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

marklv

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?

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

My parents died years ago and I didn't receive much inheritance, as they were poor and I had to share it with two brothers - no complaints from me, as that's life.

I take your point on state run homes, but as an alternative to these can a person not choose to opt for a private home and then pay the difference?

marklv

seven-day-weekend wrote: »

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?

But in Spain and France (and other Latin countries) many parents live with their children even when they become totally incapacitated.

marklv

MissMoneypenny wrote: »

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)?

I am sorry that your mother is in such a bad way.

MissMoneypenny

marklv wrote: »

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.

You missed my point. You are referring to when someone loses their job and the state pays the interest (up to a 200k mortgate). I am talking about people who claim benefits (such as Tax Credits, IS and DLA) and use that money to pay for a mortgage.

As state payments paid for their house, should the state still have to pay for these peoples care home fees?

marklv

Torry_Quine wrote: »

[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.

So, basically, the Scottish system is a total con. Thanks for clarifying!

marklv

MissMoneypenny wrote: »

You missed my point. You are referring to when someone loses their job and the state pays the interest (up to a 200k mortgate). I am talking about people who claim benefits (such as Tax Credits, IS and DLA) and use that money to pay for a mortgage.

As state payments paid for their house, should the state still have to pay for these peoples care home fees?

It depends on the circumstances affecting each individual case.

seven-day-weekend

marklv wrote: »

But in Spain and France (and other Latin countries) many parents live with their children even when they become totally incapacitated.

Yes - in my village in Spain the large extended families look after the very young, the very old, and the sick, themselves.

But we don't usually have extended families in the UK, so it's not always a viable alternative to care for them at home. If there are only two of you and you both work, who will be there to look after Grandma? In the extended families there is always someone around who can do so.

There is also a distinct lack of care homes for the elderly in Spain. (whether this is because of them being looked after at home, or whether that happens because there are no places in a home, I have no idea).

MissMoneypenny

givememoney wrote: »

. 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.

I agree about the fees.

Our recent experience has shown us that there are care homes and nursing homes and it depends which home is needed. Nursing homes being the more expensive of the two.

Like most things private, you pay more, but get better treatment and better surroundings.

Torry_Quine

So, basically, the Scottish system is a total con. Thanks for clarifying!]

Couldn't have put it better myself!

Glad to help. :j

MissMoneypenny

marklv wrote: »

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.

Some people in care homes, don't need nursing. Some people in nursing homes, only need some nursing, while others need full time nursing. The state pays for the nursing needs, although they are the ones who decide how much nursing is required.