Sale of home to fund care

Freya, we are an ageing population. Either we oldies fund our care, or our children, and other people's children fund it through taxation. This is nothing to do with who is in government. It is reality.

Yes, but can I just clarify? Are you saying that as the last government did diddly squat about a cap that could have alleviated this mess means that they must have neither cared nor even tried to make things right in the fourteen years that they could have used to improve matters? Or are you just looking for ways to criticise the current government by blaming them for the failings of the last lot?

Doodledog

How can a cap that never existed be removed? How is it the government’s fault that the promise of a cap on care fees was broken by the last lot?

What is the black hole that the government is handing out world wide? Can you hand out a black hole?

How have the projected profits or losses on an energy company that is not up and running yet been calculated, and have the huge profits of the existing ones (also paid for by taxpayers) been taken into account for purposes of comparison?

When was the vote for the worst PM ever carried out, and who voted? Who was Starmer up against? Truss? Cameron? Johnson? All of them were disastrous for the UK. What sort of poll asks about someone who has just taken power and measures him against people whose policies had time to fail? Starmer’s haven’t had time yet.

Quote: If you use flawed figures, lie about policies and invent statistics you worry people for as long as they believe you, and lose their respect when they realise that that’s what you’ve done.’ D Dog. Poster. Her friends think she talks a lot of sense.

If this government cared, they would set a cap. Social care needs sorting ASAP All governments are as bad as one another, all promise the earth but yet do nothing about it.

MaggsMcG

It wasn't covered by NHS unless there was a Continuing Health Care Need, if you can prove that it will still be covered by NHS. It was covered by the Social Services budget which was the responsibility of the Local Authority and has been successively reduced by all Governments over the years. Which is why a lot of the Care Homes that accept LA residents are the less nice ones. If you are really luck you might get one that's at least reasonable and the Carers actually care.

Very difficult to get CHC, we couldn’t get it for dads Alzheimer’s, most we got was 5 weeks free care in a nursing home.
He ended up back in hospital, after three weeks, dehydrated, vomiting blood. Hospital kept him for six weeks, we refused to send him back to the nursing home, we fought to get him a hospital bed, then brought him home. Mum & I caring for him with help of a carer morning to get him up & night to put him to bed.
I think if he had gone back to the home he would be dead by now.

Boris Johnson was not disastrous for the U k. That is just your opinion, I think very differently!

A lot depends on the level of care needed, some only take those with mild disabilities, some other offer places for serious long term difficulties, there is a big difference in cost.
A able bodied resident with dementure can be very demanding to care for

How do you find out which homes have mostly self-funders, Apricotdessert? The whole care system is a minefield, isn't it?

Start looking at carehomes as the better ones (not necessarily the most expensive) may have waiting lists. We saw some that we considered wanting that were rated good by the CQC. Others rated good were much better. Ones that the local authorities use often charge higher fees to self funders, who are in effect subsidising local authority residents. Hence why homes with mainly self funders, in our experience, weren't necessarily more expensive. Don't be bullied by the hospital for them to discharge your dad until you're satisfied there is a safe discharge plan. Good luck

How can a cap that never existed be removed? How is it the government’s fault that the promise of a cap on care fees was broken by the last lot?

What is the black hole that the government is handing out world wide? Can you hand out a black hole?

How have the projected profits or losses on an energy company that is not up and running yet been calculated, and have the huge profits of the existing ones (also paid for by taxpayers) been taken into account for purposes of comparison?

When was the vote for the worst PM ever carried out, and who voted? Who was Starmer up against? Truss? Cameron? Johnson? All of them were disastrous for the UK. What sort of poll asks about someone who has just taken power and measures him against people whose policies had time to fail? Starmer’s haven’t had time yet.

Quote: If you use flawed figures, lie about policies and invent statistics you worry people for as long as they believe you, and lose their respect when they realise that that’s what you’ve done.’ D Dog. Poster. Her friends think she talks a lot of sense.

