Question to the Department of Health and Social Care:

To ask His Majesty's Government, following their decision to cancel the cap on social care costs, what plans they have to raise public awareness of the availability of 'immediate needs annuity' and 'deferred needs annuity' policies offered by insurance companies to allow individuals to fund their later life social care costs.

The Government inherited an undeliverable commitment to implement charging reforms in October 2025, as funding was not guaranteed and preparations for full rollout were not on track. Whilst there are no current plans to promote specific private insurance products for funding future social care costs, we have announced the independent Casey Commission into adult social care as part of our critical first steps towards delivering a National Care Service.

The Commission will consider the long-term transformation of adult social care, including what long-term and sustainable funding solutions should look like. It will build on the expert proposals of other reviews, including that of Sir Andrew Dilnot, into care funding and support.