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Thursday, 21 February 2013

THE BEDROOM TAX


UPDATE (2) 6 MARCH 2014
A tenant who was born 5 April 1952 or earlier or has a partner of that age is exempt from the reduction. See paragraph 47 of this official guideThey may also qualify for more housing benefit due to their age. They may also be able to claim pension credit and or get more help with their council tax through Council Tax Support.

UPDATE 6 MARCH 2014
The loophole in the law which allowed thousands of tenants to escape the excess bedroom reduction has been closed. From 3 March 2014 people who have been in their homes continuously from 1 January 1996 and claimed housing benefit for that entire period will now be subject to the rules. They can still claim a refund of any housing benefit deducted from 1 April to 2 March. That 48 week refund will average nearly £700. But from the week of 3 March 2014 they will be subject to the reduction. Any Discretionary Housing Payment made before the change in the law can kept. The regulations to close the loophole were debated in parliament on 26 February and approved by 304 votes to 253.

The DWP sticks by its estimate that around 5000 tenants were wrongly charged. But the Labour Party has used Freedom of Information requests to get the figures of those affected from every local council in Britain. 209 out of 378 have responded and the total at 5 March was 22,941 implying an eventual total of more than 40,000. The Government disputes those figures saying local councils gave "the numbers of people who might be affected and the numbers of cases they were investigating but the Opposition had added them together". Labour stands by its figures.

UPDATE 1 MARCH 2014
Tribunal decisions on housing benefit reductions for excess bedrooms are coming in thick and fast. The 'Nearly Legal' blog keeps an updated list of them here.

UPDATE 21 FEBRUARY 2014
The Court of Appeal has rejected a claim by some disabled tenants whose housing benefit was cut. They argued that the law discriminated against them as disabled people and was therefore unlawful. The Court held that it did discriminate but that the discrimination was justifiable and the Secretary of State had fulfilled his obligation to consider that. Read the judgement.

UPDATE 14 JANUARY 2014
A judge in a First Tier Tribunal in Liverpool has held that the regulation which specifies how many bedrooms are allowed 'pre-supposes that to be classified as a bedroom, a room should be large enough to be appropriate for use as a bedroom by an adult or by two children" The judge also said "that under-occupancy can be seen as the flipside of overcrowding" and "having regard to the legislation governing overcrowding that sets out statutory space standards " "the two disputed rooms are too small to be classified as bedrooms". Read the judgement

UPDATE 9 JANUARY 2014
The DWP has confirmed that tenants who have claimed some Housing Benefit continuously from 1 January 1996 or earlier and who are have lived in the same property since 1 January 1996 should never have had the excess bedroom reduction made. The officials who drafted the 'bedroom tax' law forgot to include them in it. They can reclaim money deducted back to 1 April 2013. The rules will be changed to include them in future but the DWP seems in no hurry to do that and I understand any change will not be retrospective. It may be changed from April this year. Estimates of how many will be due a refund vary. Unnofficial guidance puts it in the low thousands, perhaps 2000 to 4000 households. Others believe it will be a lot more. The details of the error and action to be taken are set out in DWP Circular HB U1/2014. More here http://goo.gl/jReHjq

UPDATE 25 SEPTEMBER 2013
The DWP has issued an Urgent Circular about what it now calls 'Removal of the Spare Room Subsidy (RSRS)' and recent tribunal decisions. The DWP says it will seek permission to appeal against these decisions. 

Meanwhile it says that overcrowding laws which specify the size of bedrooms are not relevant in assessing what is a bedroom. Nevertheless a bedroom must be "large enough to accommodate at least a single bed". Rooms classified by the landlord as bedrooms cannot be discounted just because they are habitually used for something else such as storage. See https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/244604/u6-2013.pdf

UPDATE 12 SEPTEMBER 2013
A Tribunal in Scotland has decided that rooms that are too small and rooms used for other essential purposes should be ignored when the 'bedroom tax' is assessed. See http://paullewismoney.blogspot.co.uk/2013/09/four-out-of-fife.html 

UPDATE 30 JULY 2013
The High Court held today that the regulations introducing the housing benefit restrictions for people in social housing with more bedrooms than specified for their household did discriminate against disabled people. However, it held that the discrimination was lawful in the case of adults as it was justified. But it held the discrimination was unlawful in the case of disabled children who were unable to share because of their disability. At the moment the rules about the bedrooms needed by children are waived by concession for households with a disabled child, following earlier court action. The Court ordered that regulations to implement that change be made speedily to ensure that there is “no deduction of housing benefit where an extra bedroom is required for children who are unable to share because of their disabilities.” 

