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Would you support the MPs call for over 40s to pay a social care premium?

The over-40s and rich pensioners should pay extra to help meet the cost of social care, according to a cross-party group of MPs.

A joint report from the housing, communities and local government and health and social care committees says the “social care premium” would help address the problem of an “unsustainable” system.

It says the money raised would be held in a dedicated and audited fund to reassure the public it would only be used to provide social care.

Payments would start at the age of 40 and extend beyond 65, but a minimum earnings threshold should be considered to protect those on low incomes.

What are your views? Would you support the MPs call for over 40s including “better off pensioners” to pay a social care premium?

Would you support the MPs call for over 40s including 'better off pensioners' to pay a social care premium?

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Happychops
27th Jan 2019
0
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I think from the day you start work, you should pay into a dedicated fund for future care,everyone should pay no matter what is earned just a small percentage of what you earn would be an equal way to do it. It should he guaranteed by the government that it would be only ever used for the care of people and a pledge should be made that the government would never use the fund for other things. Then the fund should have outside audits completed on a regular basis to see that it is managed in the correct way.
viking
20th Jul 2018
3
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The way that the "economy" is run in this country is rob Peter to pay Paul and this has been happening for at least the last 30 years.
On this basis, rob the money spent on failed projects such as runways for airports which are never used etc.etc.,Then tighten up on breast enhancement operations, gastric bands, nose jobs etc.etc., The freeloaders from overseas who default on their payments to the NHS for expensive operations.
Having done this get an outside accountant to see how things square up. Might find that things look far more rosy for this problem.
Onecott
9th Jul 2018
2
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I have paid a stamp & taxes since the age of 15 but my contributions are only counted from age 18
chateau42
7th Jul 2018
4
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Abolish the house of lords, reduce no. of parasites in the h of c, that should save enough
duchess56
7th Jul 2018
1
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Social care is and always has been part of the NHS. What happens to those under 40 who may be unfortunate enough to need social care. Do those over 40 have to pay this. I believe if more money is needed it should be done fairly, everyone should pay a little extra. Those whom are very well off already pay extra by paying their high taxes plus extra for private care. No I'm not wealthy, in fact the opposite, on a pension and probably going to have the one benefit I have stopped.
David46
14th Aug 2018
0
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Couldn't agree more. We pay taxes all our lives there is no justification for increasing them at a particular age.
RKE1861
6th Jul 2018
3
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I have always thought social care ought to be included in the NHS remit. The NHS is in the business of looking after peoples health, and the activities included in social care are about looking after peoples health. The current arrangements for social care and this fixation with fleecing the elderly of their life savings and property is quite frankly scandalous.
MillyB
5th Jul 2018
0
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Ridiculous! Totally agree with Billythequiche ( whoever that is)
Bit of common sense for a change!
Billythequiche
9th Jul 2018
1
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The name is my nickname from when I worked in a ready meal manufacturer'
Westminster
4th Jul 2018
2
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A large amount of NHS spending is on maternity services, and abortions. Why penalise the over 40s ?
ElainePeony
5th Jul 2018
0
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Sadly, you seem to not understand that we as a country need live births for people to be educated and be employed, pay Taxes, and fund the NHS and State Pensions, until us alive now die, and then the next wave get if an age when they die. It's a big circle...if there are not enough people working, like in Japan then there is no money for people in extreme old age...with respect, I suggest some research into demographic social funding would be useful kind regards.
Westminster
5th Jul 2018
1
Thanks for voting!
My point was that all age groups use the NHS, and it is wrong to penalize any particular age group. Of course we need live births, and that is why I am pro-life, and against abortion unless there are compelling reasons. Too many women use abortion as a form of birth control, because that is how it was in the country they came from.
It would benefit the NHS if we all had to pay towards prescriptions, as in Spain where everyone regardless of income has to pay 10% of the cost of their prescriptions.
There is so much waste of prescription medicines in the UK. When my mother died, I found a cupboard full of medicines never used, and friends have told me of similar experiences.
Still, all in all, it is good to still be around to say our piece.
Best wishes, Elaine
ElainePeony
5th Jul 2018
1
Thanks for voting!
Too right! I paid for my medicines through the prepaid certificate for 40 + years...asthma, etc..this was abou £100 ish a year and only when I got to Pensionable age I got the stuff free of charge, however, when working in my last years I paid NI Contributions of c. £656 PER MONTH!, so i am really pleased that my payments into the NHS and the State Pension fund then are coming back to me in little bits of worry free joy, like the mammogram I had today, and the asthma meds that were delivered to me at home this morning! How wonderful is that! Marvellous!
BUT how are we going to educate the public who believe their NI Contributions will pay for their Social Care? I am appalled by the ignorance of people who genuinely believe that their NI Contributions pay for their Social Care...which is NOT a medical need, and therefore not funded by the NHS...answers need to be requested from Clive Betts MP and his Committee who have not addressed the Public ignorance in this matter.
RKE1861
6th Jul 2018
0
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You could argue the same for the smokers who are given all sorts of things to stop smoking, or the fatties who are given gastric bands, or the drug addicts who are given whatever they are given to stop drug taking. These prescriptions/ treatments are preventative. In other words to stop or prevent their health declining. The same can be argued for social care, they require "looking after" to prevent their health declining. If this means more tax then that bill should be distributed equitably.
Billythequiche
4th Jul 2018
4
Thanks for voting!
I have to be careful here, while holding non of the prejudices that our generation is often accused of, it is increasingly difficult to express an opinion without a minority or pressure group claiming offence. However, this suggestion is so crass as to make me furious. My initial reaction is ''get off your lazy, entitled feeling arses and do something about your situation!''
Yes, yes, I know it is not as easy as that but if we wanted a comfortable retirement, we had to save or invest in a pension. That meant prioritising what we spent on. A 70 inch TV is not a necessity, nor is a £1000 phone every year, nor is a holiday in Mexico nor the pub every other night. I do not begrudge anyone life's luxuries, but don't expect to spend everything on them and have nothing for your old age.
I have paid tax for 57 years and am still paying it. I have never claimed benefits and cannot get any now.I contracted with the government to pay Nat. Ins. in return for health care and a pension, I still pay for dental and optical services. I do not expect the NHS to provide anything else other than primary treatment when ill and temporary social care when necessary. How can we justify sending millions to India and China if we cannot fund our own health care.
Lionel makes the point of families, as we understood it, seeming to be irrelevant. Amazing, we can find funding, court costs and parliamentary time to push through legislation to effectively end the institution of marriage but not for laws to stop companies from robbing pension pots.
Sorry, I will stop ranting now. There are surely enough wise heads in the country to come up with a sensible strategy to solve the issues, the headline grabbers must know that enacting such legislation would be political suicide as well as ruining our standing in the world.
Finally, I would sooner spend all my savings and pension on the house than be subject to this extra tax. We all know it would be used mostly to fund those who choose a life on benefits and abuse the NHS.
ElainePeony
5th Jul 2018
2
Thanks for voting!
Dead right...you have got the plot...tell your friends. No one will pay for you to be looked after except yourself...oh they might...after a means tested assessment of all your assets, savings and income from your hard one pension, but so what, if we have got the money for goodness sake spend it on being looked after, using Taxis, and going on great holidays...physical capacity needs to be capitalised upon...use it or lose it! Have fun, and sod the expense!
MillyB
5th Jul 2018
2
Thanks for voting!
Well said - couldn't agree with you more!
Lionel
5th Jul 2018
3
Thanks for voting!
Billy, good to hear from you again. You don't post often enough.

