how can you avoid house u own paying for nursing home fees

margaretclare

If I'm paying for it, it would be like being in a private hospital, where they also have a bathroom to each room. I've had major surgery in the private sector (in the days when I could still afford the annual subscription!) and what did I do when I needed help and attention? I rang the bell!

I do realise it needs to be an absolute last resort, no matter how luxurious it may be, or not. I fully intend to live at home for as long as possible, and if need to enter a nursing home, will be carried from home kicking and screaming.

That's why I find it so hard to understand, going back to post #1 in this thread, why people appear to contemplate the eventuality with calmness, and get exercised about not using the house to pay for it. The very thought of going into one of those, no matter if gold-plated and diamond-studded, is anathema to me. I couldn't understand the reasoning of the OP's parents.

seven-day-weekend

marklv wrote: »

I don't think sharing a toilet and/or bathroom is a big issue, unless you are a multi-millionaire and only want the best. However, sharing a bedroom is certainly not acceptable - everyone needs their private space.

I would not want to share facilities or a bedroom with a stranger.

marklv

margaretclare wrote: »

If I'm paying for it, it would be like being in a private hospital, where they also have a bathroom to each room. I've had major surgery in the private sector (in the days when I could still afford the annual subscription!) and what did I do when I needed help and attention? I rang the bell!

I do realise it needs to be an absolute last resort, no matter how luxurious it may be, or not. I fully intend to live at home for as long as possible, and if need to enter a nursing home, will be carried from home kicking and screaming.

That's why I find it so hard to understand, going back to post #1 in this thread, why people appear to contemplate the eventuality with calmness, and get exercised about not using the house to pay for it. The very thought of going into one of those, no matter if gold-plated and diamond-studded, is anathema to me. I couldn't understand the reasoning of the OP's parents.

I agree with you that if you are paying for it, then you should enjoy 4 star facilities, but unfortunately it doesn't always work like this. If you are lucky, you might end up in a really fantastic home, if not you won't. A lot depends on how far you are willing to look - would you be willing to live in a nursing home in a remote part of Scotland if the home offered superb facilities, even though your relatives would have to drive for hours to see you? Just one of the dilemmas you would have to face.

On the positive side, the odds are that it is still unlikely that you will ever need to go into a home - John Gielgud and John Mills died at 96 and 98 and they were living at home almost until the very end, as was Karl Malden, who died recently at 97. Obviously they could afford the very best care money could buy, but it shows that you can live to a grand old age without needing to spend long periods in a nursing home.

Merrion_Square

marklv wrote: »

On the positive side, the odds are that it is still unlikely that you will ever need to go into a home - John Gielgud and John Mills died at 96 and 98 and they were living at home almost until the very end, as was Karl Malden, who died recently at 97. Obviously they could afford the very best care money could buy, but it shows that you can live to a grand old age without needing to spend long periods in a nursing home.

Interesting point. I wonder: do any insurance companies offer insurance against having to go into a home?

marklv

Merrion_Square wrote: »

Interesting point. I wonder: do any insurance companies offer insurance against having to go into a home?

I don't know what you mean. Insurance companies do 'care plans', which means you set aside a portion of your pension towards the insurance premium; if you then end up needing to go into a nursing home (according to your GP) then the insurance will pay the fees until you die. There are different premiums according to the type of home you would be satisfied with etc. However, your GP needs to certify that you absolutely need to go into a nursing home.

This way you don't have to sell your house, as the insurance will cover everything except perhaps a small excess.

Torry_Quine

marklv wrote: »

Fair enough, I feel the same way as you, but when you are 85+ and infirm enough to be in a nursing home, you probably need assistance to go to the loo anyway, so it doesn't really matter. What's the point of having an ensuite bathroom when you need someone to help you in and out and clean your behind? A nursing home is not a hotel - not by any stretch of imagination - it's more of a long term hospital. I believe the word 'hospice' was used in the past, but I guess this has become politically incorrect.


You need to have realistic expectations - and this is why such a place should be an absolute last resort for anyone. If someone can continue to live at home, with the assistance of social services and the NHS, so much the better.

Just because you are in a care home (all homes in Scotland are designated as such) does not necessarily mean you are unable to go to the toilet by yourself. My relative is 85 and is mostly able to do this without assistance.

A hospice is something else entirely.

Not always possible even with the best will in the world.

seven-day-weekend wrote: »

I would not want to share facilities or a bedroom with a stranger.

Absolutely agree

Pssst

marklv wrote: »

Have you ever been unemployed? You get £60 a week - try living on that, smartass.

And who pays your rent and council tax?

I'm talking about the feral and f&ckless who adopt unemployment as a lifestyle choice. not someone who has just been made redundant or similar.

marklv

Pssst wrote: »

And who pays your rent and council tax?

I'm talking about the feral and f&ckless who adopt unemployment as a lifestyle choice. not someone who has just been made redundant or similar.

Listen to me, matey. I was made redundant in 2008 and received the minimum payment, which was a pittance as I had worked there only three years. I paid my mortagage (not rent) out of my own savings and the only help I was given by the state was £60 a week and having to sign on every fortnight. As my savings were above the threshold I was given no help with paying my mortgage. So much for sponging - the £60 a week would have run out after 6 months, if I had stayed unemployed that long, as it was based on my own NI contributions, not some means tested benefit. This is the 'thank you' the government gives you for being careful with your money and putting it aside for emergencies like that one.

As for the feral and !!!!less, well the solution should be the workhouse or the army (for the young). Just like 100 years ago. Too many chavs roam the streets these days wearing the latest designer clothes.

[Deleted User]

you are a bit bolshy marklv. you should try and get more laid back, or you won`t live to a ripe old age and all your rantings re old age care will have been in vain

smk77

kittie wrote: »

you are a bit bolshy marklv. You sound as though you have a real chip on your shoulder and you should try and get more laid back, or you won`t live to a ripe old age and all your rantings re old age care will have been in vain

Now that's a bit unfair. The guy was made redundant and feels that he has been let down by the government. That may be a entirely legitimate rant that he is entitled to. He's probably used to negative comments about the work shy unemployed from working people (who don't realise that they could end up in the same boat). I'd be annoyed in his situation too and I'm sure you would. But hey, if you lost your job I'm sure you'd walk straight into another one, right? He's hardly got a chip in his shoulder!