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I wanted to talk about protecting older people. | :00:23. | :00:28. | |
The Conservative plan to confiscate assets pound for pound from elderly | :00:29. | :00:33. | |
people to pay for their social care is the worst and stupid public | :00:34. | :00:39. | |
policy proposal of recent years, and the nastiest too, in effect, if not | :00:40. | :00:43. | |
in intention. It cannot be allowed to be implemented in its current | :00:44. | :00:48. | |
form. The Prime Minister is effectively proposing a 100% | :00:49. | :00:55. | |
inheritance tax on assets over ?100,000 for those unlucky enough to | :00:56. | :00:59. | |
develop a debilitating, long-term condition that requires domiciliary | :01:00. | :01:06. | |
care, such as dementia or acute arthritis, for instance. Every ?1 | :01:07. | :01:11. | |
spent on care for these and fortunate people will be claimed | :01:12. | :01:15. | |
back from either, at the time they receive it, or from their estate | :01:16. | :01:20. | |
when they die. Now, most policies that intrude on personal finances | :01:21. | :01:26. | |
concern tens of pounds, such as insurance tax rises, for instance, | :01:27. | :01:30. | |
or hundreds of pounds at most, such as Ukip's excellent proposals to cut | :01:31. | :01:35. | |
the cost of living, saving households ?400 a year by taking | :01:36. | :01:40. | |
taxes off domestic energy and other measures. But this Tory death tax is | :01:41. | :01:45. | |
in an altogether different league. It could involve taking tens of | :01:46. | :01:50. | |
thousands or even hundreds of thousands of pounds out of someone's | :01:51. | :01:55. | |
estate, if they have been an lucky enough to suffer an extended, | :01:56. | :02:00. | |
debilitating condition later life. Damian Green seems to feel he is | :02:01. | :02:04. | |
qualified to tell people how much is reasonable for them to pass on to | :02:05. | :02:09. | |
their children, but the financial exposure the Tories are leaving | :02:10. | :02:12. | |
millions of elderly people is not reasonable at all. In fact, this is | :02:13. | :02:18. | |
a Russian roulette approach to paying for social care, and the | :02:19. | :02:22. | |
abrogation of government responsibility. It makes a mockery | :02:23. | :02:27. | |
of the claims of Mrs May and Nick Ahad advisors to be running a | :02:28. | :02:31. | |
communitarian Conservative administration. Just consider | :02:32. | :02:37. | |
typical house prices in parts of the country, particularly but not | :02:38. | :02:41. | |
exclusively in southern England. In Dagenham, for example, average house | :02:42. | :02:48. | |
prices are too good ?95,000. In Thurrock, ?338,000. In Ramsgate, | :02:49. | :02:56. | |
210,000. In Epping, more than ?500,000. Homeowners requiring | :02:57. | :02:59. | |
domiciliary social care are typically people who have paid off | :03:00. | :03:04. | |
their mortgages and therefore owed all or nearly all of the value of | :03:05. | :03:07. | |
the house, so in these ordinary Ingolstadt was that I have listed, | :03:08. | :03:14. | |
anything from 110,000-400,000 will be exposed to the Tory death tax. | :03:15. | :03:18. | |
The Prime Minister seems to wish to avoid scrutiny on heavyweight | :03:19. | :03:23. | |
political programmes in this election. She went on the One Show | :03:24. | :03:28. | |
recently. If she sticks to this policy, her next appearance should | :03:29. | :03:32. | |
be on Total Wipe-out, because that is what she is planning to do to the | :03:33. | :03:36. | |
estates of many elderly people. The Conservatives have created a cult of | :03:37. | :03:41. | |
the leader under Mrs May, but if they persist with this policy in its | :03:42. | :03:45. | |
current form, they will soon find out that this is not North Korea. | :03:46. | :03:49. | |
The British public free thinkers who do not take kindly to being treated | :03:50. | :03:54. | |
like fools. Older voters in particular are not going to | :03:55. | :04:06. | |
brainwashed into voting for Kim Yong-may and against their own | :04:07. | :04:08. | |
interest in such a scale. It is often said that when there is weak | :04:09. | :04:12. | |
opposition, the danger of bad government escalates, and that is | :04:13. | :04:15. | |
what we are seeing with the Tory death tax. Mrs May's Tories think | :04:16. | :04:19. | |
they can do what they like. This policy is not just a dementia tax, | :04:20. | :04:23. | |
it is effectively a tax on all forms of debilitating disease and | :04:24. | :04:27. | |