There's little I could disagree with in your post. In fact, I see some of your stronger points in my own step family - live for today and tomorrow will take care of itself. NO! It won't, someone else will need to take care of their tomorrow. My step daughter and her partner (?) spend more on entertainment subscriptions and mobile phone contracts each month than we do on food for ourselves and three Collie dogs! Yet we all live very well.

We come from a 'help yourself,' culture. It's not in our psyche to depend on others for anything. But it is for us to help provide for those who cannot help themselves.

We are second married, and that at age 47. Both working, we saved, bought a small house and have done without to pay off the mortgage. It's ours!! But, as said below, my wife's daughter expects to inherit the house and anything else we leave without any effort on her part. I've said a firm 'NO!.' If she cannot find time or be bothered to help us a little in my wife's increasing infirmity then we'll release any capital we can to make my wife's life bearable. When we're gone the residue will go to Border Collie Rescue.

I have a stepson who hasn't spoken with his mother in more than two years. I know he fully expects to inherit half the house. Think on baby,..

Why Border Collie Rescue? Because I've kept and worked Collies all my working life. Also, the three house Collie dogs we now have are the most marvellous companions to my wife and I. We would want to help rescue dogs of this breed and encourage others to experience the companionship of a clever dog.

We must all take care of ourselves - this is the most important benefit at this time of life from owning property and having a private pension.
Cath65
3rd Jul 2018
3
Thanks for voting!
Paid taxes all working life, at a higher level than present. Why are they discriminating against the old. We also pay full council tax and have to contribute towards care. We made the mistake of getting private pensions, now they want to milk them. They have taken our money, now provide the service.
ElainePeony
5th Jul 2018
0
Thanks for voting!
Hooray Cath65, someone who understands that your Tax deductions do not pay for your Social Care, should you need it! Of course we will be stripped of assets when dead...fine, but at least I can pay now, since I have the means through self imposed deprivation for 35 years as a public servant, paying 12% p.m. into my pension and NI of £596 p.m. AND Taxed at 33% , I was so poor! I had to get lodgers in! They were hard work ....but, they paid my food and utilities???so I want to pay for the best hotel style care.for me....in terms of facilities, outings, meals and workers who understand my language...i do hope all people of our age use their incomes for themselves. Age UK has marvellous information...please tell your friends! Kind regards, best wishes.
JayH8Blizz11P93
26th Jul 2018
0
Thanks for voting!
SOME PEOPLE AREN'T EVEN ABLE TO EARN £596.00 PER MONTH...!!! MY HUSBAND WON'T EVEN CONSIDER LODGERS AND ANYWAY WE STILL HAVE TWO OF OUR THREE CHILDREN AT HOME AS THEY CANNOT AFFORD THE EXTORTIONATE RATES BEING CHARGED FOR RENT, RATES, BEDROOM TAX, UTILITY BILLS, ETC ETC...!!!!
Lionel
3rd Jul 2018
5
Thanks for voting!
The need for extra funds to provide care for the sick and elderly arises, I think, because of a breakdown in family cohesion. Most of our generation were either taught, or understood, we have a responsibility towards our parents, and particularly those who are ageing and infirm. That we have so many people needing 'Social Care,' says that understanding is not seen to apply to later generations.

In my time as a carer some higher income families were happy to pay me quite large sums to live with their parents for a week or month while they pursued their lives elsewhere. In other instances Social Services paid me a barely living wage to do the same job. My experience began more than 20 years ago and I know demand for care has exploded since.

Since there is no element of care provision in National Insurance Contributions, may I respectfully suggest two things:

Many of us own our homes which our descendants expect to inherit without assisting us. It seems entirely reasonable to me to take as much money from the house through Equity Release as we can and provide for ourselves. When that runs out the State will need to step in.

Next, instead of hitting the more well heeled taxpayer even harder, apply the tax demand to those whose elders require State aided care because descendants haven't undertaken their familial responsibilities.

In my own example, my wife has MS and, although we're both now retired, I'm her principal carer. We have requested some small amount of help from one of her children who lives just 20 miles away, but so far nothing has happened. We're now considering taking some equity out of the house, fully understanding the interest will compound during our life time, to provide a better environment for my wife.

We've wrestled with the notion we're depriving her two kids of their inheritance but when all said and done, an inheritance is the residue of an estate, We see no reason why we should reserve our life's work for the children while my wife's disease further cripples her when some of that estate could ease her composure and return some amount of self respect.
ElainePeony
3rd Jul 2018
2
Thanks for voting!
Dead right...No pun intended! Capitalise on assets.
EVERYONE of retirement Age needs to read, and inwardly digest all the EXCELLENT information provided by Age UK.

