So it's National Insurance then

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You think that the councils are in a position to pay good money for care ?

It's a cut throat dog eat dog bidding process and the council award contracts to the cheapest bidder

Home Instead, Right at-home are expensive and don't figure very much with local authority care

Which is why people who can afford it go for them and ordinary folk get a dreadful service

So its not the service providers at fault its the council ergo the taxpayer who hasn't given enough budget.

Perhapsa few less duvet days and other such follys suxh as flexi hours could help increase the councils social care budget.