Lawyers for the ten families who took the case to the High Court say they will appeal the ruling. The DWP which has already accepted the position regarding children has said regulations will be made. 

At the same time the DWP announced another £35 million to ease the transition to the new rules. Welfare Reform Minister Lord Freud said of the judgement 

"Reform of housing benefit is essential. The removal of the spare room subsidy means proper support for the household remains, but the taxpayer does not pay for people’s extra bedrooms.

DWP release here http://goo.gl/3qzcFQ 
Leigh Day (solicitors for some of the applicants) statement here http://goo.gl/msjGIm
Hopkin Murray Beskine (solicitors for some of the applicants) statement here http://goo.gl/Zix9QO 
The judgement itself http://goo.gl/mWMnny

UPDATE 14 MARCH 2013
The bedroom tax isn't really a tax. It is a reduction in the help you get with your rent if you have a spare bedroom. The shortest accurate way to describe it is an ‘under-occupation charge' or an 'excess bedroom reduction'. I call it simply ‘the charge’ in this note – or sometimes the bedroom tax.

The charge only applies to tenants of a council or housing association. It does not apply to people who rent from a private landlord. They face separate and different restrictions on the size of their home and the rent they can claim for.

The charge does not apply to people over the age at which women can claim the state pension. When the bedroom tax begins that was around 61y 6m. By April 2014 it will be 62. On 1 April when the new rules start they will not apply to any tenant if they or their partner was born on 5 October 1951 or earlier. People who reach women's state pension after that will no longer have the charge imposed.

The charge applies to England, Scotland, and Wales. It will be introduced at some point in Northern Ireland but may only apply to new tenants not to existing ones.  

Bedroom needs
You are allowed one bedroom for each
  • Single adult – including a boarder or lodger
  • Couple
  • Foster child - subject to certain conditions (this change was announced 12 March) 
  • Child of yours, but
    • Two children of yours under 10 will be expected to share a room and
    • Two children of yours under 16 of the same sex will be expected to share a room
  • A carer or carers from outside if someone in the household needs night-time care every night.
Foster children
In a concession announced on 12 March approved foster parents will be allowed a room for a foster child if they are fostering a child, have fostered one in the last 12 months, or have been approved in the last 12 months. It is not clear yet if the room sharing rules will apply to foster children.

Severely disabled children
Severely disabled children should be allowed a room of their own if their condition makes it unreasonable for another child to share with them. A Court of Appeal judgement on 15 May 2012 decided that to make such children share a room was indirect discrimination on grounds of disability. On 12 March 2013 the Government announced that it would not appeal against the decision so it is now the law and overrides the regulations on the under occupation penalty. The appeal was dropped six days after PM David Cameron told Parliament 'people with severely disabled children are exempt'. They weren't then. They can be now.


Disabled people
If a home has been adapted for a disabled person and there is a spare bedroom used for equipment or other purposes it will NOT be exempt. You will have to apply to the discretionary fund. The Gorry ruling only applies to disabled children. It does not apply to an adult couple who cannot share a room due to a disability. Though it could be used to argue for that. Other cases are pending. 

What is a bedroom?
There is no definition of a bedroom. It is defined in the tenancy agreement and Parliament was told on 11 March the charge "will take account of the number of bedrooms as designated by the landlord. The number of bedrooms within a property is a matter between the landlord and tenant."

Knowsley Housing Trust in north west England has decided to redefine 566 homes from 2 and 3 bedroom to 1 and 2 bedroom so tenants are not subject to the charge. The DWP has told me it intends to make no changes in the law following Knowsley’s action.

The Housing Act 1985 lays down the minimum number of rooms and the size of rooms required before a dwelling is overcrowded. Section 326 specifies that a room of less than 70 sq ft (6.5sq.m.) is not suitable for one person. A Tribunal in Scotland has said that similar Scottish legislation can be used to establish that a room that is too small on these criteria should NOT be counted as a bedroom and should be excluded from the number when the deduction is assessed. See http://paullewismoney.blogspot.co.uk/2013/09/four-out-of-fife.html 

A tribunal in Liverpool has made a similar finding and held that the regulations must assume that a room counted as a bedroom is big enough to be one. .

