Originally Posted by nomadking

Theoretically what is there to stop you spending the £86,000 cap in a shorter period of time? If you choose a more expensive care home, where is the extra going to come from? If it comes from their assets, that £86,000 will soon disappear.
Those with £20K-100K assets, will have to have a non-house based asset surplus to cover their required contributions, or else they will have to sell the house at some point in time.
When people get to that stage, that can't do anything with those assets other than spend it on their care. Why should the taxpayer be expected to pick up the tab for those with over £100,000 in assets, after reaching the £86,000 cap?