Mots clés : assurance, financement, remboursement, système financier, lois, gouvernement.
Dans cet article, l’objectif des auteurs et de mettre en avant le nouveau système de soins au Royaume Unie et de proposer un moyen de financement plus simple et sans obligation de plafond de remboursement.
Développement :
Cet article met en avant le nombre de citoyens du Royaume-Uni, âgés de plus de 75 ans, qui va doubler et ainsi passer à 10 millions d’ici 2040. L’auteur met également en avant le fait qu’actuellement 1,3 million de personnes bénéficient déjà des services de soins (sociaux) en Angleterre.
Le financement de ces soins sociaux est un défi politique majeur pour le Royaume Uni et le gouvernement a lancé un ensemble de réformes pour financer ces soins sociaux sur une base durable. L’auteur nous parle des différentes réformes qui sont conçues pour pousser les citoyens à mieux épargner et ainsi mieux financer les coûts des soins. Un système mixte de financement par les collectivités locales et le secteur privé est également envisagée.
L’auteur met également en avant, deux nouveaux arrangements financiers conçus pour répondre aux besoins des personnes qui sont dans des circonstances financières inquiétante notamment via les garanties logement.
Il s’agit d’un produit d’assurance soutenu par l’équité et par une « banque d’actions ».
Conclusion :
Cet article a voulu montrer qu’une part considérable de la richesse personnelle au Royaume-Uni est contenue dans les garanties logement, qui ont considérablement augmenté ces dernières années. Le Royaume Unie a connu les réformes les plus importantes pour le financement des soins sociaux de son histoire. Le gouvernement est donc tenu de penser que leur système de financement des soins a été accomplie.
Beaucoup espèrent que cela créera des conditions pour un nouveau marché durable de remboursement de soins.
Bibliographie :
Appleby, J. (2013) Spending on Health and Social Care Over the Next 50 years: Why Think Long Term? London: The Kings Fund.
Google Scholar
Colombo, F., Llena-Nozal, A., Mercier, J. and Tjadens, F. (2011) Health Wanted? Providing and Paying for Long-Term Care OECD Health Policy Studies Paris: OECD Publishing.
Google Scholar
Comas-Herrera, A., Wittenberg, R., Costa-Font, J., Gori, C., Di Maio, A., Patxot, C., Pickard, L., Pozzi, A. and Rothgang, H. (2006) ‘Future long-term care expenditure in Germany, Spain, Italy and the United Kingdom’, Ageing & Society 26(2): 285–302.
CrossRefGoogle Scholar
Costa-Font, J., Wittenberg, R., Patxot, C., Comas-Herrera, A., Gori, C., di Maio, A., Pickard, L., Pozzi, A. and Rothgang, H. (2008) ‘Projecting long-term care expenditure in four European Union member states: The influence of demographic scenarios’, Social Indicators Research 86(2): 303–321.
CrossRefGoogle Scholar
Commission on Funding of Care and Support (2011) Fairer Care Funding: The Report of the Commission on Funding of Care and Support, London: Her Majesty’s Stationery Office, www.webarchive.nationalarchives.gov.uk/20130221130239/
www.wp.dh.gov.uk/carecommission/files/2011/07/Fairer-Care-Funding-Report.pdf, accessed 12 February 2014.
Department of Health (2013a) ‘Social care funding reform impact assessment’, www.parliament.uk/documents/impact-assessments/IA13-14C.pdf, accessed 5 January 2016.
Department of Health (2013b) Draft National Minimum Eligibility Threshold for Adult Care and Support: A Discussion Document, London: Her Majesty’s Stationery Office, Department of Health.
Equity Release Council (2014a) ‘What is equity release?’, www.equityreleasecouncil.com/what-is-equity-release/, accessed 12 February 2014.
Equity Release Council (2014b) ‘Statement of Principles v.4’, www.equityreleasecouncil.com/document-library/statement-of-principles-v4-approved-nov-2014/, accessed 24 February 2016.
Equity Release Council (2015) Unlocking the potential: The future of equity release, http://www.equityreleasecouncil.com/document-library/white-paper-unlocking-the-potential-the-future-of-equity/, accessed 5 January 2016.
Forder, J. (2007) Self-funded social care for older people: An analysis of eligibility, variations and future projections, PSSRU discussion paper 2505, Commission for Social Care Inspection, London.
House of Lords Select Committee on Public Service and Demographic Change (2013) Ready for Ageing? London: The Stationery Office Limited.
Institute and Faculty of Actuaries (2015) How pensions can help meet consumer needs under the new Social Care regime: An Overview, report by the Products Research Group of the Pensions and Long Term Care Working Party, www.actuaries.org.uk/research-and-resources/documents/how-pensions-can-meet-consumer-needs-under-new-social-care-regime-a, accessed 5 January 2016.