Reduced rent
The charge reduces your eligible rent when your housing benefit is worked out. There are two rates. If you have one extra room the charge is 14% of your eligible rent. If you have two or more extra rooms it is 25% of your eligible rent.

The effect will be that 40,000 lose all their housing benefit and 620,000 lose an average of £15 a week. Almost two thirds of those affected will be disabled or have a disabled partner.

The DWP has told me recently the policy will save an estimated £505 million in 2013/14 and £540 million in 2014/15, slightly more than its initial assessment in 2012.

No move possible
One purpose of the new rule is to encourage people with more bedrooms than they need to move to smaller accommodation. But that will often not be possible as there is a shortage of smaller homes in many areas. Even if no smaller accommodation is available the charge will still be made. And it will still be made even if the council originally allocated the tenant to the accommodation that is now deemed to be too big. For example single people are sometimes put in two bedroom high rise flats because councils would rather not put families with children in them.

Parliament was told on 12 March "There are 249,000 overcrowded households in the social sector, while nearly 1.5 million under-occupy." 

So fewer than half of the 660,000 affected by the under-occupation charge could, even in theory, free up a home for an overcrowded family. 

The Government has promoted a national social housing home swapping service run by organisations such as www.homeswapper.co.uk. If a move is possible then an application should be made to the local council for moving costs. It may not be successful.

Separation
If a couple separate but continue to live in the same home the DWP tells me they will be counted as two separate adults - that will apply whether they were originally married or civil partnered or not. If they live in separate homes the parent who is the primary carer will get the bedroom allocation. If the parents genuinely share the care of the children then the one who gets the child benefit will get the allocation. If they have more than one child and they each get child benefit for at least one child it is possible they may each get a bedroom allocation for those children.

Grown up children
Once a child of the family reaches 16 he or she can have a room of their own. If they stay in education and normally live in the family home then their room will not be counted as spare. If they go away to study then their room will not be counted as spare for 52 weeks. But if the local council decides that the family home is not the student’s main residence and they will not return there then their room will be counted as spare.

Once they a child leaves education and looks for work or gets a job or claims jobseeker’s allowance then different rules apply. If they still live in the home an amount known as a non-dependant deduction will be taken off the housing benefit. That deduction is between £13.60 and £87.75 a week depending on their income.

If a room is left empty by someone on active military duty it will not be counted as spare and the non-dependant deduction will not apply when they are not living there. This concession was  announced on 12 March 2013.

Normally if a room is left empty it will count as a spare room after 13 weeks. However, if someone dies and that leaves the home with a ‘spare’ room it will not be counted as spare until 12 months after the date of death. 

Shared ownership
Where a home is part rented and part being purchased the charge will not apply.

Recently unemployed
Someone who has recently become unemployed and begun a claim for housing benefit may not have the charge applied for 13 weeks.

Discretionary Housing Payments
People who will suffer hardship as a result of these changes can apply for a payment from the local council’s discretionary housing fund which is being increased by £25 million for this purpose. People with disabled children are expected to be the main group helped. A further £5 million on the discretionary fund to help foster parents was withdrawn on 12 March when the change was made to allow them a room within the rules.

Renting
People affected may be able to rent out the spare bedroom if they get permission from their landlord. Any rent received would be counted as income – though the first £20 would be ignored – and that would reduce housing benefit still further and affect other means-tested benefits as well. No tax is due on renting out a spare room unless the rent exceeds £4250 a year (£81.73 a week).

Universal Credit
The introduction of Universal Credit has been very delayed though a very few people are now being put on it. Under-occupation rules will still apply but they are slightly different and the details are not covered in this blogpost. In particular a couple will both have to be over women's state pension age to be exempt from the rule. And the bereavement concession of 12 months will be reduced to three. 

