Search This Blog

Tuesday, 10 December 2013

"Jersey Fleecing The Elderly Of Their Life Savings & Legacy"

Jersey's long term care revolution

As we know, every government is a corporation, and what do corporations do?
They make money.

They steal the whole cake and flick back a few crumbs.


Islanders in Jersey are set to pay more in social security contributions towards a new Long Term Care Fund, if the States approve the scheme today. 

Workers who pay income tax will see up to 1% of earnings put into a new insurance scheme aimed at avoiding the shock of huge care bills later in life.

The government hopes it will end islanders needing to sell their homes to make ends meet.

In the first year, 2015, islanders will pay up to 0.5% of their earnings, then from 2016 that will rise to up to 1%.

The States will aim to keep the level at 1% for three years.

Under the plan you will pay a maximum of £50,000 for care costs, after that the long-term care benefit will kick in.

Assets of up to £419,000 will be exempt when working out how much benefit you get, theoretically putting an end to people selling their home to pay care bills.

Malcolm Ferey from Jersey Citizens Advice Bureau said: "It's difficult enough having to make the decisions about going into a care home but when you've got the added pressures of what's going to happen to my finances, what's going to happen to a legacy that I'd like to give to my children, then that can make the pressures even worse, so what this benefit will do is ensure that those people's assets will be protected and then they can make good decisions based on their care needs rather than on economic necessity alone."

Islander Rozanne Thomas, who cares for her 90-year-old mother at home, has been worried about how she will fund her mother's care in the future. 

Welcoming the government's plans to introduce the Long Term Care Scheme, Rozanne said: "It brings predictability in that I know that my mother would only have to pay up to £50,000 of her care costs, after which she would be eligible to apply for help. It enables one to plan financially because when someone ages their needs increase, so to have a cap on it does help a lot.

"Everyone's going to age and everyone's going to have to face this problem at some point. Nobody complains about paying social security contributions to cover their medical costs and this is just an extension of that."


  1. Banging the drum decades ago, the big promise was social security, you will all pay it in to the system to get wages when you are ill, and look after you when you retire. It does what it says it will do.

    No it won't, it is just a great big ponzi scheme for the Government to be able to spend and waste more of your hard-earned money. Having a larger population does not mean more people paying in to help the problem as you will often hear. If that was the case why would you have to pay more now, there are a lot more people today than 40 years ago.