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Care Homes - Who should pay?

(33 Posts)
merlotgran Mon 03-Mar-14 22:15:32

But if you live in Scotland you don't have to pay for care so how can that be fair?

granjura Mon 03-Mar-14 22:13:20

Many 'children' expect to inherit the huge profits made by the parental home- especially in the South and of course London. I know people who paid 10.000 for homes now worth 1.5 million. Why should their kids expect to inherit that- when other tax payers pay for their parents' care????

mollie65 Mon 03-Mar-14 21:36:17

of course it is fair that those who can pay - do so. If the home has to be sold - it is not required by the 'aged person' who will be living in the care home. the 'aged person' would still get pension/pension credit and probably attendance allowance and has no rent/bills etc to pay.
my mother was in a care home - self funding as her house was sold to pay - and she did get to choose the care home and as the alternative was her living with and making demands on her children it was the right thing to do.
the only people who seem concerned about the self funding thing are the inheritors who bleat about the loss of the family home and their inheritance angry
when I get incapable of looking after myself even in sheltered accommodation I would expect my capital to be used to make me as comfortable as possible.
do not those who think the state should pay realise that it comes from the current taxpayers not from 'what they have paid in' (which would really have to stretch to pay for their care. ) as well as their pension etc.

granjura Mon 03-Mar-14 19:23:16

Here (in Switzerland) it is free if you can't afford it- but you have to pay if you can- and any property is taken into account too- just as in the UK. However, each person can keep about £25.000 of their savings for their children to inherit, before they have to begin to pay. I think it is fair- both my mil's house and savings went towards her care, in the UK, and my parents' went to pay for theirs, here. Fair imho.

merlotgran Mon 03-Mar-14 19:06:59

Do British taxpayers pay for care of the elderly in Scotland? If Scotland leaves the UK can the money be used towards the care of our elderly instead?

Ana Mon 03-Mar-14 18:56:56

It's free in Scotland isn't it? Does anyone know what the standard of care is like for the elderly there?

mollie Mon 03-Mar-14 18:54:18

Well, on the basis that the argument is free care in old age because we paid in can I just ask this: the current cost of residential care per week is about £580? I've just found that on a website dated May 2013. Even if you have paid in all your working life can you tot up how much you've contributed, bearing in mind it was always a small proportion of our wages and wages when we were younger were small too! And can you tot up how much you have taken out in other sorts of medical care, hospital appointments, doctors appointments (all free at source) not to mention medicines that cost more than the prescription fee? How about dental care and medical care for the children? And can you honestly tell me that when you've done that sum you have contributed enough to pay £580 or more per week (allowing for future inflation and hopefully not needing residential care for a very long time) for any number of years? Personally I doubt it.

So, if we don't want to return to the old work-house style care for the elderly I think we'll have to use our own resources if we want a decent quality of care. That's what personal resources are for. Or maybe some of the children will pay?

loop50 Mon 03-Mar-14 11:51:10

I saw a piece on another forum and copied it for discussion here. It's our concern now.

“I’m active and independent and I’m planning to be that way for a lifetime.”

That’s the spirit. It’s certainly how we hope the vast majority of Boomers feel about life.

http://www.generationboomer.co.uk/boomer-forum/topic/care-home-fees/

In another generation or so it may be that most individuals will have made plans factoring all potential eventualities for when they get over the age of, say, 70.

Some of us may feel that we have paid into a system – or supported our family paying in – and that, post 70 , IF moving into a care home becomes a necessity then we should all be entitled to 5 Star accommodation with all the health care, if any, that is necessary. With no hidden ‘extras.’

We may have also built up some other savings or bought our house outright with a view to leaving a bit for the kids or grandkids. If so – is it fair that we should then have to supplement our care costs too?

We may never get to the point where prolonged and intensive care is necessary (here’s to that)… ’keep-fit’ and in the majority of cases we’ll have a long and happy life.

And even if we have paid in, then it might be that we’re happy that those who do need services should get them and we’ve done our bit to help others?

With the best will in the world it is inevitable that illness and/or injury will visit at least some of us and inevitably we will lose loved ones.

So, what is the best way of preparing ourselves and society for old age? Is it fair that you may have to sell your house to meet care costs? Is living in a care home just like having to decide to move home into new ‘rented’ accommodation?

How do you think we might get on? What do you think is fair? Also, what are your individual stories affecting your family, friends and neighbours when using or considering a residential care home?