As the Care Bill moves to the Commons, there is a growing acceptance that anyone entering assessment for long-term care should be guided towards full financial advice.
Reform of the social care system has edged a little closer with the Care Bill now being considered by MPs after completing its passage through the House of Lords.
So what progress has been made since the opening debate in May and where do we go from here?
Described as “the most significant reform of care and support legislation in 60 years”, the objective is to create a modern framework for care in England that is affordable given the rapidly ageing population and pressure on public finances.
Caring for the elderly is an expensive business and a key part of the reforms is laying out who should pick up the tab – the individual or the state.
The Government has accepted the Dilnot Commission’s recommendations for a cap on care costs and a universal deferred payment scheme. But the success of the reforms will depend on ensuring people fully understand their financial responsibilities and can plan for care costs in advance.