Allow your selves at least 2 hours people, but there is a great source of how to get old, get your dues and pay for your care. It's a need to read.
Lionel
3rd Jul 2018
2
Thanks for voting!
Elaine, may I thank you again for an insightful and agreeable post.

Yes, I've been on Age Uk's website, so many times, and found them to be informative and very helpful. Their website in part has informed our decision to release capital.

Your phrase, inwardly digest, suggests a certain background. But I'll leave that to you.

I say again, thank you, as it seems your household and mine are pursuing the same ends, providing for oneself.
Westminster
4th Jul 2018
2
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Lionel, you and your wife come first, your children can make their own way.
Lionel
4th Jul 2018
2
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Westminster, thank you for your kind understanding.

Our decision was not arrived at easily, being the more traditional of people who would normally leave as much as possible to the 'kids.' Yet, when we honestly examined the habits of both by wife's children and their children we couldn't justify leaving them the house value to freely spend, a value we've worked hard to achieve.

Yes, my wife's increasing needs come first and, without in any way seeming to be a populist, we cannot reasonably expect the State or NHS to provide whilst we have an asset.

As said above, we now consider an inheritance to be the residue and not the entirety of our life's work.
ElainePeony
5th Jul 2018
1
Thanks for voting!
I have been an educator all my 36 years of working life. I have 2 University Degrees, hard won, through poverty, and sheer determination. The nice one was my MA (Ed) I loved doing this over 3 years, part time, with a full time job in Local Government.
My passion is to inform, and I am appalled by the ignorance of the great British Public regarding how Social Care is paid for...how, can anyone believe that Social Care ( which no one understands) is paid for by the NHS? I want to shout through a loud hailer..your NI payments do not pay for you to be looked after ! Do something about it! I despair...
SheilaO5
3rd Jul 2018
1
Thanks for voting!
We have paid our stamp and tax throughout our lives.
Can I suggest that everyone including unemployed who get more than 11,500 including extra benefits i.e. housing, pay tax as low income workers and pensioners have to
ElainePeony
3rd Jul 2018
1
Thanks for voting!
Our Stamp only paid for the NHS. It paid for OAPensions. It did not, and never did and was designed to pay for Social Care. This is not a Medical Need. The ignorance about this issue is appalling, the lack of information to explain where NI contributions go and the need for individuals to pay for their own care is a disgrace. Read all about Social Care on Age UK...really helpful.
ElainePeony
3rd Jul 2018
0
Thanks for voting!
Please read Age UK ...excellent information about what entitlements are and how to go through the process.
Yodama
3rd Jul 2018
1
Thanks for voting!
Wonder if Robin Hood was a politician?
Why penalise the industrious?
Lionel
3rd Jul 2018
1
Thanks for voting!
Oh, Yodama, penalising the industrious has become a national habit these days, fuelled by the left wing press. A certain party leader, a Trotskyite, would have us all dependent on state handouts. Not me, I've always provided for my family and always will.
PatN
3rd Jul 2018
2
Thanks for voting!
Absolutely not. Government already spends our money irresponsibly. They have to learn to cut their cloth accordingly. Stop sending money abroad for one thing! Stop housing immigrants & giving them benefits until they’ve earned them. Our welfare system has always been based on you pay in in order to take out!....not anymore...
GaynorA5
2nd Jul 2018
3
Thanks for voting!
No . The only time I haven't worked and paid NI was when my kids were babies my husband kept us and I didn't claim benefit. Except for child benefit. I have worked ever since and now at sixty one I am still working , paying NI and pension . I can't retire until I am nearly 67 . I can't get a bus pass or any help even though I see dole dossers , druggies, drunks and immigrants all on hand outs getting more money than I get wages . The government can do one . I struggle to pay my bills now . Why should I pay more . The government should crack down on paying benefits to anyone who comes into the country who haven't paid in . Crack down on people fiddling the system and abusing our NHS . One very fed up born in Britain . Resident of the UK . If this is not politically correct , or charitable then tough .
Lionel
3rd Jul 2018
2
Thanks for voting!
I've been in your place Gaynor. It's not tough, it's the truth. We Brits are valueless in the eyes of the State.
LindaM99
2nd Jul 2018
1
Thanks for voting!
I support the proposition that the rich, whatever their age, should pay more to fund social care & other things.
Emor
2nd Jul 2018
0
Thanks for voting!
Why should this particular group be selected for additional taxation? What about costly procedures / care for other age groups? This is discriminatory! Happy to pay dues in a well structured, progressive taxation system shared by all.
popspowell
2nd Jul 2018
1
Thanks for voting!
Why we don't get a proper pension when we retire as it is.
Lizzy36
2nd Jul 2018
2
Thanks for voting!
What happened to David Cameron’s Plan to take 8000 from every bodies estate after tax. This was a much fairer idea in my view, that way nobodies finances are affected whilst they are living...that would get my vote.
Lizzy36
2nd Jul 2018
0
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That was after death not tax
JayH8Blizz11P93
26th Jul 2018
0
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NO....!! Because we already pay death taxes and you are saying that we should be expected to pay it twice then...! and anyway I think it was going to be a lot more than that.! I think we pay more than enough already...!!! I would like to know where all this money is going in the first place..!!! enough is enough when people barely have enough to live on as it is...!!!
May tulip
2nd Jul 2018
2
Thanks for voting!
I have worked since I was 17 years and I am coming up to 66 next week. The government moved my retirement age back from 60 to 64 years and 4 months but I cannot afford to retire and so am still working full time. I have paid NI all my working life up to my official retirement age. Why should I have to make even more payments now.

