Patrick Collinson, writing in The Guardian, raises some important points in this article, following the Conservative manifesto pledge to shake up the funding of adult social care.
Collinson questions whether National Insurance contributions should be extended into retirement, so all retirees with sufficient income pay this tax which could help fund care costs.
Alternatively, a substantial increase in inheritance tax would effectively take a share of the extraordinary rise in house prices and use this tax revenue to fund care for those who need it.
As Collinson points out, the proposed solution from the Tories is unfair because the need for care in later life is essentially a lottery; only one-third of the over-85s need it and will lose the value of their homes, down to a floor of £100,000.
There is still much to debate on this subject, with an increasingly ageing population and growing need for care in later life.
A quarter of the over-85s are likely to develop dementia and a third will need constant care. But that leaves large numbers not in need of intensive care. Indeed, only one in eight over-85s are in care homes.