Is the £22,500 per person or per couple? Per person seems quite high and if that is what this is based upon you have to wonder how the figure is arrived at.

£22,500 is higher than the take home pay of the average wage. You'd think that by retirement age mortgages would have been paid off so you'd need less to live on.

I know that I could live very comfortably on less than half that amount.

With regards to care in later life I'm sure that at one time it was suggested by one of the political parties that at retirement age you could take out an insurance policy for a one-off payment of £8,000 that would provide for all care costs for the future.

It's not materialised yet (to my knowledge) but it did seem like a good idea.