Further information
Housing benefit circular from DWP setting out the new rules http://www.dwp.gov.uk/docs/a4-2012.pdf

Concession on foster parents and armed forces http://www.parliament.uk/documents/commons-vote-office/March-2013/12-3-13/6.WorkandPensions-HousingBenefitreform.pdf

DWP Impact Assessments http://www.dwp.gov.uk/docs/social-sector-housing-under-occupation-wr2011-ia.pdf and http://www.dwp.gov.uk/docs/eia-social-sector-housing-under-occupation-wr2011.pdf which includes information on family type and disability





Gorry case – and Burnip and Trengrove http://www.cpag.org.uk/content/disability-and-discrimination-court-appeal-upholds-rights-disabled-people

The Housing Act 1985 s.326 http://www.legislation.gov.uk/ukpga/1985/68/section/326

Bedroom definition http://www.publications.parliament.uk/pa/cm201213/cmhansrd/cm130311/text/130311w0004.htm#13031160000084

Overcrowding figures http://www.publications.parliament.uk/pa/cm201213/cmhansrd/cm130312/text/130312w0003.htm#13031273000072

An updated list of Tribunal decisions is kept on the nearly legal blog http://nearlylegal.co.uk/blog/bedroom-tax-ftt-decisions/

Version 1.65
6 March 2014

Wednesday, 20 February 2013

HMV BOUGHT BY HILCO 141 SHOPS AND 2,643 JOBS SAVED

UPDATE 5 APRIL 2013
Administrators Deloitte have sold the HMV retail business as a going concern to Hilco. 141 shops (list below) and the group head office and distribution functions are transferred to Hilco safeguarding 2,643 jobs. 


The 141 stores included in the sale are:
Aberdeen, Ayr, Banbury, Bangor (Wales), Basildon, Basingstoke, Bath, Belfast Donegall Arcade, Birmingham Bullring, Blackpool, Bluewater, Bournemouth, Bradford, Brighton Churchill, Bristol Broadmead, Bristol Cribbs, Bromley, Bury, Bury St Edmunds, Cambridge, Canary Wharf, Canterbury, Cardiff, Carlisle, Chelmsford, Cheltenham, Chester, Chichester, Colchester, Coventry, Crawley, Cwmbran, Darlington, Derby, Doncaster, Dundee, East Kilbride, Eastbourne, Edinburgh Fort Retail, Edinburgh Ocean Terminal, Edinburgh Princes Street, Exeter, FOPP Bristol, FOPP Cambridge, FOPP Covent Garden, FOPP Edinburgh, FOPP Glasgow Byres Road, FOPP Glasgow Union Street, FOPP Gower Street London, FOPP Manchester, FOPP Nottingham, Gateshead, Glasgow Argyle, Glasgow Buchanan, Glasgow Fort, Gloucester, Grimsby, Guernsey, Guildford, Hanley, Harlow, Harrogate, Hastings, Hatfield, Hereford, High Wycombe, Horsham, Hull, Inverness, Ipswich, Isle of Man, Isle of Wight, Islington, Jersey, Kettering, Kings Lynn, Kingston, Leamington Spa, Leeds Headrow, Leeds White Rose, Leicester, Lincoln, Liverpool One, Livingston, Llandudno, Maidstone, Manchester 90 Market Street, Manchester Trafford, Mansfield, Merry Hill, Middlesbrough, Milton Keynes, Newcastle, Newport (Wales), Northampton, Norwich Gentlemans Walk, Norwich Chapelfield, Nottingham Victoria, Nuneaton, Oxford, Oxford Circus, Peterborough Queensgate, Plymouth Drake Circus, Poole, Portsmouth Commercial Road, Portsmouth Gun Wharf Quay, Preston, Reading Oracle, Romford, Selfridges Oxford Street, Sheffield High Street, Sheffield Meadowhall, Shrewsbury, Solihull, Southampton, Southend Victoria, Southport, Speke Park, Staines, Stevenage, Stirling, Stockport, Stratford upon Avon, Stratford City Westfield, Sunderland, Sutton, Swansea, Taunton, Thanet, Thurrock, Truro, Tunbridge Wells, Uxbridge, Westfield London, Wimbledon, Winchester, Wolverhampton, Worcester, Worthing, Yeovil, York.


20 February - HMV administrators have announced a further 37 store closures affecting 464 staff - expected to close in 4-6 weeks. They are 

Ashford, Basildon, Bolton, Cheltenham, East Kilbride, Enfield, Folkestone, Glasgow Argyle, Gloucester, Grimsby, Hatfield Galleria, Heathrow T5 Departure Level, Heathrow Terminal 1, Heathrow Terminal 3, Heathrow Terminal 4, Hemel Hempstead, High Wycombe, Isle of Wight, Lancaster, Leadenhall, Mansfield, Middlesbrough, Newbury, Newcastle Silverlink, Newport, Nuneaton, Redditch, Salisbury, Scarborough, Southport, Stafford, Staines, Stockport, Swindon, Taunton, Torquay, Woking.