I want better social care for the elderly and a health service that is adequately funded but I believe that charity begins at home so cut the .7 of GDP that we send abroad and spend it to help our own elderly and vulnerable first before taking yet more money from us.
Jackie Ash
2nd Jul 2018
0
Thanks for voting!
I paid a full stamp and all taxes for 45 years. I am a pensioner now, but I am by no means "rich". I live within a tight budget and cannot afford any more tax.
nanababa
2nd Jul 2018
3
Thanks for voting!
Us “rich” pensioners have learned to live within our means! Most of us have worked for at least 30-40 years paying into pensions every month, quite a chunk out of our wages! Now we should be able to live comfortably! Let younger ones learn this lesson, rather than having to have the latest gimmick now! I say No to the “gimme” generation!
CathyQ
2nd Jul 2018
1
Thanks for voting!
I feel we have paid enough into the system Iv been working since I was 15 plus Iv got to work till I’m 66
Marionkay
2nd Jul 2018
3
Thanks for voting!
No way should we have to pay any more once we have retired. I started work in 1966 apart from having my son in the 80s, back to work when he was two, I have always worked, full time, until I was (allowed) to retire when I was 62, 9months. I am still paying tax on my pension, which I really don't mind doing, but a big fat NO, to anymore.
ElainePeony
2nd Jul 2018
0
Thanks for voting!
Have you considered how you will pay for your Social Care in your later years? The NI deductions do not pay for this.
Marionkay
5th Jul 2018
0
Thanks for voting!
ElainePeony We will be paying for our Social care ? with the sale of our house and cash that we have managed to save. We are not expecting any help until our monies have run dry, only then, if we are still alive, will we be hoping that it will be our turn to benefit a little from the state.
Dadog
2nd Jul 2018
5
Thanks for voting!
Nope. I've paid already over my working life. Never missed. Still paying my taxes. What the various governments did with all these contributions over the years, goodness knows - but at 82 I'm not paying any more. Their problem, not mine!
ElainePeony
2nd Jul 2018
0
Thanks for voting!
How will your personal, known as Social Care be paid for? Have you thought about this since the Taxes you paid will not pay for you to be looked after?
jacquih
2nd Jul 2018
5
Thanks for voting!
I am 78 been retired for 13 years. No private pension . I most definitely say NO.
No one helps me.
Who came up with this ridiculous idea.
I also wouldn’t trust anyone in local government to look after an account holding the funds..
BeverleyG1
2nd Jul 2018
3
Thanks for voting!
No, we paid & worked hard for everything we have achieved. Going without many times. Pension not payable until 66!!!!
ElainePeony
2nd Jul 2018
0
Thanks for voting!
In your old age, have you thought about how you may pay for being looked after/ cared for?
CarlB
2nd Jul 2018
1
Thanks for voting!
We shouldn’t have to “think” about how we will be looked after, an awful lot of us will have paid in all our lives to fund hospitals, care homes, specialist nurses. It will become our time to access what we have paid into.
stephenadcroft
2nd Jul 2018
2
Thanks for voting!
Having worked all my life and now approaching retirement I think I have paid more than enough into the pot time those who haven't paid in but still get all the benefits started contributions
ElainePeony
2nd Jul 2018
-1
Thanks for voting!
Again, there is a nation wide lack of understanding about what NI payments are for!

The payment cover the NHS, but Social Care for vulnerable elderly is not a Medical need, it is for help with washing, feeding, bathing, toileting and puttin on clothes ( dressing) these are SOCIAL needs, therefore do not come under the remit or responsibility of the NHS.
So, who pays for people to come into homes and provide this care? How are funds for this generated? How will you pay for people to care for you?
Dadog
2nd Jul 2018
1
Thanks for voting!
Social security. That's what it was called years ago. We oldies paid for it for years. Why shouldn't succeeding generations pay in the same way? Afraid it might be squandered and not be available when they retire?
ElainePeony
2nd Jul 2018
-1
Thanks for voting!
Hi there! Yes, we all understood what described the Tax taken off at source and was in the vernacular called Social Security, 'cos that's what, in 1948 it was described as.
The payments then and now were to pay for the free of charge National Health ...just think about it...1949, dead prospective workers, get in a load of strong people from the Colonies, but then to generate more children for doing work for the Empire means that women giving birth must have live and healthy children who can work to grow wealth...they did it! Free births, NHS care in Hospitals...no charge! Yep..a workforce strong on orange juice and cod liver oil,
BUT, we go too healthy. And now are too old for the dear old creaking NHS to deal with us...too old and some want to die quietly to be allowed to, a lot of money needs to be paid for care...
NOT a medical need...every one needs to take responsibility for their OWN care...being looked after! The NHS is not responsible, get real people...and sort it out, rather than moaning about who should...there is NO should.
Yours and only yours responsibility...
spedders
2nd Jul 2018
2
Thanks for voting!
The only reason the NHS is creaking is that successive Tory and New Labour governments (same thing as Tories) have loaded the system down with debt (PFI and PPP contracts) and refused to tax their buddies to fund it properly.

What needs to happen now is that industry and particularly the financial services sector should be taxed to pay for the necessary increases.
Dadog
2nd Jul 2018
2
Thanks for voting!
But why simply put it solely onto pensioners? There are plenty of younger people needing home and social care. Shouldn't they, in accordance with your thinking, be responsible for their own care and be responsible for themselves? Wouldn't an overall tax increase on everyone be fairer? I would be happy to pay it (ah....no wait. It would probably go towards international aid or a new runway somewhere or a high speed train.........).
JayH8Blizz11P93
26th Jul 2018
0
Thanks for voting!
yes, they should be charging Amazon,Facebook, Apple etc. & all these big companies who sneak in here, their fair share in taxes . They should not be allowed to get away with it.!!!!
ritso
2nd Jul 2018
4
Thanks for voting!
We pilloried OAPs have paid our taxes and NI to pay for care which it appears that we will not get. Successive governments have ignored this problem for decades and didn't plan for something which has been obvious since the beginning of the last century.

