The King's Fund Long-Term Care Finances project began in October 1999. Its aim is to find ways in which the debate on funding long-term care can move forward. This report gives the results of an interview survey of 100 people undertaken in June and July 2000. They were asked questions about their financial circumstances, and about their ability to pay more towards their health and social care costs, now or in the future. Results suggest that present and future pensioners on average and below- average incomes are struggling or will struggle to either meet increased costs of care services, or invest in the long-term savings or insurance products which the government is considering introducing. The results also confirm that people do not understand how long-term care is financed. The results also suggest that although adults on average and below average household incomes might be expected by the government to invest in supplementary pensions and save for their own long-term care needs, they cannot realistically be expected to do so. The report concludes that the government needs to consider whether it is reasonable to expect people in the lower half of the income distribution to save for elements of their long-term care costs, and more broadly, needs to make clear who is expected to contribute to both second state pensions and long-term care savings or insurance products, and the scale of individual contributions.