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The government’s reforms to long term care, elements of which are supposed to take effect in 2015, included provisions requiring local authorities to collect care home charges via a ‘deferred loan scheme’ from the sale of a property after the owner’s death.

Now a consultation document suggests that this will only apply if the individual has spent almost all their capital and has less than £23,250 (excluding the value of their home). The result, says the Sunday Times, is that a scheme claimed to solve a middle-class problem will now only benefit the poorest.

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