Why care needs care

I would like to highlight an issue that is likely to affect us all, directly or indirectly. As more and more of us are living longer, how will we pay for the care of frail, elderly family members?

Many might never have never considered this, or think that the government will cover the cost. That is not usually the case. Anyone with assets or income over £23,250 has to fund themselves.

While billions of pounds are spent on the NHS, care is funded by local authorities, whose budgets are under unprecedented pressure. They have cut care funding, resulting in regular recent scandals of care-home failures or neglect, and poor elderly care. We want better than this for ourselves or our loved ones.

Of course, the Jewish community's strong family traditions help ensure that older relatives are lovingly looked-after and marvellous care institutions are dedicated to looking after the most vulnerable members of our community. But care still needs to be paid for. If a loved one becomes incapacitated or needs care at home or in a residential institution, you and your family suddenly face huge costs (often well over £400 a week). You need urgent specialist financial advice as paying for care can be complex, so you should explore all the options.