Paying for Long-Term Care in the UK

Abstract

This study provides a methodological mixed-method review of the long-term approach to funding (LTC) in the United Kingdom, where the affordability, equity, and access are to be measured against the background of enhancing demographic stresses of aged populations. The distinguishing feature of the present financing model, the mixture form of financing employment, in which the UK is extremely reliant on the casual kind of care, continues to generate economic insecurity and unsatisfactory access. The PRISMA 2020 guidelines are used to filter through peer-reviewed quantitative and qualitative research available between 2019 and 2025 to know the impact of future improvements, such as price limits, efficient means-testing levels, and asset protection. Using this method, articles were retrieved, and out of them, three met the inclusion criteria in the meta-analysis. Quantitative results showed an undesirable association between the degree of social protection and out-of-pocket expenditure, and qualitative results disclosed a reliable affordability matter and better emotional burden on self-insuring households. These results highlight the statistic that, while the system is still being focused on policy interventions, it has not been combined and is therefore unmaintainable, therefore putting middle-income families at a disadvantage. Thematic synthesis also recommends that inconsistencies in affordability and funding locally raise the level of social disparities and overwhelm the finances. Based on this right, the study suggests a fair, widely funded social-assurance system that would make LTC more reasonable, raise household resiliency, and expand the sustainability of the facility of LTC facility in the United Kingdom in the long term.