The cost of living in a care home is likely to swallow up half the value of a family house, say researchers.

They found the bills for a typical stay in a home were likely to be between £50,000 and £93,000 – and that the total would mean a loss of between a fifth and a half of the value of an average house.

The estimates, for an insurance firm, measure a family’s loss from the inheritance they would otherwise have expected when an elderly relative needs to go into a care home.

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The cost of living in a care home is likely to range between £50,000 and £93,000 - up to half the value of an average home. Around 160,000 pensioners have to pay their own bills (file photo)

Around 160,000 people living in care homes have to pay their own bills, and in many cases their property is sold or pledged to meet the costs.

The sacrifice of a house is demanded of care residents who have assets or savings above £23,250 – a threshold that means all homeowners must pay their own care home bills.

The analysis for Royal London showed, on average, someone who goes into a care home lives there for two-and-a-half years, paying bills that vary from £554 a week in the North East to more than £700 in the South East.

In the North East, care home bills can cost as much as 56 per cent of the price of a home. But in London, where the average house price is almost £500,000, bills are only 17.9 per cent of a house

The price of that stay in an average home in the North East would take up 56 per cent of the value of a typical house. In the South East the price would be just under a third of the value of an average house.

Researchers said that in some cases residents live in care homes for longer periods, and one in ten stay for six-and-a-half years. Long-term residents are in many cases likely to spend the entire value of their house and more.

The estimates have been drawn up at a time when Theresa May’s government is struggling with the growing difficulty of paying for social care for rising numbers of older people.

Royal London’s Debbie Kennedy said: ‘These figures are a shocking reminder of the huge costs which growing numbers of us will face if we need residential care later in life … The whole system is a lottery and we need to find better ways of supporting people to cope with these large and unpredictable bills.’

Steve Webb, a former Liberal Democrat pensions minister, who now works for the insurance firm, said: ‘Successive governments have failed to grasp the nettle when it comes to care costs … The Government’s plans for yet another discussion document on social care later this year are far too slow.’

SOURCE: Steve Doughty, Daily Mail

Anxiety and depression 'can increase your cancer risk by a third': Emotional distress thought to damage body's defence systems against the disease

Emotional distress can raise your risk of dying of cancer by a third, a study has found.

Up to one in 10 people in the UK will at some point battle anxiety or depression, which research for the first time shows raises the danger of death from bowel, prostate and pancreatic cancer.

Researchers say this may be because depression makes sufferers more likely to smoke and drink, and less likely to take exercise.

Up to one in 10 people in the UK will at some point battle anxiety or depression, which research for the first time shows raises the danger of death from bowel, prostate and pancreatic cancer.

But even accounting for this, anxious and depressed people die in greater numbers from cancer – thought to show that their unhappiness damages the body’s defence systems against the disease.

The authors of the study, from University College London, Edinburgh University, and University of Sydney in Australia, suggest emotional distress may hit immune function and damage DNA repair. 

It can also stop people from attending screening, which could spot their cancers early, or prevent them seeking proper treatment when they do fall ill.

In a review of 16 studies, taking in more than 163,000 people in the UK, they found those with anxiety and depression had a 32 per cent greater risk of dying from all types of cancer. This was true despite age, sex, education, weight, status and regardless of whether people smoked and drank.

Lead author Dr David Batty, from University College London, said: ‘After statistical control for these factors, the results show that compared with people in the least distressed group, death rates in the most distressed group were consistently higher for cancer of the bowel, prostate, pancreas, and oesophagus and for leukaemia.’

The people studied were followed for almost a decade on average, given questionnaires to judge if they were anxious or depressed. Their mental wellbeing was for some cancers as important as obesity or smoking in raising their danger of dying from the disease.

The way in which people who are anxious stop looking after themselves could explain their higher danger of death from bowel, pancreatic and gullet cancers. 

These are all lifestyle-related cancers which can be made worse by distressed people overeating or failing to exercise.

Prostate cancer, another cancer with higher death rates among those with emotional distress, is a hormone-related cancer. This may be caused by depression symptoms which cause spikes in the stress hormone cortisol, restrain DNA repair and harm the immune response which can ward off cancer.

In a review of 16 studies, taking in more than 163,000 people in the UK, they found those with anxiety and depression had a 32 per cent greater risk of dying from all types of cancer.

These physical effects could raise the risk of all types of cancer, by striking at the body’s natural defences.

The knock-on effects of psychological problems on the body have been highlighted by previous research showing that people with neurotic or conscientious personality types may be more likely to fall ill. Anxiety and depression have already been linked with an increased risk of coronary heart disease and stroke.

The latest study, published in the British Medical Journal, looked at 163,363 people free from cancer, but the authors say some of these may have unknowingly been in the early stages of the disease, suffering symptoms which may have affected their mood and skewed the results.

However, the authors corrected for this by excluding those who died in the first five years of follow-up, with the results that emotionally distressed people died more often from cancer remaining the same.

Dr Batty said: ‘Our findings contribute to the evidence that poor mental health might have some predictive capacity for certain physical diseases but we are a long way off from knowing if these relationships are truly causal.’ 

SOURCE: Victoria Allen, Daily Mail
Really interesting research here and one hopes that the findings from these studies will contribute to further follow up research,  Anxiety and depression have long been linked to many illnesses including stroke and heart disease and it would therefore be hugely beneficial if we could reach the point where  studies could predict the incidence or likelihood of diseases occurring as a result of a breakdown in mental health.