infirmity that need an elderly person to need social care. | :04:28. | :04:33. | |
Every extra week they live will lead to a further loss of equity and what | :04:34. | :04:40. | |
they can hang onto their children. This will undoubtedly lead to an | :04:41. | :04:44. | |
extra psychological toll on people already with disease. At the extreme | :04:45. | :04:50. | |
end of the spectrum it's likely to make some elderly people feel | :04:51. | :04:55. | |
regretful to still be alive. The Tory policy will also pour some | :04:56. | :05:05. | |
specific knowledge -- anomalies and consequences... What happens, for | :05:06. | :05:13. | |
instance, if a grown-up child is sharing the house but working | :05:14. | :05:18. | |
full-time? Does the house gets sold immediately on the death of the | :05:19. | :05:25. | |
elderly person? If so, that would render someone homeless just as they | :05:26. | :05:30. | |
have lost a parent, or if not, it will lead to anomalies and sculpture | :05:31. | :05:36. | |
of the avoidance. If this scheme is implemented in its present form, it | :05:37. | :05:40. | |
will create a whole new tax avoidance industry, with elderly | :05:41. | :05:44. | |
people piling intellect to release schemes and being given incentives | :05:45. | :05:49. | |
to go on spending sprees to get the remaining value of their assets down | :05:50. | :05:53. | |
under ?100,000. The message from government would be, don't be | :05:54. | :05:57. | |
successful, and don't be financially responsible either. Another even | :05:58. | :06:03. | |
more serious perverse outcome could be that people who need social care | :06:04. | :06:08. | |
refused to accept it and try and model through in order to preserve | :06:09. | :06:14. | |
their estate. With the inevitable result they suffer far more falls | :06:15. | :06:19. | |
and other accidents around the home, which then necessitate long and | :06:20. | :06:22. | |
expensive hospital stays or even bring about their premature death. | :06:23. | :06:29. | |
This is a devastating death tax dreamt up on the back of an envelope | :06:30. | :06:32. | |
and apparently winging its way to the Tory manifesto without | :06:33. | :06:38. | |
consultation with expert opinion, the Cabinet or even the ministers in | :06:39. | :06:41. | |
charge of the policy area in government. It doesn't have to be | :06:42. | :06:48. | |
this way, word governments to make better and different choices on | :06:49. | :06:52. | |
public spending. What is needed first is an immediate and | :06:53. | :06:55. | |
substantial injection of money into the social care system. Because Ukip | :06:56. | :07:00. | |
is prepared to cut unjustified public spending on the Barnett | :07:01. | :07:08. | |
formula, HS2 and overseas aid, we are able to offer just such a | :07:09. | :07:13. | |
financial boost, and will do so when we set out our manifesto on | :07:14. | :07:19. | |
Wednesday. But longer term, we also need an agreed way forward for | :07:20. | :07:22. | |
social care to ensure that risk is fairly pooled and builds our fairly | :07:23. | :07:28. | |
paid. Possible solutions range from a national care service, as set out | :07:29. | :07:33. | |
by Andy Burnham some years ago, to insurance policies and products that | :07:34. | :07:36. | |
people can be encouraged to invest in. The Andy Burnham route may have | :07:37. | :07:42. | |
something to commend it if the public could be assured the | :07:43. | :07:46. | |
resources of a national care service funded out of tax revenue could be | :07:47. | :07:50. | |
protected against freeloading, for instance by new arrivals from other | :07:51. | :07:54. | |
countries. I'm afraid that hurdle would not be cleared if Labour were | :07:55. | :07:59. | |
in government, because Labour has a reputation for being generous to a | :08:00. | :08:03. | |
fault with other people's money. Were I in the shoes of the Tories | :08:04. | :08:09. | |
today, the first thing I would do would be to recognise that Denis | :08:10. | :08:14. | |
Healey's law of holes is now in play. For the uninitiated, I should | :08:15. | :08:19. | |
explain this law is very concise and simply state in regard to a hole, | :08:20. | :08:26. | |
when you are in one, stop digging. Declaring financial war and millions | :08:27. | :08:31. | |
of retired people who spent working life being responsible and building | :08:32. | :08:36. | |
up assets does not amount to compassionate conservatism. It | :08:37. | :08:40. | |