Our taxes have been squandered due to inefficiencies and corruption and we are now expected to carry the can.
ElainePeony
2nd Jul 2018
-1
Thanks for voting!
NI payment is for State Pensions and NHS. Social Care is not a medical need, therefore not included in your NI deductions
CarlB
2nd Jul 2018
0
Thanks for voting!
I’m not really concerned what the Government does with the money I pay in for my elderly/social care. I’m not a part of any “gimme” generation, I’ve always worked, will continue to work while there are jobs available that I can do. I will just claim my entitlement as a valued citizen of this country.
JanetM87
2nd Jul 2018
3
Thanks for voting!
I would certainly not support this, as we have worked, yes worked and not spent time on benefits, and even over retirement age, are still paying tax on pensions.
ElainePeony
2nd Jul 2018
0
Thanks for voting!
How are you intending to pay for your care? A serious question, since the national misconception is that their NI contributions cover this. It doesn't
EvelineG
2nd Jul 2018
0
Thanks for voting!
CarolC998
2nd Jul 2018
0
Thanks for voting!
Just because reached a certain age dont see why, unless it went to the nhs
katsetongmailcom
2nd Jul 2018
0
Thanks for voting!
Why not means-test our mean little State Pension and take it away from 'rich' pensioners and re-distribute to increase all our State pensions to be more in line with the rest of the developed World. Our health would be better if we could afford a better life style.
Stop closing down all the hospitals that could take in recovering older patients (bed-blockers)
But when through no fault of their own (excluding certain African princes defrauding them) the 'rich pensioners' become poor from their Private pensions going broke and unable to pay them, they must have the safety net of State Pension in this worst-case scenario.
Kat
ElainePeony
2nd Jul 2018
0
Thanks for voting!
I am interested in how people are intending to pay for their care when elderly and infirm. Have you any plans for your later life care?
JayH8Blizz11P93
26th Jul 2018
0
Thanks for voting!
yes, what about those pensions that have probably been lost due to ineffiencies by companies such as BHS whose workers may have lost the pensions that they had been paying into all their lives...!!! While he still gets to keep his assets and his 3 yachts .I am sure he knew that their was a problem and that is why he sold BHS on to a bankrupt .!!!
Hazbeck48
2nd Jul 2018
5
Thanks for voting!
We have paid our N.I. Contributions all our working lives (in my case for over 40 years), so why should we be expected to pay again for a service which we have supported for years?

Make all the fat cats and politicians, who award themselves obscenely large salaries, contribute more...oh, I forgot - they can all afford private healthcare, and don’t give a flying fig about the N.H.S.
ElainePeony
2nd Jul 2018
0
Thanks for voting!
I wonder if you understand what your NI contributions went into? The NHS does not cover Social Care, as it is not a Medical need, do have you understood that your payments will not provide care for your toileting, bathing, getting out of bed, putting clothes on help in your incapacitated needs...how are you intending to pay for this? There is Nation wide ignorance about this, do your answer could help.
Kes
2nd Jul 2018
7
Thanks for voting!
NO! We have all paid enough, more than enough. I’ve been robbed of at least £45,000 because the government deferred MY PENSION. If the government collected all the unpaid taxes from the thousands and thousand of tax dodgers, and stopped exporting our money in Overseas Aid to countries who shouldn’t get it, then there would be more than enough to solve all the social care and NHS problems. But no, the easy option is to tax tax tax the people who have already been taxed taxed and taxed again. Another ridiculous notion from people who are living in a parallel universe.
ElainePeony
2nd Jul 2018
0
Thanks for voting!
I empthasise...have you considered and thought about how you will pay for your Social Care in old age? The national ignorance about what NI pays for is a scandal.
JayH8Blizz11P93
26th Jul 2018
0
Thanks for voting!
same here, I have also been robbed of at least that amount because of them stealing our pensions and where is all that money going too....! I bet it is not funding the NHS...! THE AVERAGE WORKING WAGE(MINIMUM) IN THIS COUNTRY IS APPROXIMATELY £11,000 P.A AND SOME PEOPLE EARN LESS THAN THAT AMOUNT...!
tigreisis
2nd Jul 2018
5
Thanks for voting!
Why should we pay any more, especially as those who've had their pension age highered to 70 have all paid their dues and the age change is because the Government haven't got any money to pay them any earlier due to siphoning it away. Why should we pay more enough is enough,
The Government should go after those who are in the higher money bracket and don't pay their taxes, they're the ones who owe the Government and the country.
ElainePeony
2nd Jul 2018
0
Thanks for voting!
Please can you describe how you will pay for your own Social Care? The Government needs to know what we think of this Care Premium from Clive Betts' Committee.
Dave VX
2nd Jul 2018
9
Thanks for voting!
I do not believe that pensioners should pay extra tax. As a pensioner I have contributed to the tax pot throughout my life and still have to pay tax on my pensions. I have never had any handouts from the Government who now appear to think we should contribute more because we are older. I believe that that the high salaries and pensions of MPs Directors of large companies should be looked at as an extra source of income for the government.
ElainePeony
2nd Jul 2018
0
Thanks for voting!
Do you have a plan to pay for your own Social Care? I want to tell the Government what we think snout the Nation wide lack of understanding about what NI deductions pay for...too nay think that it pays for Social care...ignorance is rife,
Dave VX
3rd Jul 2018
1
Thanks for voting!
I have a wheelchair bound disabled wife with brain damage. I get NO financial assistance from the Government other than Attendance Allowance. My savings will be used to support us both if we need to go into a home. A lot of our savings have been used on adaptions such as a Stair Lift and other necessary disability aids. I am my wife's sole carer (we are both in our mid 70s) and we have no assistance from our local council. I do not believe our age group should be picked on to pay more taxes. The tax bill should be shared EQUALLY amongst ALL taxpayers.
AmandaH2
2nd Jul 2018
5
Thanks for voting!
No I believe that pensioners have paid their NI and thus have alrady paid for their social care. Perhaps the MPs should give up their expenses &mileage allowances and perscription should not be given for products that can be purchased in supermarkets eg ibrofen paracetamol etc.
ElainePeony
2nd Jul 2018
0
Thanks for voting!
Oh dear..a other one! Amanda, your NI deductions do not pay for your Social Care. The NI pays for the NHS and State Pensions. Social Care is not a Medical Need, so you will have to pay for it yourself .i am interested in how you will do this, I'd like to tell Clive Betts, Chair, of the Committee who drew up the proposal.
DrPatC
2nd Jul 2018
8
Thanks for voting!
As a 1950’s woman who has paid 41 years NI contributions towards my pension, which has been robbed by 6 years, would I trust a fund if this type. Absolutely not!
ElainePeony
2nd Jul 2018
-1
Thanks for voting!
NI deductions do not pay for your Social Care. How are you planning for this? Please tell your MP your view on Social Care funding.
YveK
2nd Jul 2018
7
Thanks for voting!
I think the problem lies with the government not with us the people. Therefore it should be the government who pay; lower MP wages. Leave our elderly alone; they are NOT all well off.
turbox
2nd Jul 2018
7
Thanks for voting!
What the he'll do they think pensioners have been doing all their working lives? .........paying!
PatriciaEast
2nd Jul 2018
10
Thanks for voting!
I fail to understand why people think that pensioners are rich.. pensions in this country are amongst the lowest in the world. I have my state pension and also my work pension and I must admit I can manage but I do have to go without. I paid for my pensions when I was workingdon’t have expensive holidays, I don’t smoke, I do like a glass of wine and an occasional meal out. However, when things go wrong in the house eg a leaking hot water tank - £820 of damage, plumbing for the shower needed to be replaced - £350 - all of which has to be paid out of my dwindling savings and none of which can be replaced..I can’t afford to pay someone to do my decorating etc so it doesn’t get done and I live in dread of something really major going wrong with the house
ElainePeony
3rd Jul 2018
0
Thanks for voting!
I suppose rich pensioners are those who pay 40% Income Tax? I know loads of them...and they enjoy their money, but also gain emotionally from substantial donations to significant charities, which benefit from this and Tax Exemption Certification on their donations.
Lionel
29th Jun 2018
11
Thanks for voting!
This subject is ever going to raise our blood pressure!

