Don't count on insurers to help you pay for long-term care

The government has told us that long-term care reform will help one in eight with the cost of care but the reality is that far more people will be left with huge bills and no means of mitigating the cost.

When it decided to put the £72,000 cap on care costs in place the government was hoping that it would mean the insurance industry would step up to the plate and provide a new insurance product that would cover the £72,000 cost people will have to pay.