Dilnot's caps will happen "if way can be found" - Funding Report

clock

The progress report on funding reform, published alongside the white paper on social care today, has said a funding model based on principles outlined by the Dilnot Commission will only happen if a way to pay for it can be found.

It said: "The government agrees that the principles of the Commission's model would be the right basis for any new funding model - financial protection through capped costs and an extended means test."

It added: "If a way to pay for it can be found there remain a number of important questions and trade-offs to be considered about how those principles could be applied to any reformed system."

On the Dilnot Commission suggested care cost cap of between £25,000 and £50,000 per individual, the report said: "There was a discussion of the level of the cap, with some people suggesting that a cap could be set at the top of the commission's range - or even slightly higher (eg at £75,000) - without undermining the principles of the system."

The report indicated the most appropriate level for the cap might be higher than the Dilnot recommendation.

"Others recognised, given the fiscal circumstances, that a higher cap could provide a more affordable way to implement reform," it said.

Other questions were raised on how the cap rises over time, what is and is not counted in the cap, and the contribution to general living costs that people are expected to make; and who benefits and who should pay.

More on Regulation

Protection industry calls on FCA for 'transparent' market study timeline

Protection industry calls on FCA for 'transparent' market study timeline

Delays creating uncertainty in the market

Jaskeet Briah
clock 12 December 2025 • 3 min read
FCA Pure Protection Market Study interim report delayed to 2026

FCA Pure Protection Market Study interim report delayed to 2026

Quantitative Outputs published

Cameron Roberts
clock 11 December 2025 • 4 min read
FCA's targeted support rules effective from April 2026

FCA's targeted support rules effective from April 2026

Regulator to open application gateway in March

Isabel Baxter
clock 11 December 2025 • 5 min read

Highlights

COVER Survey: Advisers damning of protection insurer service levels

COVER Survey: Advisers damning of protection insurer service levels

"It takes longer than ever to get underwriting terms"

John Brazier
clock 12 October 2023 • 5 min read
Online reviews trump price for young people selecting life and health cover

Online reviews trump price for young people selecting life and health cover

According to latest ReMark report

John Brazier
clock 11 October 2023 • 2 min read
ABI members with staff neurodiversity policy nearly doubles

ABI members with staff neurodiversity policy nearly doubles

Women within executive teams have grown to 32%

Jaskeet Briah
clock 10 October 2023 • 3 min read