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Personal Care at Home Bill

As the hon. Gentleman has asked me that, I shall turn to something that I was going to say later. I agree with his last point: of course the policy will require there to be an objective assessment of need to enter long-term residential care, otherwise insurance providers would run the risk of people choosing to go into residential care when they did not require it. However, I do not agree with his interpretation of the numbers. I have set out clearly that we are operating on the basis of people paying about £8,000 at age 65. There is then a considerable period before the average point at which people enter care, which will allow that fund to accumulate. As he says, about £25,000 or £26,000 is the current figure per year, for just over two years on average, which means that there will be a cost of about £50,000 a person for the one in five who enter long-term care—£10,000 per person insured—to be funded by the approximately £8,000 that they originally paid in, which will have accumulated more over a period of time. I am grateful to the hon. Gentleman for allowing me to make it clear that the numbers are straightforward.