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

pelirocco

kittie wrote: »

surely it is a matter of pride to make provision to pay your own care fees. Who should pick up the bill? the struggling tax payer?

I thought i was the only one who thought that . I see nothing wrong in selling your home to pay for your care , if there is anything left to leave to your children its a bonus , not a right

margaretclare

To put this a bit into perspective, the first sentence of post #1 could apply to me and DH, if written by one of our offspring, except that I know for certain that none of them would ask such a question, nor would DH or I ever ask them to do so. However....

'My parents are living in their own home, both are retired, both are "getting on a bit" '....

All of that could apply to DH and me. We're both 74. We both have a certain amount of health problems and I nearly lost him last October. Are we supposed to make a definite plan for nursing home admission within a set time-scale just because we could be said to be 'getting on a bit' (weasel words!)

I agree that we have no say in what our taxpayers' money goes on - and by the way, being retired and getting on a bit does not mean we're no longer taxpayers!! There are numerous things I don't like my tax money going on. If our economy is in such a parlous state, the country is living on borrowed money, effectively bankrupt, then why are we still giving foreign aid - better to bring it home and use it on regenerating industry that will provide real jobs for the young! And many other things, not least, help for those who genuinely need it. Genuinely, I said - our own people first.

Torby

kittie wrote: »

The uk is full of spongers and those tax payers who have to pay.

I agree and at one time, I felt I would always want to pay my way, but times are changing....I want what everyone else has got for free....I have paid taxes ALL my life and now I still pay taxes in my pension....and what for....I get no benefits...If I need treatment, I wait in the queue like everyone else.
I worked hard to own my own property (with good planning now mortgage free) I don't get my rent paid for free every month like others.

In fact reading on these forums, I see many on benefits who have more income than I do?

I also see quite a few with lower incomes than me having applied for BR owing credit card debts of over £50k.

This country is changing for the worse, some people run up debts they can't pay, some people get more on benefits than I do in my pension, some people get old age care for free without ever contributing anything....


Well so do I, and if I can leave my home to my kids without Shylock Brown taking yet another pound...I will do it.

seven-day-weekend

Torby, my heart agrees with you absolutely.

However, my head unfortunately doesn't and I can see very clearly that whether we like it or not, those of us who can pay, will have to pay as there is not enough money to pay for everybody. Also you get far more choice if you pay your own fees.

Having said that, we will do all that is legally possible to prevent our family home being used in this way.

Luckily we also have a home in Spain and that (or the money from it) can be used to pay any fees that may be necessary. We don't care what happens to that one. Hopefully this will generate enough money

That's of course if we ever both go into care. Most people don't..

Pee

Without going into the rights and wrongs of care home fees, you may well find that the care home your parents prefer in the area that you or they prefer will not accept a council funded patient and sometimes, depending on the personalities and medical conditions involved, it might be worth paying privately.

givememoney

We are in our sixties and fairly healthy so far....touch wood!

I have warned our family that if we have to go into homes eventually the house would have to be sold, so they know that.

However, I would much rather leave it to them than fund outrageous nursing home fees. The figure of about £500 per week was bounded about a few years back but it must be more than that now. How can they justify those sort of charges.

[Deleted User]

pelirocco wrote: »

I thought i was the only one who thought that . I see nothing wrong in selling your home to pay for your care , if there is anything left to leave to your children its a bonus , not a right

pelirocco, I believe that there is a large sector who feel the same but we daren`t not speak up as this today is a take take take society

Anyway, morals apart, I feel that paying for our own care gives us choice. Platinum standard if we want

marklv

bendix wrote: »

Anyway, moving away from the discussion on economic migrants and illegal immigrants, let's get back to the core issue.

If you have the means to pay for your old age care, you should do it. It's a matter of pride.

But what the OP is doing, is trying to pass the buck to the state, so that he/she can benefit from the inheritance.

If some of you think that's ok, well good luck to you. I guess you have different moral standards to those I hold.

I have one answer to you: b****cks! Don't lecture us with your definition of what is moral! I would say that to forget the needs of your heirs is immoral - so much for your 'nearest and dearest'.

marklv

kittie wrote: »

The uk is full of spongers and those tax payers who have to pay. I am in the camp that can hold its head up with pride as I have no intention of sponging, I will use my savings and equity in the house if needed. It is time for us to speak up

If you find my post offensive then that is your problem

It's not a question of 'sponging', you stupid fool, it's a question of minimising one's liability to being forced to pay for something that should really be provided by the state. Why should we have to pay for nursing home care with money we have already paid tax on, instead of being free to leave it to our surviving family members?

bendix

Since when has inheritance been a god-given right? It might be in your worldview, but not in mine.

Making your own way in the world and paying your own way when you can - that is my idea of what is right.

In your worldview it seems that it is ok to make other taxpayers pay for your elderly care - even though you can afford it yourself - just so that spoilt brat offspring get the house.

Fair enough. That tells me all I need to know about how you think.