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Is ending the triple lock to fund a care service fair....

712 replies

mids2019 · 29/09/2026 08:14

To me this is actually not a hugely left wing proposal as middle classes with occupational and private pensions will not notice the reduced increases in state pension significantly.

However poorer pensioners with little other pension provision may be impacted a lot to essentially fund a care service that will be disprotioanrly help the middle classes as their life expectancy is greater.

Is it fair that our poorest pensioners get less to support a care service which would mean a millionaire pensioner would not nèed to sell their assets to access it?

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Imdunfer · 29/09/2026 20:14

hyggetyggedotorg · 29/09/2026 20:12

Once social care is free you think the demand will be higher?

Do you really imagine people wanting to have strangers in each day to shower & feed them just because it’s free?

It won't be up to whether they want it or not, it will be up to whether the people doing the care realise they aren't going to lose whacks of their inheritance if they withdraw their services.

Yes of course demand will rise.

Binnyforthewin · 29/09/2026 20:15

hyggetyggedotorg · 29/09/2026 20:12

Once social care is free you think the demand will be higher?

Do you really imagine people wanting to have strangers in each day to shower & feed them just because it’s free?

I think it will increase demand. Not from the people being cared for themselves, but sadly from a proportion of the families who care for relatives themselves. Some will be less inclined to look after granny themselves if can get free care.

the80sweregreat · 29/09/2026 20:15

Will social care be much better with this? I really can’t see it myself. Happy to be told I’m wrong , but I haven’t much faith in governments doing this properly really.

Interested in this thread?

Then you might like threads about these subjects:

Imdunfer · 29/09/2026 20:18

Binnyforthewin · 29/09/2026 19:25

Surely he can't mean just home care not including residential care? That would be completely disingenuous. It would be like saying the NHS was free at the point of use and not including hospitals.

It can't include residential care. Residential care is now around £100,000 a year, more for dementia and nursing.

If that's free, demand will rise because people will realise that they are still going to inherit their parents' house if they withdraw their care for them to stay in their own home.

And then you have the situation where people with no inheritance are paying extra tax so that other people can inherit from their parents. That would be grotesquely unfair.

countrygirl99 · 29/09/2026 20:20

Binnyforthewin · 29/09/2026 20:15

I think it will increase demand. Not from the people being cared for themselves, but sadly from a proportion of the families who care for relatives themselves. Some will be less inclined to look after granny themselves if can get free care.

And some will be more able to convince their parents to accept outside care rather than grind their DC (usually the daughter) into the dust because they don't want to pay.

hyggetyggedotorg · 29/09/2026 20:20

Imdunfer · 29/09/2026 20:14

It won't be up to whether they want it or not, it will be up to whether the people doing the care realise they aren't going to lose whacks of their inheritance if they withdraw their services.

Yes of course demand will rise.

You mean relatives who currently give care will stop doing it? You could well argue it’s not ideal to give personal care to relatives anyway. The amount of family carers I’ve seen at breaking point, at least this will help maybe.

I work in the field & just can’t see people having unnecessary care - and no doubt it will all still need to be approved by social services. I don’t imagine it’s going to be an on demand service without an assessment.

HoraceCope · 29/09/2026 20:20

hyggetyggedotorg · 29/09/2026 20:12

Once social care is free you think the demand will be higher?

Do you really imagine people wanting to have strangers in each day to shower & feed them just because it’s free?

what is the alternative?

the80sweregreat · 29/09/2026 20:24

Loads of people will want free carers in the home.
Of course costs and demands will be so high. It’s obvious.

hyggetyggedotorg · 29/09/2026 20:25

HoraceCope · 29/09/2026 20:20

what is the alternative?

I think you’ve either misunderstood me or my point was not clear enough.

I can’t see people wanting carers in to give personal care unnecessarily. I think demand will only rise in line with the ageing population, as it would have anyway. I don’t see extra people wanting care just because it’s free.

Binnyforthewin · 29/09/2026 20:28

hyggetyggedotorg · 29/09/2026 20:25

I think you’ve either misunderstood me or my point was not clear enough.

I can’t see people wanting carers in to give personal care unnecessarily. I think demand will only rise in line with the ageing population, as it would have anyway. I don’t see extra people wanting care just because it’s free.

But you've literally just posted scenarios where they would want extra care provided because it was free? You implied you had seen lots of family carers who were ground down and this would help? Which is an increase in demand....

hyggetyggedotorg · 29/09/2026 20:28

the80sweregreat · 29/09/2026 20:24

Loads of people will want free carers in the home.
Of course costs and demands will be so high. It’s obvious.

But the proposal is just to take the cost of the care away? Not the mandatory eligibility assessments for social care? I’m imagining the assessment will still be the same just minus the financial assessment. And care will still be as tricky to get as it currently is.

hyggetyggedotorg · 29/09/2026 20:31

Binnyforthewin · 29/09/2026 20:28

But you've literally just posted scenarios where they would want extra care provided because it was free? You implied you had seen lots of family carers who were ground down and this would help? Which is an increase in demand....

Those families end up having carers anyway. That’s not increased demand, it’s the same people. They may accept help sooner, but that’s not a massive increase in demand.

the80sweregreat · 29/09/2026 20:31

There will be a huge increase in demand. More jobs , but those new people need to be trained and be able to run a reliable car, especially in rural areas. More money for them to do the job well. Even then it’s a lottery if you get people who want to do a good job or told to do it because they are unemployed and have to find a job. I can see a lot of pitfalls , however well intentioned it all sounds on paper.

