Everyone will be protected against catastrophic costs by the insurance the cap provides from April 2016, in line with the Dilnot commission’s recommendations. We are working through the detail of how it will operate in partnership with stakeholders. We will publish draft regulations and guidance for consultation towards the end of the year.
I thank the Minister for that statement. I have constituents who are very concerned about how they will continue to fund ongoing care costs in the interim period, when the proceeds of an asset or house sale have dissipated. What reassurance can my hon. Friend give my constituents?
I thank my hon. Friend for that question. Another reform that we are introducing is universal access to a deferred payment agreement for everyone who would otherwise be forced to sell their home to pay for care—something of which we should be very proud. That will be introduced in April 2015 and it will mean that no one has to sell their home during their lifetime to pay for their care.
The amount that will count towards the clock running to reach the cap will be based on what the local authority determines will be the cost of meeting a person’s eligible care needs. That is exactly the model that Andrew Dilnot recommended, and we are implementing it as he recommended.
I pay tribute to the right hon. Gentleman for his tireless campaigning on diabetes. He has played an essential role in ensuring that it is brought to public attention. It is critical that people who require care for diabetes get access to the care they need, whether they are living in a care home or in their own home.