Redhelen, our elderly were young once, they had a life, which involved having families, and working, they paid tax, national insurance, and those that could bought property for their security. Now that they have grown old, and their pension isn't enough to live on, and it isn't, and say a husband or wife dies, or one of them has alzheimers, dementia, the only real option is a care home, the costs of which are prohibitive. So to fund this care you sell the house, which perhaps you would like to have bequeathed to your family, that in many cases isn't possible now.
Care homes can cost a thousand a week, so your house sale won't go far. Not fair, if you have nothing, then i believe the council will pay the full cost of a care home.
I have seen first hand, how hard it is for anyone to get help from social services, NHS home nurses, and so on, and thats not how it should be. Of course i don't have the answer, i wish i did, but i do know this, i have seen the very worse there is on offer to the elderly, many who do fall through the financial net, and its not right.
As they say you can only speak from experience, and i have