Allseeingallknowing · 29/09/2026 20:35

Surely the idea was for free care in nursing homes, care and accommodation. If not what’s the point. He said people wouldn’t have to use their assets

Binnyforthewin · 29/09/2026 20:35

hyggetyggedotorg · 29/09/2026 20:28

But the proposal is just to take the cost of the care away? Not the mandatory eligibility assessments for social care? I’m imagining the assessment will still be the same just minus the financial assessment. And care will still be as tricky to get as it currently is.

Edited

That's a shame I was hoping the care provision might improve.

the80sweregreat · 29/09/2026 20:37

No, it’s not for residential care. That would bankrupt the country ! I did think it might be at first , but only because I didn’t think about it and haven’t seen the news today! it did sound too good to be true though

Binnyforthewin · 29/09/2026 20:37

Allseeingallknowing · 29/09/2026 20:35

Surely the idea was for free care in nursing homes, care and accommodation. If not what’s the point. He said people wouldn’t have to use their assets

Edited

Quite agree. It would like the NHS being free for GPs but charging for hospitals. Not unhelpful but hardly solving the problem.

BobbiBiscuits · 29/09/2026 20:39

Really not sure why people are discussing this with any seriousness. He's not 'brave' for 'proposing' it. It's all nonsense. Labour won't be in charge by 2030, and even if in the slim case they are, he won't be PM, and even if they are in power and he is still PM, he won't go ahead with it, obviously. Incredible people are taking this seriously. Suppose the tv and news paps need columns to fill and things to talk about on this merry go round

whywaitallnight · 29/09/2026 20:42

For the “but they paid in!!!” crowd, they fundamentally did not. It is a state benefit.

Imagine if 22% of universal credit claimants were millionaires.

Is ending the triple lock to fund a care service fair....
Allseeingallknowing · 29/09/2026 20:44

I think many will be disappointed when they realise this!

the80sweregreat · 29/09/2026 20:45

I agree with Bobbi below. It’s all pie in the sky. Free care homes , that would be a vote winner but bankrupt the country in the process and dementia patients will still be treated as second class citizens sadly.

the80sweregreat · 29/09/2026 20:49

The PM wanted to end rough sleeping , how’s that going? He has some nice ideas, but it all feels too wishy washy really.

BIossomtoes · 29/09/2026 20:51

Imdunfer · 29/09/2026 20:14

It won't be up to whether they want it or not, it will be up to whether the people doing the care realise they aren't going to lose whacks of their inheritance if they withdraw their services.

Yes of course demand will rise.

The demand is already there, there isn’t enough money to fulfill it.

BIossomtoes · 29/09/2026 20:52

the80sweregreat · 29/09/2026 20:49

The PM wanted to end rough sleeping , how’s that going? He has some nice ideas, but it all feels too wishy washy really.

Give him a break, he’s only had the job for ten weeks.

Raiderofthelostbattenburg · 29/09/2026 20:56

NorthXNorthWest · 29/09/2026 19:58

Sadly, a proper politician who rides into power Brutus-style, uncontested, then thanks Caesar for the opportunity...

He brings “hope and unity”. Are we supposed to forget the very recent divisive North v South rhetoric, or the contempt shown for workers earning over £45k? Elderly homeowners? People who send their children to private school?

Then comes the absolutely extraordinary contradiction on aspiration.

The burden of student loans. A hopeful pause...a solution at last? Burnham acknowledges how unfair they are and that young people need help... His solution? Easier access to yet more cheap debt to buy a home (we all know how that will go when interest rates rise) because not everyone has the “Bank of Mum and Dad”.

Yet almost in the same breath, he tells the moving story of his grandmother: a woman who worked hard, bought her own home and wanted to leave it to her children. He thought it was wrong that she had to sell it to pay for her care.

So which is it?

Was his grandmother's desire to pass the fruits of her work to her children admirable working-class aspiration, or is the Bank of Mum and Dad an inequality government needs to correct? I would genuinely love to know. And if she were alive today, would the fruits of the much respected and appreciated work ethic that allowed her to buy that same house be dismissed as “unearned wealth” and potentially subjected to further property taxes?

You can't celebrate your own grandmother's attempt to pass something on to her children, then treat other parents succeeding in doing exactly that as part of the problem. But maybe this is where the growing sense of entitlement to other people's assets comes from. The welfare state was created to provide a safety net, not to guarantee equal inheritances and equal retirements. His father missed out on the Bank of Mum and Dad, so AB and Labour have decided that those who have worked and saved to have more than the minimum can be the "Bank of Mum and Dad" for random strangers who want to avail themselves of free social care and any other free stuff that the government should be providing through normal taxation and growing the economy.

Working-class aspiration apparently deserves celebrating until it succeeds. Then you tax it until it knows its place.

And, of course, the rot is all down to the Conservatives.

It was also so refreshing and unexpected to hear that crude cuts were not the answer.🙄

All aboard the gravy train...

Plus ça change.

Genuinely, if that’s what you heard when you listened to that speech, then fair play to you. I get the impression you had made up your mind you weren’t going to like it long before the Prime Minister actually opened his mouth.

I hadn’t and I was genuinely moved, inspired and galvanised by it.

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