Article: Pay today or the care you will need in your old age; CREATE YOUR OWN WELFARE STATE.

Byline: SALLY HAMILTON

THOUSANDS of elderly people may have been forced to find millions of pounds for nursing home care after health chiefs wrongly made them pay. In the final part of Financial Mail's series on making a personal welfare state, we investigate how to cope with the crippling costs of long-term care.

FEW events in life cause as much stress as preparing to go into long-term care.

A typical monthly mortgage repayment of pound sterling300 pales by comparison with care home bills averaging pound sterling1,800a-month.

The harsh fact is that anyone with savings of more than pound sterling19,000 will have to meet all their own ...

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