Hi ivanhoe - I know you think I must be callous, but really I'm not, I used to help my late elderly and latterly Alzheimers affected neighbour, I'd visit her every day, take her bins out, etc., and I even slept over at her house a few times when she was very confused and scared and didn't want to be alone. She DID go into a home for the last few months of her life (and she was uttely miserable there.)
But about the business of heating being affordable or not - I think the winter fuel payment must just about make heating affordable in most circumstances?
My combined gas and electricity bill, spread throughout the year, is £79 a month (it might be £89, but I don't think so.) I am a bit mean with the heating - mind you I live in a biggish, old and cold house and only work part time as I'm not many years off retirement myself. So I'm at home a lot.
Call it £1,000 a year. Take away the winter fuel payment and if I were already pension age, then I'd be paying £750 for fuel - that's sixty something pounds a month, spread through the year. Fourteen pounds a week. I don't think that would make me have to choose between heating and eating, if I had £140 or £150 a week pension credit.
If you are on the Guarantee type of pension credit you can get housing benefit or council tax benefit on top, you know. If you're on the savings credit, then your basic income is above the guarantee credit level, so you have a bit more dosh.
I don't know why Britain is high in the league for old people dying during the winter. I don't think we ARE particularly neglectful of our old people as a nation. I think we are independent people though, maybe that's why we don't ask for help when we need it, sometimes.
If an old person has a fall and lives alone, even in a reasonably heated house, hypothermia is a risk, as he/she might be unable to summon help for a long time. I've read lots of times about old people falling in the bathroom and having to cover themselves with just a towel until eventually someone realises something may be wrong, and gets into the house to help them. Sometimes it's too late. Old age can be cruel, and often is.
Sheltered flats are good. The blocks are always hot, and the communal heating bill is shared between everybody in the service charge. But sometimes even then, people complain about feeling cold - it's the lack of mobility.
The basic pension is low, yes it is, but nobody HAS to live on that, and we boomers have had a lifetime to make provision for living above pension credit level, if we are worried about managing. And people who are really frail can get Attendance Allowance, no matter what their income, to help their day to day living.
If I hadn't been saving a little bit throughout my life and I were retired now, I WOULD be needing a bit of pension credit top up - maybe I'd get about £10 a week worth, & I'd then claim and get council tax benefit as well.
When I was working for the pension service, the people I felt most sorry for were the ones JUST above the level where they could get a bit of state help, because effectively they were no better off than the ones who hadn't saved - but you always get situations like that, and the pension credit system is a lot better than the one which preceded it.
I think it's wrong that very wealthy people get winter fuel payments - a lot of money is handed out to people who really don't need it. Joan Bakewell tried to hand hers back, but there's no mechanism for accepting it, and it's said it would be more expensive to administer a scheme where some get it and some don't, than just to keep it universal. That does mean a LOT of winter fuel money is being wasted which could be spread around more equitably.
I feel sorry for old people who can't manage, ivanhoe, I really do. But I think the time in people's lives when things are at their toughest is when they're YOUNG and have first taken on a mortgage and possibly also are starting a family. That's a very, very hairy time indeed. I hated looking at my bank statements and seeing I went 'over' a bit, every month for a while when I first got a mortgage. Horrible.
Vulnerable old people need family or friends' help to make sure they can live decently and comfortably. I know they often don't get that, but I really believe it's help and organisation they need to live comfortably; money is a lesser problem.
My part time job is with old people.