Partnership has responded to the figures from the union GMB showing that 10% of those in care will live long enough to activate the Dilnot cap.
The Dilnot cap limits the cost of care to £72,000 however the limit does not apply to top up fees or "hotel costs". It is scheduled to come into effect in April 2016.
The GMB union warned that it would take four years and nine months to reach the cap, while the average stay in care is two years and three months
Jim Boyd, director of corporate affairs at Partnership said: 'These findings provide yet another warning about the true cost of care and the adequacy of Dilnot's 'so called' 'cap'.
"Many people believe social care is free - but for the significant majority of people in the care system who have to pay all of their care fees - it is not.
"These findings reinforce the view that the best way for these self funders to be satisfied that they will have adequate funds to meet their long term care costs are if they save more over their lifetimes and also seek qualified financial advice.
"For many, a care annuity, which will pay an income for life to meet care costs in return for a one off premium, may be of benefit and provide peace of mind for them and their families.'
