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

MissMoneypenny

marklv wrote: »

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?

If you look on the mortgages board, some people are paying their mortgage payments with benefit money (DLA, IS, Tax Credits). Do you think they should they get a free care home too? Or should the state take its money back, to pay for their care in old age?

Rockporkchop

Marklv - you should calm yourself down, if you stress yourself out so much over something like this you won't be living until 105 either.

I do believe that the few remaining pensioners who fought in the war and who suffered the war years should have everything paid for them. I am very happy for my taxes to support them all the way, pay for their care homes and give them anything they need.

However, I do not want to pay for the care homes of future generations of pensioners who can easily afford it themselves if they sell their houses. I don't understand why, after paying for your own accommodation all your life, you should suddenly expect to live for free when you reach a certain age? Why shouldn't your house be sold to pay for your care?

Who knows what will happen in the future but if I am lucky enough to reach a ripe old age, I will hopefully be able to downsize my property and give my children any money I can then. If my property has to be sold to pay for my future nursing home then I couldn't care less. I would hope that my children will make their own way in life, as I did, without relying on any windfall from my estate. I speak as someone who didn't receive a penny in inheritance.

bendix

marklv wrote: »

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.

Dear oh dear. You're starting to get a bit hysterical marklv. What is all this nonsense about you disowning me as a dad? Funny!

For the record, i don't have kids.

I did have parents though, and so far as I was concerned what little money or assets they had, was their's.

I applaud Missmoneypenny who has the right idea. She considers her parents assets to be used for their old age care, and not so that she can benefit when they die.

That is the mature, disengenuous and noble thing to do.

It's a shame you can't see that, instead of wailing and whining about YOUR rights.

Torby

Easy on Marklv...the pen is mightier than the sword....a littte less vitriol and you will get your case heard......

blimey....all I meant was others get it for free without making any contributions...I just want the same rights and benefits...after all I CONTRIBUTED.....

as it stands at the moment (rather like the MPs expenses scandal) its either legal or not....the moral issue doesn't rear its head, and, until Shylock Brown changes the system ( or voters do) you will have to sell property to cover care fees...now, if there's a legal method thats available to change property ownership (regardless of morality) if someone posts on here for advice on how to do it (and its legal) why not tell them....the legal profession will certainly be glad of your business....

Torry_Quine

[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?]

Yes residents get some financial help ie £153 for personal care and £69 for nursing care which at £222 comes nowhere close to paying fees which still run into large sums of money. My relative was still paying over £2000 per month and that was over three years ago. There wasn't a home to sell but if there was it would have needed to be sold to pay. Once the money reduced the majority of pension goes to the home. There is also no Attendance Allowance.

[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.]

That is very easy to say but is not always possible in practice. No-one should be made to feel guilty that a relative is in a care home.

MissMoneypenny

marklv wrote: »

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.

So what would happen where (as in our case) my mother needs someone with her 24hours per day? We work, so aren't in much. Or you suggesting that we should give up work and claim benefits so we can be home 24/7 to care for our parents? Wouldn't that cost the state more in the long run?

What about when she needs to go on a drip (as she is now)?

seven-day-weekend

I would just like to point out to some on here who may think otherwise, that it is US who would like to safeguard our family home for our son if we legally can. His attitude would be that if we need to sell the house, then it is ours to sell, go ahead and have a good quality of life.

As I say, hopefully the proceeds from our second home should cover any nursing home fees, so with a bit of luck our son will get the inheritance we want to give him without any of us defrauding anybody.

By the way, in Spain (as well as in France like someone else mentioned), you are not allowed to disinherit your children. But if you had already sold the home to pay for care fees, then it wouldn't be there to inherit, would it?

MissMoneypenny

marklv, are you a son who wants to inherit money from your parents? Or a parent who wants to leave money to your children?

May I suggest that you go and look at the state run care homes and see if you would be happy putting your parents in there, so you can get their money.

marklv

MissMoneypenny wrote: »

If you look on the mortgages board, some people are paying their mortgage payments with benefit money (DLA, IS, Tax Credits). Do you think they should they get a free care home too? Or should the state take its money back, to pay for their care in old age?

I believe the state will only contribute to the interest on mortgages, not the capital, and if people genuinely have no money then the state will have to provide anyway.

bendix

MissMoneypenny wrote: »

marklv, are you a son who wants to inherit money from your parents? Or a parent who wants to leave money to your children?

.

I dont think you need to be a rocket science to work that one out.