In principal I wouldn't object to a small hike in taxes to pay for social care - in principal. The trouble with M.P's is that it will soon be absorbed into general taxation, as was Road Fund Licence, and disappear out of sight. Then another Ponzi scheme will be brought on.

Jacob Rees-Mogg has suggested growing the economy to pay for our social care needs and that sounds eminently more sensible to me. With current taxation at a shade below 38% how much more will the people take without some sort of effective protest? Added to which experience teaches the lower the tax rates the greater the tax take.

It has been suggested Britain vastly reduces it Foreign Aid provision - currently 14 billion a year. Last evening pigs were flying across a clear sky near here. It would have been so easy to pull pork, but, sadly I'm not permitted to touch it.

In respect of social care and other tax hikes I stand by my opinions of many years. Clear out Parliament and the Upper House, sack the top half of the Civil Service and lets get some new blood in there. We need fresh thinking, unfettered by Westminster blinkers and self interests.

I quote Oliver Cromwell: “You have been sat to long here for any good you have been doing. Depart, I say, and let us have done with you. In the name of God, go!.” He was addressing the rump Parliament. April 1653.

Whatever happens in Westminster most assuredly no one has the most satisfactory answer yet.
ElainePeony
29th Jun 2018
3
Thanks for voting!
Of course your well expressed points are well made. The issue is how do the old, decrepit, incapacitated, immobile, alone, with nothing to help them PAY for their care? Not medical, simply 2 gentle people who will visit to help the infirm stay at home...clean, fed, washed and not getting old and Ill with pressure sores? Everyone MUST take responsibility for their own elderly care! There is no point in moaning, and saying the NHS should pay..no one has paid into a fund for this care, called Social, because that's what it is...to stop people smelling by keeping clean, and not starving because they can't feed themselves.

Here is a reminder...my parents gave birth to 2 girls, I was the elder, I was told, frequently, I would have to look after them when they got old, this from aged 8! The threat was I had to earn a living cleaning toilets otherwise...
I saw the writing on the wall and escaped this prospect of servitude. As a result I eschewed being a parent, so that I could look after myself through work and saving for paying for my old age.

Now I know the Government will take all my money in Inheritance Tax over £325.00, I own my house, it's a really useful scheme to encourage me to spend as much as I can on people to look after me, since the Tax on anything over 325k will be swallowed up by Tax . Spend everything on looking after you, employ the best and reward accordingly..think living in an Hotel, and service needs to be acknowledged!

So the point of the Governments Committee proposal, is that there is a separate contribution paid into a fund for social personal care...washing, feeding, clothing, getting out of bed to a chair and so on. ALL of us will have to pay people to do this for us. The question is, how do we do it? No one will pay it for us...it's like paying for someone to wash your hair in a hairdressers or do it in your home, I want a scheme where my buying into this paying money into this will ensure a standard of care assistance delivered by qualified care assistants who are paid properly, and arrive when they are due, and are the same people, at least twice a day...it's exhausting saying everything over and over..no, I don't take sugar.
Lionel
29th Jun 2018
3
Thanks for voting!
Elaine, what a passionate and well reasoned post. I do so thank you for it. Your words read like light in a dark tunnel.

The last years of my working life I was a carer. All sorts of human conditions came my way, from the comfortably off who could afford me to the much less provided for who couldn't, but I worked for them as well. Just a man with a heart.

My problem with state provided services is that I just don't trust the state! It has a very long track record of squandering our money for purposes few of us would put even a penny in a collecting tin. By the same token private insurance against the almost inevitable is fraught with dangers too. Rip off fees, management charges etc., all diminish the output. My wife and I have small private pension which manifest this point so clearly.

These days there are levels of qualifications in the care industry. May I say frankly, they are worthless. Either one has the compassion for others or one does not. I call it a kindness of mind. No amount of training and certificates will improve that. One either has it or not. Most, in my experience do not. Therefore their charges are at risk of malpractice. I've been called into nursing homes and private homes behind such people to rescue the situation so many times.

My wife has had MS for five years and it's not going too well for her. We did provide for our older age but for various reasons the proceeds aren't forth coming. It's for me, a pensioner, to provide the increasing levels of care she now needs. I cannot in a loving conscience entrust my wife' care to a 'girlie,' who spends her 30 minute slot primping her hair and makeup and on her phone. Yes, so often I've railed against that.

I don't know what the answer to the boomer dilemma is. Successive governments have had 65 years to plan and prepare for our older age and yet have done nothing. Attlee, in the late forties, could have created a sovereign wealth fund, but he didn't. Churchill, from 1951, had the same option, but he did nothing. That's left us in limbo.

