill then you will also have a long-term care contribution to pay.

    The maximum long-term care contribution rate started at 0.5% (2015) of your total taxable income and then increased to 1%, but most people will pay less than this.

    This works in the same way as income tax where the standard tax rate is 20%, but most people pay less than 20% tax on their annual income.

    Your contribution is based on your total income but will take into account the allowances and reliefs you benefit from for tax.

    Marginal relief calculation of personal tax

    Examples comparing the maximum contribution with the actual amount after deductions are taken into account

    ​Household ​Income ​Maximum long-term contribution (0.5% in 2015 and 1% in 2016) ​Actual long-term care contribution per year Actual % of total income​
    ​Single £​16,000​ ​2015 ​£80 ​2015 £13​ ​0.08%
    ​2016 £160​ ​2016 £23​ ​0.15%
    ​Single ​£30,000​ ​2015 ​£150 ​2015 ​£104 ​0.35%
    ​2016 ​£300 ​2016 ​£205 ​0.68%
    ​Single ​£50,000​ ​2015 ​£250 ​2015 ​£234 ​0.47%
    ​2016 ​£500 ​2016 ​£465 ​0.93%
    ​Single​ ​£70,000 ​2015 ​£350 ​2015 ​£350 ​0.5%
    ​2016 ​£700 ​2016 ​£700 ​1%
    ​Married / civil partnership​ £30,000​ ​2015 ​£150 ​2015 ​£20 ​0.07%
    ​2016 ​£300 ​2016 ​£35 ​0.12%
    ​Married / civil partnership £50,000​​ ​2015 ​£250 ​2015 ​£150 ​0.3%
    ​2016 ​£500 ​2016 ​£295 ​0.59%
    ​Married / civil partnership £70,000​​ ​2015 ​£350 ​2015 ​£280 ​0.4%
    ​2016 ​£700 ​2016 ​£555 ​0.79%
    ​Married / civil partnership £120,000​​ ​2015 ​£600 ​2015 ​£600 ​0.5%
    ​2016 ​£1,200 ​2016 ​£1,200 ​1%
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