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Care home fees and trusts
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By *litterbabe OP Woman
over a year ago
hiding from cock pics. |
My friend recently has had to sell her parents home to pay for her mother's care home fees.
It seems really unfair that although it looks like her mother won't need her home any more, it has to be sold to pay for her care.
While discussing this with somebody else recently, they said it's perfectly legal for her mother (if she had known), to have put the home in trust for her children which would have meant it wouldn't be counted as part of her estate, and therefore would not be sold to pay for her fees.
Is it fair to have to sell your home to pay for your care home fees?
I know the money to pay for the care has to come from somewhere, but it just seems harsh to have to sell your mum's home for that.
Is it a solution to put it in trust for your children to protect yourself from a situation like that?
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By (user no longer on site)
over a year ago
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It’s very difficult to do that and it not be seen as ‘deprivation of assets’, have a look in to it.
I can see why they are sad but as you said it has to be paid for somehow, the alternative is everyone else has to pay for it. Isn’t it a good thing that her mums assets are helping her to choose her care and be looked after in her final months/years |
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By (user no longer on site)
over a year ago
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The Bradford to london. Comparison I don’t really get? It’s about all assets, not just houses so where they are makes no difference. No one has a right to an inheritance of people need the money while they are still living, which your friends mum does.
I think there’s a lot to be said for pricing/standards/value of care homes in UK but that’s a whole other conversation |
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By *apxxxWoman
over a year ago
North Shropshire not Wales!!!ffs & Manchester |
Sooo people work hard to own their property and to leave something to their family and then they have to sell it to pay for nursing care...what happens if they don't have property to sell?? |
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By (user no longer on site)
over a year ago
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"Sooo people work hard to own their property and to leave something to their family and then they have to sell it to pay for nursing care...what happens if they don't have property to sell??"
Gets funded by either council or adult social care. |
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By *929Man
over a year ago
bedlington |
I’m not sure there is any way around it to be fair these trusts claim to be but apparently the council can reverse it should they choose to dig deeper used to be that if it had been in your name for 7 years they couldn’t touch it but that changed a while ago some of these trusts cost a few grand to set up and could be worthless
Personally I’d off myself if I was unable to care for myself but still sound enough of mind rather than not be able to pass on everything I worked for onto my kids. You could be in a care home bed having cost you everything and the fucker next to you could have never worked a day in their life claimed housing benefit and dole and they getting the same as you for nothing. I’d sooner be dead |
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By *ustBoWoman
over a year ago
Somewhere in Co. Down |
How else is her care going to be paid for ? Can the family pay for it ? If not then where else can the money coming me from.I don't really see the issue if the house has to be sold then it has to be sold if she needs the care and the family or her own savings cannot pay for it. The only only choice they would have is take on the task on caring for her themselves and keep the house.
Yes I understand it's a hard decision but care homes need to be paid also for the care they provide. |
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It's a difficult one. We have mostly grown up in a society where the state takes care of us from the cradle to the grave. It comes as something of a shock when we discover that there are circumstances where we have to pay for our care ourselves. This isn't a new thing. About 25 years ago a neighbour had to contribute to the cost of carers who were looking after her husband in their home. When my mother needs respite care my parents need to pay and if/when my mother needs 24 hour care they'll have to pay and that will mean selling their house.
Is it fair? I don't know but when one or both of my parents need care I'd rather they had the best they can get if that means I don't get to inherit a house so be it.
The benefit/allowance system is set up to keep people in their homes as long possible though. It's worth contacting Age UK for advice on that. |
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"The Bradford to london. Comparison I don’t really get? It’s about all assets, not just houses so where they are makes no difference. No one has a right to an inheritance of people need the money while they are still living, which your friends mum does.
House prices , the more money the greater the care thats the difference.
I think there’s a lot to be said for pricing/standards/value of care homes in UK but that’s a whole other conversation "
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"How else is her care going to be paid for ? Can the family pay for it ? If not then where else can the money coming me from.I don't really see the issue if the house has to be sold then it has to be sold if she needs the care and the family or her own savings cannot pay for it. The only only choice they would have is take on the task on caring for her themselves and keep the house.
Yes I understand it's a hard decision but care homes need to be paid also for the care they provide. "
As a discussion point would you feel the same about a younger person who needs residential care? |
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By (user no longer on site)
over a year ago
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It is sad. My mum had to sell my grandad house for the same reason. It wasn't that they wouldn't get the money though, it's the memories that are in the homes that I think people forget about. It's not just a house. |
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It's an inevitable with how life has changed in recent years. In the past older relatives would move in with one of their children, often the woman wouldn't work or did part time so it was doable. Now this rarely happens as people move away from home more.
With increased social mobility there was always going to be downsides. This was unfortunately one of them
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By *litterbabe OP Woman
over a year ago
hiding from cock pics. |
Some interesting points raised here.