The state looks after it's own. My wife and I have never been part of the state, so we will take care of each other. There's no other way.
[email protected]
29th Jun 2018
2
Thanks for voting!
I fine this question difficult to answer, who really wants to pay more tax knowing that it would increase over the years. My choice would be to increase N.I. contributions rather than a new tax, but of course Social Care costs needs meeting now and in a way people are unable to avoid paying. That was why I voted yes.
Munsterlander
29th Jun 2018
0
Thanks for voting!
I would agree with you and increase NI contributions for all. But its just a stealth tax anyway if we have to pay we have to pay
Wilf
29th Jun 2018
1
Thanks for voting!
Yes I think its a very good idea. We would all benefit from it and if you died younger ie say at 50 then monies would be given to your relatives. The Uk has an aging population and from what I read its going to get worse; a bit like Japan with not enough youngsters paying tax so if we want to be looked after we need to pay for it-simples!
ElainePeony
29th Jun 2018
1
Thanks for voting!
I paid full NI contributions for over 35 years, and always knew this was for the health service, NOT for payment for me to be looked after....my personal bathing, toileting, feeding, and help with putting on my clothes. These are not medical needs, and should be paid for on a means tested basis. A dedicated fund with recruitment and advancement prospects through a career pathway, with a salary scale ( not hourly) would enhance this underpaid and poorly staffed job.
[deleted]
29th Jun 2018
2
Thanks for voting!
ElainePeony
29th Jun 2018
1
Thanks for voting!
Exactly! The Government at the time, it could have even been Labour, under Tony Blair mooted just this strategy...payments into an insurance company or companies for social care needs. This was several years ago.... BUT no insurance company would underwrite the risk! The actuaries said NO.
ArchieUK
29th Jun 2018
6
Thanks for voting!
I paid my national insurance contributions for, 50 years but these were done at some from 15 years old until I was 65 years old and I get a nice state pension not a subsistence allowance. I also paid into a company pension scheme for over 20 years so therer is a nice backup pension there, these were made at some sacrifice to my family. I cannot see why a group of MP's who have probably never done a honest day's WORK in their lives want to penalise me for being prudent and carefull with my earned earnings?
[deleted]
29th Jun 2018
6
Thanks for voting!
Wilf
29th Jun 2018
2
Thanks for voting!
I think you are a bit harsh Scandiman-the Uk is not that bad. We have probably got one of the worlds best health services-nobody dies from starvation and we do have a lot of issues like underfunded NHS that can be helped by more efficiences but we do need to pay and the only way to get the money is increased taxs-unfortunately!
ElainePeony
29th Jun 2018
2
Thanks for voting!
Quite right! There is a need for a major PR exercise to be undertaken by this Care Committee in educating the public about what NI Contributions pay for, and the need for everyone to budget for their old age or incapacity care themselves. People pay for house cleaners themselves, garden help, taxi journeys, so there is a lack of understanding as to what is an individual's responsibility. Also, a help for hospital budgets would be to charge
" hotel" levy for food etc, for anyone staying in hospital , after all this would be a cost if at home...my mother came out of hospital £1000 better off after her operation, as she had no expenditure for that time..I persuaded her to write a cheque for the hospital!
Wilf
29th Jun 2018
1
Thanks for voting!
You are totally right. I have not got a clue what NI payments are for and I am in my 60s! Mind you look at womens pensions and Brexit and defence and on and on ....the Government are just useless at communication. The ministers just waffle and no concrete answers to anyting. We need straight talking and they need to put all the information on government websites. they forget they are elected by the people for the people. They are our servants and should do what they are paid to do.Run the country properly
[deleted]
29th Jun 2018
2
Thanks for voting!
Wilf
29th Jun 2018
1
Thanks for voting!
I agree with the food bit especially as having seen food in hospitals I would rather get sandwiches and eat them I think. Its difficult with mass produced catering but food is so importent to getting peoples health back on track
LornaT13
29th Jun 2018
4
Thanks for voting!
The NHS is NOT underfunded, it is over-managed, badly run and money is spent in the wrong places in order to keep management happy and targets met. The NHS is badly managed from the top down and it is obscenely top-heavy with management. The medical side does not receive the resources that it should because it is wasted on outsourcing, overpaid managers, legal suits, compensation, new hospitals which are owned by private development companies thus reaping large interest premiums and financial payments from the NHS, agency fees which are at an all time high, expensive ‘management’ companies being paid to tell management teams how to save money, wasted and lost appointments where patients just don’t turn up - which they should be charged for, excessive immigration, health tourists, etc - the list is endless and that is before any money ever reaches the medical specialisms and medical staff, who often disappear off to the US, Canada and Australia to work once they are trained because they are paid more, have better working conditions and can afford to live there comfortably in decent housing. If the government paid another £360 billion every week to the NHS is would still NOT be enough because even more money would be wasted in places where it should NOT be spent. More money needs to be invested into the social care sector on its own rather than the NHS because if we had good strong social care facilities, that would inevitably remove a very huge burden from the NHS because so many people should not even be in NHS hospital beds because they need social care as opposed to medical care.
LornaT13
29th Jun 2018
2
Thanks for voting!
The food provided in hospitals is also well balanced, probably more so than what most people eat at home, especially the elderly. I do not think inpatients should be charged for their meals but I do think all patients should be charged when they don’t turn up for appointments, whether that be the GP, diagnostic, check ups, inpatient operations and anything else because it doesn’t take 5mins to phone and cancel an appointment and that should apply for all ages from children to the elderly - that would save far more than making inpatients pay for their meals and it would help to get more people seen thus helping to reduce the waiting list times.
Wilf
29th Jun 2018
1
Thanks for voting!
I totally agree with you about charging people when they do not turn up. It would help a lot for the NHS. It really is inexcusable. maybe we should all have to submit bank details/creditcard/debit card so they simply debit us when this happens....again it would reduce all the problems of gettin money out of people.
LornaT13
29th Jun 2018
1
Thanks for voting!
That’s a really good idea actually and I certainly would not have an issue with providing my bank details as long as I was assured it was secure. You only have to go into any GP surgery in the country who usually post how many missed missed appointments they have had that month - in mine there are on average 40 each month for a surgery of 1700 so add that together with every other surgery in he country and every single hospital in the country then the figures run into thousands, possibly even more and converting that into monetary terms would likely shock even the most astute mathematician and/or statistician, of which I am neither so even an idiot could see how much time and money is being wasted.
Lionel
29th Jun 2018
2
Thanks for voting!
I think that's a pretty fair comment Scandiman. We Boomers are not responsible for the actions of the State even though they are supposedly elected by us. In practice the Civil Service are the continuing force of governance not elected politicians.