Freya5

Mt61

Just read on community care, that Rachel Reeves has cancelled the cap on care fees, this is to fill in the black hole of £1.1 billion

Wonder if that's the black hole this Government is handing out world wide.
What black hole. If they wanted to fill it they wouldn't be doing money out worldwide. Thought we had no money. Tax payers money to Africa, tax payers money to a non existent energy company that will make our bills even more expensive, because the numpty has stopped any more NS oil exploration, now let's just import more from overseas.
This Government, Starmer already voted worst PM ever, and he's only been in the job 100 days too long in my eyes, will never get voted in again.
Quote "If you don't know what you're doing, because you've never executed anything, and you don't to how to do it.... you decimate your country" Kevin O'Leary. Businessman.
This sums it up very well for me.

I totally agree with you.

OnwardandUpward

I saw this happen to a relative. The care costs spiralled but the care home couldnt touch the last 23 thousand. It is a lucrative thing running a care home. A licence to print money.

It might be better and cheaper if people hired nurses or carers to keep a loved one at home. There is 24 hour care that can be in someones own home.

Almost as expensive. Believe me, I have done my homework & truly frightening, plus paying to heat the home, washing, ironing & cooking, do you will have those utilities on top

Allsorts

What happens when the money runs out? . The government pays and you go where you are put. It does ensure there's no inheritance I suppose which will make them happy or you could bypass it all and spend the lot, sell the house and go where you are put sooner,. Heard living on a cruise ship is a good option and you see the world, then go where you are put.

That is seen as getting rid of your assets

Freya5 👏👏👏👏👏👏👏

I do agree, SuzieHi. We looked into live-in care for a relative of dh - it was going to cost more than a nice care home, with all the costs of running a home on top.

People are often wary of care homes, but our experience of them (FiL, my mother and an aunt) has been very positive. I’m sure that it’s down to the excellent care she received that my mother lasted very nearly 8 years in hers - until she died at 97. And it was by no means the most expensive,

Mt61

Just read on community care, that Rachel Reeves has cancelled the cap on care fees, this is to fill in the black hole of £1.1 billion

Wonder if that's the black hole this Government is handing out world wide.
What black hole. If they wanted to fill it they wouldn't be doing money out worldwide. Thought we had no money. Tax payers money to Africa, tax payers money to a non existent energy company that will make our bills even more expensive, because the numpty has stopped any more NS oil exploration, now let's just import more from overseas.
This Government, Starmer already voted worst PM ever, and he's only been in the job 100 days too long in my eyes, will never get voted in again.
Quote "If you don't know what you're doing, because you've never executed anything, and you don't to how to do it.... you decimate your country" Kevin O'Leary. Businessman.
This sums it up very well for me.

From the experience we have had with the care homes my dad has been in (we took him out as I felt he was being neglected) home was £1385 a week- hopefully by the time I need care hopefully they will have passed a law for euthanasia

win

If you are self funding you can go in care home if and when you want to, if you aren't self funding you have to have eligible needs before you are considered for a care home. You will need a care assessment followed by a financial assessment. If you have property, this either needs to be sold or you can ask for a deferred payment. If sold all the funds are used to pay for care. From £23500 the LA start paying some of the costs. It is however not until you reach £16.500 that you become totally funded. |At this stage you may have to move care home, if the home you originally chose do not accept LA funded clients. It is therefore best to choose a home which will guarantee you do not have to move if you run out of funds. although that does not give you so much choice and may not be acceptable to you either.
As far as the cap is concerned this was as many others have already said never put in place, discussed for many years what it would and would not cover and decided in the end it would only cover the actual care costs, but we now hear it has been totally scrapped. What a waste of money, time and effort working on it for so long yet not putting it in to action. Here is |A||GE| UK link to who pays for care. www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.ageuk.org.uk/information-advice/care/paying-for-care/paying-for-a-care-home/&ved=2ahUKEwjujujy292HAxWVVkEAHT9WNDgQFnoECBsQAQ&usg=AOvVaw0_wd5BEBEfvvMwQ9w71whp

Think the tories had no intention of capping it & this lot for sure won’t be capping it

MILs carers wanted to put her to bed at 4pm, so Sister in Law had to drive round again later in the evening and get her sorted for bed.
The mess that she made in the house between carers coming in had to be seen to be believed, hence most of the furniture and carpets having to be put into the skip when she went into the home.
A live in carer would have been a solution but they only work their shift, so 2 carers 24/7 is extremely expensive, anyway MIL used to lock the doors so that they couldn’t get in, so again Sister in Law got a call to go round. It wasn’t a happy time for anyone.