The 66 stores already identified for closure - announced on 7 February - are:

Ashton-under-Lyne, Ballymena, Barnsley, Bayswater, Belfast Boucher Road, Belfast Forestside, Bexleyheath, Birkenhead, Birmingham Fort, Blackburn, Boston, Bournemouth Castlepoint, Bracknell, Burton-upon-Trent, Camberley, Chesterfield, Coleraine, Craigavon, Croydon Centrale, Derry, Dumfries, Durham, Edinburgh Fort, Edinburgh Gyle Centre, Edinburgh Ocean, Edinburgh Princes Street, Edinburgh St James, Falkirk, Fulham, Glasgow – Fort, Glasgow – Silverburn, Glasgow Braehead, Huddersfield, Kirkcaldy, Leamington Spa, Leeds White Rose, Lisburn, Loughborough, Luton, Manchester 90, Moorgate, Newry, Newtonabbey, Orpington, Rochdale, Scunthorpe, South Shields, Speke Park, St Albans, St Helens, Stockton-on-Tees, Tamworth, Teesside, Telford, Trocadero, Wakefield, Walsall, Walton-on-Thames, Wandsworth, Warrington, Watford, Wellingborough, Wigan, Wood Green, Workington, Wrexham.


Thursday, 14 February 2013

PAYING FOR CARE - THE COALITION PLANS

UPDATED JANUARY 2015

UPDATE 17 MARCH 2013
The Chancellor announced on the BBC's Marr show on Sunday 17 March 2013 that the reforms would be brought forward and start in April 2016. The 'cap' of £75,000 will be £72,000 to reflect the earlier date. No other changes were announced but the other figures may be refined downwards too.

Coalition plans
On Monday 11 February 2013 the Coalition Government published the details of its plans to reform the state subsidy for long-term care of the elderly in England. The Government says It has three main elements

  • A cap of £75,000 (which will now be £72,000) on the cost of care anyone would be expected to pay.
  • An increase to £123,000 (now to be £118,000 for those with a home being taken into account and £27,000 for those without a home being taken into account) (from £23,250) in the amount of savings someone can have and still get some contribution to the cost of care.  
  • A guarantee that no-one would have to sell their home in their lifetime to pay for care

The scheme will cost an extra £1 billion a year by 2020 and help an extra 100,000 people with the cost of long term care in old age.

What's not to like? 

WITH UPDATED FIGURES 
The £72,000 cap
The cap on care costs of £72,000 is in fact not a cap of £72,000 on care costs. 

1. The figure of £72,000 only covers the cost of the care given in the residential care home. It does not cover the hotel costs of accommodation and food. That will capped at £230 a week or £11,960 a year. Those costs will have to be met even when the Government meets the cost of the care itself.

2. The figure of £72,000 is not the amount the individual has spent. It is the amount of care that could be bought at the rate paid by the local authority. For example, if a local authority was willing to pay £411 a week for the care then £72,000 would buy about 175 weeks of care. So to reach the cap an individual would have to buy 175 weeks of care - whatever price they paid. To buy that same care privately the cost would be more - probably around £530 a week. For the cap to come into play the individual would have to spend 175 weeks at £530 - a total of  £92,750 on care. In addition throughout the 175 weeks - about 3 years 4 months - they would have spent £12,000 a year on hotel costs, another £39,600. So altogether the individual would have paid out £132,350 before the '£72,000' cap was reached. After that the £12,000 a year hotel costs would continue. Because the cost of care varies throughout England, the actual cost that has to be met before the cap is reached will different in every local authority area. Find out what you will need to spend in your area with the BBC Care Calculator

3. If the person reached the cap in their £530 a week care home the local council would still only pay £411 a week. If the home refused to renegotiate a lower figure then the individual would have to find another £119 a week towards their costs. At the moment a top up cannot be paid by the resident themselves, only by relatives or friends. Care Minister Norman Lamb has indicated that rule will be changed to allow the resident to pay. With the hotel charges that would mean an annual cost of £18,148 even after the cap was hit.

Savings limit increased to £118,000
The £118,000 savings limit means that anyone who has capital including an empty home which exceeds that figure will have to pay all of their care home costs, until of course the cap is reached. Below that figure a sliding scale will determine the contribution they make. Based on figures given by the Department of Health someone with £100,000 savings would have to pay £330 a week towards their fees. Someone with £50,000 would have to pay £130 a week. Only if savings fell below £17,500 would the local council pay the whole bill. The income means test will however take almost all the resident's income leaving just £24.40 (2014/15 rate; it will be higher in 2016/17) a week personal expenses.