Jagger, C., Matthews, R., Matthews, F., Robinson, T., Robine, J.-M. and Brayne, C., the Medical Research Council Cognitive Function and Ageing Study Investigators (2007) ‘The burden of diseases on disability-free life expectancy in later life’, Journal of Gerontology A: Medical Sciences 62(4): 408–414.
Google Scholar
Just Retirement (2012) The Role of Housing Equity in Retirement Planning, Reigate, U.K.: Just Retirement, www.erresearchcentre.org/wp-content/uploads/2012/07/The-role-of-housing-equity-in-retirement-planning.pdf, accessed 12 February 2014.
Kings Fund, The (2014) A new settlement for health and social care—Final report. Commission on the Future of Health and Social Care in England. London: The Kings Fund.
Karlsson, M., Mayhew, L. and Rickayzen, B. (2007) ‘Long term care financing in four OECD countries: Fiscal burden and distributive effects’, Health Policy 80(1): 107–134.
CrossRefGoogle Scholar
Karlsson, M., Mayhew, L., Plumb, R. and Rickayzen, B. (2006a) ‘Future cost for long term care: Cost projections for long term care for older people in the United Kingdom’, Health Policy 75(2): 187–213.
CrossRefGoogle Scholar
Karlsson, M., Mayhew, L. and Rickayzen, B. (2006b) Investigating the market potential for customised long term care insurance products, Actuarial Research Paper No. 174, Cass Business School, London.
Masson, A. (2012) Le viager: Une épargne pour vieux pauvres, www.tdte.fr/uploads/40_E-note%205%20-%20Le%20viager,%20une%20%C3%A9pargne%20pour%20vieux%20pauvres.pdf.
Mayhew, L., Karlsson, M. and Rickayzen, B. (2010) ‘The role of private finance in paying for long term care’, Economic Journal 120(548): F478–F504.
CrossRefGoogle Scholar
Mayhew, L. (2009) ‘On the effectiveness of care co-ordination services aimed at preventing hospital admissions and emergency attendance’, Health Care Management Science 12(3): 269–284.
CrossRefGoogle Scholar
Mayhew, L. and O’Leary, D. (2014) Unlocking the Potential London: DEMOS, www.demos.co.uk/files/Unlocking_potential_-_web.pdf?1393180449, accessed 25 February 2016.
Mayhew, L. and Smith, D. (2014a) The U.K. Equity Bank—Towards Income Security in Old Age London: International Longevity Centre – UK (ILC-UK), www.ilcuk.org.uk/index.php/publications/
publication_details/the_uk_equity_bank_towards_income_security_in_old_age, accessed 25 February 2016 39(4): 668–692.
Mayhew, L. and Smith, D. (2014b) ‘Personal care savings bonds: A new way of saving towards social care in later life’, The Geneva Papers on Risk and Insurance—Issues and Practice 39(4): 668–692.
CrossRefGoogle Scholar
Pickard, L., Comas-Herrera, A., Costa-Font, J., Gori, C., Di Maio, A., Patxot, C., Pozzi, A., Rothgang, H. and Wittenberg, R. (2007) ‘Modelling an entitlement to long-term care services for older people in Europe: projections for long-term care expenditure to 2050’, Journal of European Social Policy 17(1): 33–48.
CrossRefGoogle Scholar
Royal Commission on Long Term Care (1999) With Respect to Old Age: Long Term Care—Rights and Responsibilities Royal Commission on Long Term Care, Cm 4192-1 London: Her Majesty’s Stationery Office.
Terry, R. and Gibson, R. (2012) Assessment of Equity Release Pilot Schemes, York, U.K.: Joseph Rowntree Foundation.
Google Scholar
Wanless, D., Forder, J., Fernández, J.-L., Poole, T., Beesley, L., Henwood, M. and Moscone, M. (2006) Securing Good Care for Older People—Taking A Long-Term View, London: The Kings Fund.
Google Scholar
Wittenberg, R., Pickard, L., Malley, J., King, D., Comas-Herrera, A. and Darton, R. (2008a) Future demand for social care, 2005 to 2041: Projections of demand for social care for older people in England [online], PSSRU discussion paper 2514, PSSRU website, www.pssru.ac.uk/pdf/dp2514.pdf, accessed 5 January 2016.
Wittenberg, R., Malley, J., Comas-Herrera, A., Fernández, J.-L., King, D., Snell, T. and Pickard, L. (2008b) Future demand for social care, 2005 to 2041: Projections of demand for social care and disability benefits for younger people in England [online], PSSRU discussion paper 2512, PSSRU website, www.pssru.ac.uk/pdf/dp2512.pdf, accessed 5 January 2016.