My neighbour is bedridden, she has carers twice a day. Yesterday they didn't come for. their 8am visit until 11.45am The longest they are there is 20 minutes, 2 people together, the curtains are opened, her breakfast done, don't know whether she gets dressed but some form of wash. They come back anytime between 3 and 6 and windows closed, meal done and thats it until next day when it starts again, I have seen them odd times occasionally too. I hope I go before it comes to that. Just when house work gets done I don't know. If her son comes to visit for a week or so a year, he lives in Canada, the service improves. I would have to sell the home as I couldn't be on my own that long and go into care but I understand she doesn't want to move. As shes a recluse I don't know if she can move around a little, her son said she likes lying in bed playing videos.

SuzieHi

Having carers 24 hrs can cost more than a care home and the responsibility is still on the family . Every time a problem occurs they’ll contact you to deal with it. On top of carers wages you still have to run the home- heat, light, food, repairs, council tax etc
The care home looks after them 24hrs and the problems are then removed to a great extent. Also, residents get great healthcare in a home whereas at home it’s up to you to arrange. My dad’s care home has Dr on call (& visiting every week for one am), chiropodist, hairdresser, dentist & optician, & a physio(once a week) care homes also provide entertainment & nice events so residents are not lonely or bored.
The burden of home care is huge - sounds better but in my opinion isn’t - fit the reasons above.

Exactly this.

The care home that MIL went into knew that there were some savings (just enough for a few months stay) and we had to sell her home to fund her care when that money ran out, this was all agreed and a contract signed when she was admitted.

She was looked after very well, nails always nicely polished, hairdresser if needed, Doctor always on call coming into the Care Home. Costs then ( in 2020) were £1400 per week.

The run up to getting MIL into a home was lengthy, SIL tried to have her cared for at home, but ended up being exhausted and overwhelmed.

Sadly MIL died during the first Covid lockdown.

Jeanie99 that is so wrong on every level. Will any government step up to the plate I wonder?

People are living longer but with ill health that requires care.
I think only increasing general taxation on wealth and higher deductions from everyone according to their earnings will remedy our health systems.
This of course will mean employers paying higher wages so people can both save AND contribute to the good of the country.

My dear friends sold their home to pay the £4,000 monthly cost of the care home when she had to be cared for.
He has nothing left money wise and I feel sure he is struggling now to pay for the rented house he lives in and all the costs of running it.
A hard working couple all their lives and no home comforts at the end of it.

What happens when the money runs out? . The government pays and you go where you are put. It does ensure there's no inheritance I suppose which will make them happy or you could bypass it all and spend the lot, sell the house and go where you are put sooner,. Heard living on a cruise ship is a good option and you see the world, then go where you are put.

I had to sell my Mums house to fund her Care Home Fees and it did take a very large chunk of the house value before she passed away.
However, during that time I learned a lot about the legal side of this and would now recommend anyone that owns property to change to 'Tenents in Common' with a partner or children. That way the Local Authority can only basically take half of the value, if any (depending on the circumstances).

I have read all of the above posts with interest and fear.

I am much older than OH so, accidents excluded, will pop my clogs first. Various health issues will almost guarantee this.

We are in the process of buying a house. A Deed of Trust will be put in place (must do the sums!). He suggested entering into a Civil Partnership. I Googled it but found the site unhelpful. Any thoughts would be welcome - advantageous or not? I asked our conveyancing solicitor and he said that the choice was our decision!

Junior daughter is the sole beneficiary of my Will. OH has no issue of his own.

I might do something nice and handy by keeling over in the garden but I might not and need care.

How best to stop The Reeves from taking all my cash and evicting OH from our house? All advice gratefully received.