To worry about the Tory plans after this budget

[bobbywash]

and I accept the election may derail all of this but.....

The chancellor has said an additional 30bn worth of cuts needs to be made in the next parliament for their figures to work.

Now bearing in mind the ring fenced NHS budget and the (wavering) commitment to the education budget and pensions. Where the heck are an additional 30bn of cuts going to come from.

Is there anything left to cut

In what way do you think it fair and right that I should work an 18 hour day for that money?

you asked if it is right that because they are your family you should be paid less, and I said yes because people all over care for their families and no one else for free.

it sounds like it would have cost the public much more if care was done professionally and you kept your job. I for one would be happy if the public paid the extra cost. that's what the safety net is supposed to be for.

Yes fair point. I have just known that I can never get any kind of disability or health insurance. Even travel insurance is extortionate.

Well, that's absolute crap. I think this is a serious hole in the system and I'd be hopping mad, but it seems like people in the UK are pretty casual about insurance. I'm American and my father was in risk management, I was raised to understand that insurance is paid before groceries, so there you go.

Yes, cause professional care is fab. Mine, they couldnt find someone who could do the hours, so for the year between the council approving the requirement and my dh being made redundant, i suffered every day and did a piss poor job of managing.

Goodbye - But there is no point in getting insurance, if it excludes pre existing conditions. Because the reality is that my condition has a massive impact on other elements of my health. It would have to be something lik an accident, in order for me to prove that an illness or disability had no link to my pre existing condition.

I do always get travel insurance. But that usually involves ringing round specialist insurers to find someone who will actually cover me, never mind that I can afford. I have never actually claimed on any travel insurance, but I know if I did, it would probably be an expensive claim.

Haven't read tft because frankly my blood pressure couldn't take it after the 'well I know families who just can't be arsed to get off their backsides'.

Ffs, even if all the working age adults in one of these despicable households went and got minimum wage jobs (that there aren't enough of) do you really think they could 100% pay their own way?

Of course they couldn't! Working benefits and pensions are the two biggest bills. People already grafting a full time week can't afford to live off their own back.

Use your fucking brain cells and understand the sodding maths. We aren't talking about people who can boot-strap their way up to the middle classes.

We're a supposedly modern society, so what if a tiny proportion of people live off the state? It's not exactly something to aspire to otherwise we'd all be doing it, decades of the welfare state prove its not a popular ambition so stop frothing about 'encouragement'.

I'd rather such people with low aspirations has shelter and food than beg on the street. We're a civilised society with no need for that to be the case.

We can't all be middle managers can we? To function as a society there will always be those who don't measure up to the current requirements and we have a duty to ensure they have a minimum standard of living relevant to our society. We have always had a deficit of some description - pushing people into ruinous poverty isn't a solution.

But the difference is that holidays are optional. So if I can't afford the travel insurance, I just don't go. Medical care on the other hand has helped to keep me alive. I need the NHS.

I have worked with gov depts for over 20 yrs. The waste and disoeganisation is truly shocking.

I for one would be happy if the public paid the extra cost.
Winterbourne View.
Hilcroft.
Ashfield House.
The list is endless.

mariamin that is why I said it's crap and I'd like to see some intervention here. Everyone should have the option to take out a low-cost policy at 18 or 21 that offers income protection, regardless of pre-existing conditions. I understand your point and I agree with it.

As I said before, the state is never going to provide a consistent standard of living for a high earner should they become disabled. That's not really its role. The state should force insurance companies to take on people with pre-existing conditions for income-protection, and subsidize as necessary.

There is nothing to stop anyone sending a cheque to HRMC should they feel the need for the public to pay more.

Unless of course they mean others...

I don't think the state should subsidise that kind of insurance, even though it would have been a benefit to me. As far as income, the state should make sure that those who can't work, get enough to live on reasonably. It can never replace a good income.
But in the US, it is medical bills that are the leading cause of bankruptcy. Having a decent NHS is crucial.

Thank you keepitsimple0 As Dawndonna has said the amount of money family carers save this country is astronomical.

DH and I have adopted 8 children with disability and complex health needs.
over 34 years we have saved this country over £8,000,000. We are now OAP's and as we are still caring for 5 (9 years-34years) sadly we live in fear of cuts which we know will come.

As OAP's we do not qualify for carer's allowance!! At present we are dealing with heart defects requiring medication X2 epilepsy X2.colostomy x1 infusions X2/week the list goes on I have absolutely no faith in this government!!!

Perhaps we should say "You look after them" but we love them too much and they know this.

Sorry crystal, not attacking you directly, just the mindset.

My question in broad terms is what personal sacrifices are you willing to make, or are you expecting the 'other' to pick up the tab.

We are in a world wide recession, call it what you will with 'evil bankers' or mega corporations and tax avoidence, but everyone who could, left or right leaning has ridden the gravy train over the past couple of decades.

I think we're talking at cross-purposes.

The state shouldn't subsidize income-protection insurance except in cases such as yours.

I agree that the state should provide for disabled people to a reasonably good standard, i.e. somewhere along the average UK income. Anything above that should be sorted out privately.

The US is not a great comparison in terms of medical care, yes. But above and beyond this - carrying disability insurance is pretty standard for professionals in the US, way more so than it is here.

2old,

what cutbacks have you experienced and what kind of support do you get for the five still at home?

No problem, I thought I was missing something! I'm a Nurse and currently I work full time. I can't afford any pension contributions presently so not exactly well off. My DH is self employed and his income fluctuates. What would I do? No idea, but continue go work and pay my national insurance is what I can do presently.

Hi Goodbye Choose between 10 nights a year respite or transport to day services for the oldest 3 had to choose transport for their benefit. Nursing care now only 1 hour/week each for 2 LO's.
Have managed to hang on to 5/nights month for 2 LO's thanks to a brilliant paediatrician.
But my circumstances are not the issue it is the way carers are treated that concerns me. And it will get worse

I don't even think I have the energy to engage with this debate tonight so I shall just simply say : some people on the thread are complete cunts. I rarely wish bad things on anyone but I'm at the point with all the shite I read that I am getting to that point.

Apologies to the non-cunts.

Hope that is not me!!

2old2beamum I think RJnomore is referring to the misanthropic oddbods posting further up.

Cant believe the cuntish comments on here about carers. Derided and looked down on......until it comes to helping stop a case of bed blocking when the relative they care for is discharged at 3am.....because ive seen Mners post on this very board about this happening to them.

Because when the relative they care for is discharged from hospital.....this is the only point when the sun then shines out of carers arses!

Dawn 2old Beyond and any other devoted carer i may have missed

We have one of the highest gaps between the rich and the poor, and one of the lowest rates of child wellbeing (according to unicef). Those things aren't unrelated. We absolutely need fairer redistribution of wealth, ie a better welfare state. Since the recession, only one sector of society has carried on getting richer, and that's the richest 10%. Just the way the Tories like it.

Anyone daft enough to vote them back in needs stringing up, imho.

rj over the next few weeks it's probably going to be easier to remember there are lots of cunts out there .

Winterbourne View

obviously a different problem.

We're a supposedly modern society, so what if a tiny proportion of people live off the state?

but it's not a tiny proportion. one of the biggest bills is housing benefit and a huge number of people dip into that.

I agree, the problem is structural, not feckless people. we don't have housing benefit because people are lazy, we have it because rent is just crazy in a lot of places.

NO Winterbourne is part of the SAME problem......caring not being treated as a job of worth.....hence the low pay.