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

marklv

seven-day-weekend wrote: »

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

This is another valid point. There is a lot of paranoia about this issue, due to the government's total lack of interest. My parents never went into care: they died at 75 and 78 of heart disease and cancer. Many others who believe they will live until 105 may get a surprise.

marklv

bendix wrote: »

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.

Interesting. Well, if you lived in France, inheritance is a law given right. You cannot disinherit your progeny there, whether you like it or not. Of course the law here is different, but if you really couldn't care less about the welfare of your children then you are a very bad parent; quite frankly if I was your son I wouldn't even bother to communicate with you again, let alone see you. You would already be dead for me.

If you hate your children so much, then why did you bother to have them? You are never forced to have children, it's a conscious choice, and one you are responsible and accountable for.

And stop harping on about taxpayers. It's the government that needs to take responsibility, the taxpayer has no say - we don't live in a referendum society, we have a parliament that makes decisions for us. How the government raises its money is nothing we can do anything about. And yes, we do need to pay tax in order to keep the country in a civilised state, and that goes back to my point: when you have paid hefty tax all your life, why should you have to pay for something so basic and essential as nursing care? Especially, when in Scotland, the care is provided by the state?

margaretclare

'Needs of our heirs'? What needs of our heirs?

If I need to go into a nursing home at some future date (which heaven forbid!) it will be my needs that will be paramount.

Needs, wants, or that other weasel word - rights?

The idea of having 'heirs' who have 'needs' is of comparatively recent origin. Most of our forebears may have had 'heirs' but they had nothing to leave to those 'heirs'. DH and I were not left a penny-piece by anybody. What we did have was a loving upbringing and some strong values instilled into us, which were assets that have stood us in good stead all these years. Up to a generation or two back, most people thought they'd done well in life if they left enough to pay for their own funeral and a 'ham tea' afterwards. They didn't want to be buried as paupers. How things have changed.

Torry_Quine

[ Especially, when in Scotland, the care is provided by the state]

Yet again the myth about free care in Scotland rears its head!

Must remember to mention that when I' m next visiting the local care home where residents have used up savings and had to sell homes. :mad::mad:

MissMoneypenny

jammiev wrote: »

hi, my mum and dad currently live at home but as they are getting on a bit and are both retired and own there own home have asked me is there a way of them avoiding having to pay the nursing home themselves ie; it coming out of the house?

Are you and your parents aware of the difference between state paid homes and private care homes?

My mother has just gone into a home and we want her house money to be used to give her the best place for her remaining years. We only liked the look of (heard good things about) two homes. The home she is in will not take state paid for, patients. The other home say that state paid for patients have to share a room. The state run homes we looked at were very basic and I wouldn't want my mother in one of those homes.

marklv

margaretclare wrote: »

'Needs of our heirs'? What needs of our heirs?

If I need to go into a nursing home at some future date (which heaven forbid!) it will be my needs that will be paramount.

Needs, wants, or that other weasel word - rights?

The idea of having 'heirs' who have 'needs' is of comparatively recent origin. Most of our forebears may have had 'heirs' but they had nothing to leave to those 'heirs'. DH and I were not left a penny-piece by anybody. What we did have was a loving upbringing and some strong values instilled into us, which were assets that have stood us in good stead all these years. Up to a generation or two back, most people thought they'd done well in life if they left enough to pay for their own funeral and a 'ham tea' afterwards. They didn't want to be buried as paupers. How things have changed.

My point is that your nursing home needs, certainly as far as care is concerned, should be taken care of by the state. Now, I can understand that accommodation needs cannot realistically be catered for by the state, but the medical and nursing care should be. Otherwise, what do you pay tax for?

In the 19th century care was not an issue, because only a tiny proportion of the population lived long enough to need it.

[Deleted User]

MissMoneypenny wrote: »

Are you and your parents aware of the difference between state paid homes and private care homes?

My mother has just gone into a home and we want her house money to be used to give her the best place for her remaining years. We only liked the look of (heard good things about) two homes. The home she is in will not take state paid for, patients. The other home say that state for paid patients have to share a room. The state run homes we looked at were very basic and I wouldn't want my mother in one of those homes.

excellent missmoneypenny. Your mother must be proud of you

marklv

Torry_Quine wrote: »

[ Especially, when in Scotland, the care is provided by the state]

Yet again the myth about free care in Scotland rears its head!

Must remember to mention that when I' m next visiting the local care home where residents have used up savings and had to sell homes. :mad::mad:

OK, in that case please explain what the care provision is in Scotland. My understanding was that the state provided for the nursing care while the individuals had to pay for accommodation costs. Is that not the case?

marklv

Timmne wrote: »

You must have (or have had) saints for parents; you're something special!

I loved my parents and I felt they genuinely cared for me, which is as it should be. May I add that instead of people having to be shunted on to care homes, it wold be much better if children took responsibility for looking after their parents, as they do in countries like Italy and Spain.

marklv

MissMoneypenny wrote: »

Are you and your parents aware of the difference between state paid homes and private care homes?

My mother has just gone into a home and we want her house money to be used to give her the best place for her remaining years. We only liked the look of (heard good things about) two homes. The home she is in will not take state paid for, patients. The other home say that state paid for patients have to share a room. The state run homes we looked at were very basic and I wouldn't want my mother in one of those homes.

An alternative would have been for your parents to sell their home and then you and them could have combined resources to buy a big enough home for them and your family to live in. Then they could have been cared for in your home instead of a private concern, and money would have been saved.