'Care insurance' planned for old

"Older people in England could be asked to take out insurance to pay for long-term care in their old age."

"The current means-tested system for elderly and disabled people is widely regarded as unfair with ministers going as far to call it a "cruel lottery".

But the Tories said the government broken promises on the issue.

The government admits the current system is struggling to cope with the huge pressures already being put on existing care services.

Experts warn demand for social care is likely to intensify as the population ages."

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