“Mae pobl â salwch neu anabledd angen gofal hirdymor weithiau i'w helpu nhw, ac i helpu eu teuluoedd, i ymdopi. Bydd rhai pobl wedi talu am y gofal hwnnw eu hunain pan ddylai fod wedi cael ei ddarparu am ddim gan y gwasanaeth iechyd.
“People with an illness or disability can sometimes need long-term care to help them, and their families, manage. Some people will have paid for that care themselves, when it should have been provided free by the NHS.