Caring for the elderly: an expert answers your questions on paying for care

The vexed question of how to pay for the care of the elderly, and adults with disabilities, has been highlighted by the recent recommendations of the Dilnot Commission.

In his independent report to the government on reforming the system in England, Andrew Dilnot said that individuals should not have to pay more than the first £35,000 or so of their care costs (as opposed to their so-called hotel costs) during their remaining lifetimes.

And they should not have to pay even that if their assets, including their homes, were worth less than £100,000.

We asked you to submit questions about paying for care to Philip Spiers, of the advice service FirstStop. Here are his answers.
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