amounts betrayal. So I offer this advice to team Teresa Lu. Why don't | :08:41. | :08:44. | |
you at least offer people a meaningful choice? That is after all | :08:45. | :08:51. | |
what conservatism used to be about. So why not give people an option of | :08:52. | :08:57. | |
chipping in to a voluntary social care costs insurance system run by | :08:58. | :09:02. | |
government from say the age of 50? If people pay in and then need care, | :09:03. | :09:07. | |
they are covered and should not be charged a penny. If, however, they | :09:08. | :09:12. | |
have chosen not to pay in, then at least you would have the semblance | :09:13. | :09:16. | |
of an argument for reclaim the costs from estates after death. If you did | :09:17. | :09:20. | |
this, you could even claim to be adding to your manifesto proposal | :09:21. | :09:23. | |
rather than abounding in it altogether. -- abandoning it. | :09:24. | :09:32. | |
Therefore sparing the blushes of Tarquin without proper stress | :09:33. | :09:36. | |
testing or scrutiny. One could tell from the demeanour of Tory ministers | :09:37. | :09:41. | |
sent out to bat for this policy on the political programmes yesterday, | :09:42. | :09:47. | |
that they knew they were on a loser. So far the conservative newspapers | :09:48. | :09:50. | |
have not really got stuck into the policy with full figure. The ones | :09:51. | :09:54. | |
that care about their readers will do so this week. Because it is an | :09:55. | :10:01. | |
unforgivable attack on the -- responsible and hard-working people. | :10:02. | :10:06. | |
My message to all those who may be hit by the Tory policy but would | :10:07. | :10:12. | |
never eat vote for Jeremy Corbyn's Labour, is simple. Ask yourself what | :10:13. | :10:16. | |
has been the best way to influence the Conservative Party's behaviour | :10:17. | :10:23. | |
and policies in the recent past? And the answer is obvious. By voting | :10:24. | :10:27. | |
Ukip, or at least threatening to vote Ukip, look how it worked on | :10:28. | :10:32. | |
Brexit, look how it is working on grammar schools. So if I were in | :10:33. | :10:37. | |
your shoes, I would tell Tory campaigners on the doorstep that you | :10:38. | :10:40. | |
are going to vote Ukip for a common-sense and fairer approach. | :10:41. | :10:47. | |
And if you do that, there is a strong possibility this policy will | :10:48. | :10:51. | |
be ditched altogether, or at least greatly modified by the end of the | :10:52. | :10:56. | |
week. I want to turn briefly to the second leg of the Tory attack on the | :10:57. | :11:00. | |
elderly, on the issue of winter fuel allowance. The Conservatives tell us | :11:01. | :11:05. | |
they will means tested but will not say at what income level people will | :11:06. | :11:09. | |
lose it. Pensioners can be forgiven for suspecting that vast majority of | :11:10. | :11:14. | |
them would no longer be eligible. The Tories have claimed to be making | :11:15. | :11:19. | |
a principled case against Universalism in this area. And for | :11:20. | :11:23. | |
replacing it with an assessment of need. So how come the very next day | :11:24. | :11:31. | |
after unveiling the plan, the Prime Minister was helping Ruth Davidson | :11:32. | :11:34. | |
to launch a Scottish Tory manifesto that placed to keep the allowance | :11:35. | :11:39. | |
for all pensioners north of the border. --? This is yet another | :11:40. | :11:43. | |
example of the English and indeed the wells being treated as | :11:44. | :11:46. | |
second-class citizens within the UK. There is simply no good reason why a | :11:47. | :11:52. | |
millionaire pensioner in Edinburgh should receive an allowance of up to | :11:53. | :11:58. | |
?300 million -- three to pay full interview will, while pensioners on | :11:59. | :12:04. | |
modest incomes in Essex get nothing. It is the Barnett formula which | :12:05. | :12:07. | |
leads to public spending in Scotland being ?1700 per head higher than it | :12:08. | :12:13. | |
is in England. That is what is behind this. It is another | :12:14. | :12:17. | |
vindication of the Ukip policy of dumping that formula and replacing | :12:18. | :12:21. | |
it with a needs -based funding system instead. So Mrs May's social | :12:22. | :12:27. | |
care plan is not conservative and her winter fuel allowance is not a | :12:28. | :12:33. | |
humanist. Apart from that, I'm sure everything is going fine on the | :12:34. | :12:37. | |
Conservative and Unionist campaign. Thank you. | :12:38. | :12:44. | |