I've said elsewhere this evening, Attlee had the opportunity to establish a sovereign wealth fund to provide for we Boomers. He didn't. Churchill, from 1951 also but he didn't. The sum of this is we're cast adrift, sacrificed on the altar of government policy. If I managed my step family and our household in the fashion state finances are prioritised I cannot imagine where we would be today.

Don't ever fall seriously ill Scandiman because, having worked in the care business for a few years, I can say you won't be well looked after, no matter how much you pay.

This day and age is all about false promises to take your funds off you. Have nothing to do with it.
Lionel
29th Jun 2018
1
Thanks for voting!
Yes, Wilf, it has long been conveniently forgotten M.P's and the Civil Service are just that ... our servants.

Time we, the Brits, got this sorted out.
Blakesgrandma
2nd Jul 2018
0
Thanks for voting!
No one dies of starvation? Try telling that to a 3 year old angel punished for asking for food until his death at the hands of the people that called themselves parents. Another failure of social care
Marionkay
2nd Jul 2018
0
Thanks for voting!
Totally agree scandiman! Brilliant couldn't have put it better myself.
[deleted]
3rd Jul 2018
0
Thanks for voting!
Wilf
3rd Jul 2018
0
Thanks for voting!
I think they have seen the increase in the elderly population coming for years but like all governments try to kick the bucket down the street a few years. I agree about neglect of people like the mentally ill. A lot of dedicated hospitals seem to have closed years ago so many venerable people are left on their own on the streets. I suppose its all about priorities. The UK is like a family on a budget and the question is how to best spend your money and how to not waste it?
Margaret Hart
28th Jun 2018
3
Thanks for voting!
Although I have said yes that is not the whole story. I realise that the money has to be found from somewhere but where are these additional taxes going to stop. We are all paying extra with our rates for the social care and the police but it doesn’t seem to make much difference they are still depleting.
If this type of scheme had been use for the pensions we paid for all our lives we would now have a decent pension instead of the subsistence allowance we get. The various Governments would not have been able to fritter it away on whatever crazy ideas they came up with. This has been discussed and put forward without any regard to what we have already and are presently paying. I think I should have voted no.
kentrix39
28th Jun 2018
3
Thanks for voting!
Certainly not the NHS has to start collecting monies from the medical tourists first off, then we must stop people coming into our country which floods the NHS. On top of that we must stop shelling out tax payers money to foreign countries which ends up either in Swiss bank accounts or according to MP committees wasted on perfectly useless projects.
I am a whisker off eighty years old and I did not provide for myself to have it taken away to used on useless youth/employment projects that have not a hope in hells chance of being of any great use for anything.
Leave people alone that have provided for themselves and put the unemployed to work on the streets and litter picking and any other menial task, even train them to fill in pot holes that should keep the going for a few years.
Wilf
29th Jun 2018
1
Thanks for voting!
The problem with getting the unemployed to do meniel jobs is we have nearly full employment whcih should mean we have a lot of people paying taxes. Its all a far cry luckily from the 70s and 80s when we had a lot of unemployed drawing benefits and less people paying taxes-no wonder the country was in such a mess in the 70s!
LornaT13
29th Jun 2018
1
Thanks for voting!
I’m sorry Wilf but what on earth are you basing your comments on??? There might be more jobs about but most of those are only part-time and benefits and supplementing the shortfall. Additionally there is a large majority of foreign nationals from outside of Europe (name of which I dare not stare publicly) who do not work and have never worked but still produce very large families whilst also bringing over relatives who do not work either. Unemployment is not just linked to the young British population, of which there are still too many. It isn’t also just unemployment that costs money, it’s everything else that goes with it for low earners, single parents, disability, mental health etc. The issues are far wider than saying there is almost full employment now, there isn’t and the speed at which technology is progressing, there never will be.
Wilf
29th Jun 2018
1
Thanks for voting!
Lorna, I am basing my views on facts from the government and media. I agree there is a large "Gig" economy but that is the nature of society and work now.There maybe forign nationals who do not work but unless they are British citizens they do not get unemplyment benefit and this is much more stringent that it ever used to be. You are right regarding the speed of technology changing work for us all. It will get faster and faster and there is simply no stopping it as machines by and large produce efficiences-they do not get tierd or sick. What society will do is adapt to new skills over time but I do agree in about 50 years time machines will be doing most of the work and unless people are very highly trained they will struggle to get jobs.
LornaT13
29th Jun 2018
1
Thanks for voting!
I agree with you Wilf but how do these foreign nationals police without benefits? They are usually given social housing and benefits often go hand in hand with that, although I know that the child benefit is only paid for two children now, which is a good thing and has been a long time coming.

Sadly the gap between the very rich and very poor in society appears to be widening because the poorer of society seem to have lost the will to fight for what they want and I believe that men have been severely disenfranchised as a result of feminism which has caused them to lose their place within society.
Wilf
2nd Jul 2018
0
Thanks for voting!
I think the rich have always been so and the poor the same.I agree the rich do seem to be getting richer and there does seem to be more inequity in financial terms. Men and Women should be equal its just society struggling through all these massive and quick changes many bought on by social media and the internet in really what is a few short years.
LornaT13
28th Jun 2018
2
Thanks for voting!
NO WAY would I ever support such a tax. Taxpayers pay more than their fair share in taxes and national insurance and if the government stopped giving so much of our money to other countries and other causes that are nothing to do with Britain then there would be plenty of money to look after our social care system, our elderly and the NHS. It absolutely infuriates me when politicians suggest such begging bowl tactics in a country as rich as ours where they put foreign countries and foreign nationals before their own people. There is also the money that is paid to politicians, their properties, their expenses and looking after the excessively super-rich by keeping their taxes low. Grrrrrr! I am incensed by the mere suggestion

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