The social care crisis putting middle-class families on the brink as system ‘reaches breaking point’

Joe Sledge
Tue, 21 Apr 2026 11:26:11 +0000

Britain’s social care system is under mounting strain, with 5.8 million people now providing unpaid care as rising costs and limited state support place increasing pressure on households.

Across the country, middle-class families are stepping in to support relatives as professional care becomes progressively unaffordable, leaving many with little alternative but to take on caring roles themselves.

Research from Just Group indicates that nearly four in 10 adults caring for elderly family members have either reduced their working hours or left employment entirely as responsibilities intensify.

Financial losses are significant, with unpaid carers typically forgoing around £6,000 in annual income as they balance employment with care commitments.

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Escalating care home fees have further compounded the issue, making home-based care the only viable option for many families already facing financial strain.

Eligibility for state support continues to be determined by a means-test threshold frozen at £23,250 since 2011, which would now stand at approximately £35,000 if it had kept pace with inflation.

Average monthly care costs have risen to £5,000, increasing the risk of long-term financial instability for those required to fund care independently.

Siobhan Calthrop left her role in the humanitarian sector two years ago after her mother’s condition deteriorated and additional family responsibilities emerged.

At 87, her mother requires increasing levels of support following long-term disabilities, while responsibility for her brother has also fallen to Ms Calthrop.

Ms Calthrop said: "My pension is a big concern. I've lost a lot of earnings in the past two years, on top of when I took time out to raise my children."

Attempting to maintain an income, she now works as a freelance editor while managing ongoing caring duties.

Ms Calthrop said: "As my mum became frailer, I also had to take responsibility for my older brother. He had lived with our mother all his life, but needed supported, independent accommodation."

Balancing conventional employment with such responsibilities has proved difficult, limiting her ability to return to full-time work.

Beyond individual households, the broader economic impact is considerable, with the Carers' Trust estimating annual tax revenue losses of £4billion as carers reduce hours or leave the workforce.

Helen Walker, chief executive of Carers UK, said: "Years of under-investment in social care have pushed more responsibility on to families, leaving many carers with no choice but to give up work to care."

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Mike Padgham, of St Cecilia's Care Services, said: "It will affect the economy. I don't think the Government has realised this yet."

According to the Institute for Public Policy Research, 1.9 million adults provided more than 35 hours of care each week in 2023-24, representing a 71 per cent increase over two decades.

At the same time, vacancy rates across the care sector are running at around three times the level seen in the wider jobs market.

Growing numbers of families are being forced to fund care themselves as the static means-test threshold captures an increasing proportion of households.

Data from the Office for National Statistics shows 137,000 care home residents were self-funding in 2023, marking a nine per cent rise compared with the previous year.

Kate, 57, has experienced the financial pressures directly as her mother’s care costs have escalated sharply.

Monthly fees increased from £1,800 to £6,000 as her care needs intensified, significantly affecting household finances.

She said: "It's a colossal amount of money."

Working for the NHS, Kate has reduced her hours to four days per week and has been unable to pursue career progression due to her responsibilities.

She said: "For both my mum and dad, their care requirements came as a result of a medical condition. But if you happen to get a condition like vascular dementia, you're completely on your own."

At current rates, a typical home valued at £290,000 could be depleted within four years if used to cover residential care costs.

The Department of Health and Social Care said it "had to take the difficult decision not to proceed" with the policy, describing it as "an unfunded and unworkable commitment".

Long-term demographic trends are expected to intensify pressure on the system, with the Office for National Statistics projecting a 25.5 per cent increase in pensioners to 15 million by 2047.

Over the same period, the working-age population is forecast to grow by just 15 per cent, reducing the ratio of workers to retirees.

Baroness Louise Casey is leading an independent commission into adult social care, although its final report is not expected until 2028.

Government plans include £4.6billion in additional funding for local authorities by 2028-29, alongside £500million allocated for a Fair Pay Agreement for care workers.