Any questions. Does it matter if you win your seat or your party wins | :12:45. | :12:51. | |
anything at all? I think you may be referring to the point Paul Nuttall | :12:52. | :12:55. | |
made on the television yesterday, which was simply that Ukip has shown | :12:56. | :12:58. | |
it is able to influence the course of politics in Britain without MPs. | :12:59. | :13:04. | |
And indeed one could say that under the current first past the post | :13:05. | :13:10. | |
system, it is proved to date easier for Ukip to get the United Kingdom | :13:11. | :13:13. | |
out of the European Union than it has together MPs elected to the | :13:14. | :13:18. | |
House of Commons. But we hope to change that in this election. We are | :13:19. | :13:22. | |
not expecting an across the board level of voting to match that of | :13:23. | :13:27. | |
2015, but we do believe we are very much more successfully targeting the | :13:28. | :13:32. | |
areas where we are very strong without actually specifying the | :13:33. | :13:38. | |
ranking of are target seats. Do you think comments like that are | :13:39. | :13:43. | |
helpful in terms of getting the vote out? That it doesn't matter | :13:44. | :13:48. | |
necessarily if you have no MPs? I wouldn't say it doesn't matter. It | :13:49. | :13:52. | |
is this the better for Ukip to be represented in the House of Commons | :13:53. | :13:55. | |
as well as to command the support of hundreds of thousands of millions of | :13:56. | :13:59. | |
people as well. We're just making the point that one of the key ways | :14:00. | :14:04. | |
that we have worked in recent years has been frankly to scare the | :14:05. | :14:07. | |
Conservative Party in particular when they step out of line too | :14:08. | :14:12. | |
badly. And that is why I am inviting older people who get knocked up this | :14:13. | :14:18. | |
week by Conservative campaigners, if enough of you say, we are thinking | :14:19. | :14:22. | |
of voting Ukip over this policy, I don't see it lasting beyond next | :14:23. | :14:28. | |
weekend. Harry, you seem amused. | :14:29. | :14:35. | |
Do you have any reaction to the news that the Commonwealth are sending | :14:36. | :14:41. | |
election monitors from Australia and Mauritius to oversee the election? | :14:42. | :14:49. | |
Is that something you welcome? I think our electoral system has a lot | :14:50. | :14:53. | |
of problems around postal voting on demand in some areas. In some | :14:54. | :14:58. | |
inner-city areas I think there have been problems in the past with | :14:59. | :15:03. | |
intimidation of voters. And I think the Electoral Commission have | :15:04. | :15:06. | |
recognised that certain features of the way elections are run, | :15:07. | :15:11. | |
particularly in inner-city areas, are pretty disgraceful. I think | :15:12. | :15:13. | |
there is no room for complacency at all. And if we have visitors from | :15:14. | :15:20. | |
other countries to have a look and monitor, I think that is quite | :15:21. | :15:25. | |
welcome. It doesn't necessarily mean that their own democratic systems | :15:26. | :15:29. | |
are above criticism. I think it is perfectly welcome. Let's have as | :15:30. | :15:34. | |
many eyes on how things are done as possible. Yeah. Go on. | :15:35. | :15:48. | |
If former leader of the Lib Dems was on the radio this morning, waffling | :15:49. | :15:59. | |
on for about half an hour and taking up so much space that he was even | :16:00. | :16:06. | |
cutting his own throat in hand... It was waffle. It is typical of the | :16:07. | :16:21. | |
BBC. They keep pushing the Lib Dems all the time. | :16:22. | :16:25. | |
As you know, I have had some criticisms of the BBC over recent | :16:26. | :16:28. | |
years. We have got a policy of scrapping the licence fee. But I | :16:29. | :16:32. | |
think during an election, they are quite entitled to put on politicians | :16:33. | :16:37. | |
of lots of different parties. And I don't particularly see that | :16:38. | :16:43. | |
increased exposure of Nick Clegg to the masses is going to harm the | :16:44. | :16:47. | |
prospects of Ukip or indeed any other party at all. I think it is a | :16:48. | :16:53. | |
great democratic festival, a general election, so the more Nick Clegg, | :16:54. | :16:55. | |
the better. Anyone else? | :16:56. | :16:59. | |
Thank you very much then. Thanks. The 2017 general election is upon | :17:00. | :17:32. | |
us. Everyday BBC Parliament will have the key speeches from the | :17:33. | :17:33. |