She wasn't able to move her mother in with her as her mum has dementia and needs more help than she can provide and also her mother can't be left on her own and both her and her husband work full-time.
My friend actually works as a carer but still couldn't provide everything her mother needed due to the amount of care and her work situation.
I suppose it is fair, because of course the money has to come from somewhere, it is just been very emotional for her cleaning out and giving a lick of paint to the house that she grew up in, to be sold to look after her mother, who doesn't really feel like the person that she knew as her mother.
I guess it's an emotional rollercoaster.
I lost my mother 9 years ago, but we nursed her at home.
My brother lives with my father in my father's home and has always done.
If my dad had to go into care, would my brother need to find somewhere else to live, as we would need to sell the house to care for my dad?
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By (user no longer on site)
over a year ago
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"Some interesting points raised here.
She wasn't able to move her mother in with her as her mum has dementia and needs more help than she can provide and also her mother can't be left on her own and both her and her husband work full-time.
My friend actually works as a carer but still couldn't provide everything her mother needed due to the amount of care and her work situation.
I suppose it is fair, because of course the money has to come from somewhere, it is just been very emotional for her cleaning out and giving a lick of paint to the house that she grew up in, to be sold to look after her mother, who doesn't really feel like the person that she knew as her mother.
I guess it's an emotional rollercoaster.
I lost my mother 9 years ago, but we nursed her at home.
My brother lives with my father in my father's home and has always done.
If my dad had to go into care, would my brother need to find somewhere else to live, as we would need to sell the house to care for my dad?
"
I've recently been through all this and it was a real nightmare. The Age UK site has a lot of useful information on this subject. |
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By *eisty LadyWoman
over a year ago
Count Your Blessings Cottage, Gratitude Grove |
….
The mother of a friend of mine went into care they rented out the house to offset the cost of care home fees - but she was in so long before she died that it wiped out all the money in the property apart from the protected amount (approx £24k)
My dad had to pay for his care through his pensions, Mam was in the house still and social services drew a line down all their money and said dad he £x amount and half the house. They said any work on the house had to be paid solely by her and couldn’t come out of his half (bastards)
Thankfully his pension was high enough that it covered all of his care so my parents home was safe from any social services financial claim.
It was annoying that he was paying for his shitty care home care (approx £2k a month so it disappears fast) and getting the same low quality of service as people who didn’t have any money or a home to sell.
We took notes of everything said and done at each visit, went daily, noted the care he needed, odd things he said / did and his personal hygiene needs.
After a few months we requested a reassessment of his care plan, went through every criteria in detail … and successfully got free care for him even though he hadn’t deteriorated much on that time.
My suggestion for anyone in a similar position is to take lots of notes, videos, photos, evidence build and fight for everything the person is entitled to
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By *a LunaWoman
over a year ago
South Wales |
Ah Social Care.
It’s a very sad state of affairs all round really. My experience of it (from my job) is that most families keep elderly relatives living at home, alone, when they are highly vulnerable, a risk to themselves (and sometimes others) for as long as possible because they don’t want to lose their inheritance on paying nursing home/care home fees.
In fact Social Services have had to step in sometimes and over ride family to ensure the person at risk is just safe.
And on the flip side you have other families who move heaven and earth to do what they can for family, regardless of their own needs etc.
I’m not sure what the answer is for your friend OP, but I hope she finds a resolution that is best for all involved.
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"Ah Social Care.
It’s a very sad state of affairs all round really. My experience of it (from my job) is that most families keep elderly relatives living at home, alone, when they are highly vulnerable, a risk to themselves (and sometimes others) for as long as possible because they don’t want to lose their inheritance on paying nursing home/care home fees.
In fact Social Services have had to step in sometimes and over ride family to ensure the person at risk is just safe.
And on the flip side you have other families who move heaven and earth to do what they can for family, regardless of their own needs etc.
I’m not sure what the answer is for your friend OP, but I hope she finds a resolution that is best for all involved.
"
You also get the vulnerable, alone, elderly people who despite their family's best efforts insist on staying at home in less than ideal conditions.
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The failure of the government to create a complete solution for social care, after waiting for many years to do so, shows the lack of any quality depth of thinking that they're capable of.
We should have a properly funded care system that's equal for all and it will mean that tax income has to pay for it for all, not just some, if they need it.
People can help to fund alternative care for themselves, as they do with health. It should be a responsibility of the state to ensure that there is an appropriate social care system in place. As it stands, we've driven thousands of people out of the UK and we've destroyed the ability of most local authorities to be able to provide but a paltry level of care to a tiny minority of vulnerable people.
Some did used to transfer home ownership to trusts but were typically found to be guilty of fees avoidance. Single people are most at risk, as those with partners aren't forced to sell, whilst the partner is in the home |
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