Your home is safe
This claim is perhaps the most disingenuous of them all. No-one – I repeat NO-ONE, again NO-ONE – can be forced to sell their home to pay for their care at the moment. Some of the estimated 19,000 who do so each year are deceived into it by cash-strapped local councils who wrongly tell them they must, aided and abetted by false headlines in the press. But some of the 19,000 choose to use the value of their home to pay for better care than the local council will give them. And why not?

Instead of selling their home a resident can enter into a deferred payment arrangement, which was introduced by the last Government in October 2001. It was “to ensure that people…are not forced to sell their homes as soon as they enter residential care.” It would “help…people who do not want to have to sell their homes in their lifetimes to pay for their care by making loans more widely available”.

Over the years the scheme has become compulsory. In 2009 the Department of Health issued a circular LAC (DH)(2009)3 which said Ministers expected councils to offer deferred payment schemes and “it is the Department’s view that if a local authority were to have a policy of never exercising its discretionary powers to make deferrals, it is likely the courts would find this to be unlawful.”

The most recent figures showed that 8,500 people are currently in such schemes with a total debt of £197 million – an average of £23,000 each. Lawyer Lisa Martin of Hugh James confirms that in her long experience anyone who asks for a deferred payment arrangement – and insists they have a right to it – will get one. But even if they don’t all they have to do is refuse to pay. The local council still has to provide care and take a charge against an empty home so the bill is paid after death. That power was given thirty years ago in s.22 of the Health and Social Services and Social Security Adjudications Act 1983 (HASSASSA).

In either case no interest is charged on the debt while the resident is in care and that concession lasts for an extra 56 days after death with a deferred payment scheme.

Those are the rules now and they apply throughout the UK. The Government plans to replace them in England by a universal deferred payment scheme that local councils will have a legal duty to apply. So far so good. It will take hassle away. But under the new scheme interest will be charged on the debt from the moment it begins. And the backstop provision under HASSASSA will be repealed. That new scheme will begin in April 2015, one year before the other reforms. 

The price
The extra cost of the new scheme will be around £1 billion a year in 2019/20 though official figures show it at almost £2 billion by 2025/26. It will be paid for by two sources of money. 

1. The Chancellor has done a u-turn and reversed a promised rise in the threshold at which inheritance tax becomes payable. It will now not rise by £4000 in 2015/16 but will stay frozen at £325,000 until the end of 2017/18. That will pay for about a fifth of the cost. It will be an extra tax of £1600 on estates in 2015/16 and £7120 or more by 2019/20 compared with an increase in the threshold in line with inflation.
2. The other four fifths will come from the extra revenue generated by changes to National Insurance which are part of the state pension reform announced on 14 January. Then it was said to be revenue neutral year by year. In other words extra costs would be balanced by extra income or savings. Now, three weeks later, there is what is called 'headroom' to fund four fifths of the care reform package. No figures have been given to justify this claim.

The changes to inheritance tax and national insurance apply throughout the UK. So unless some specific provision is made, the tax generated from Scotland, Wales, and Northern Ireland will be used to fund the care reform package in England. 

The gainers
The new expenditure will go mainly to the richest. Department of Health analysis shows that in 2025/26 the extra cost will be nearly £2 billion and of that about £710m will go to the richest fifth of the population and an extra £640m to the second richest fifth. So that richest 40% of people will get more than two thirds of the extra money. About £420m extra will go to the middle fifth, and £210 million to the second to poorest fifth. That 40% of the population get just under a third of the extra subsidy between them. The poorest fifth will get no more money spent - their care costs are met in full already. NB these figures are my estimates from a Dept of Health graph. The figures behind it are being kept a state secret. FOI is in. 

Conclusion
The new scheme will still be a highly complex mixture of a means-test on income and assets topped off by a cap fixed in terms of care provided which will differ in amount in every local authority area. The biggest share of the extra cost of the new scheme will go to the better off - more than a third of it will go to the richest 20% of those in care. The new scheme for protecting the value of a home will in fact cost individuals more than the present scheme. And English care costs could be subsidised by extra taxes raised in Scotland, Wales, and Northern Ireland. 

What's not to like?