Advice needed regarding my mother's home

booklover

Hello everyone :hello

My elderly mother is becoming very worried about what will happen if she has to go into care, what will happen to her house?

What is the best advice she can follow to ensure that her daughters do not lose their inheritance? ::confused

Many thanks in advance for your help.

Fiona:hello:

A_Nice_Englishman

Get her daughters to look after her either in her own home or in one of theirs.

lynzpower

the difference will be between whether she needs social or nursing care, if nursing the NHS will organise this under their continuing care budget, as she would if she were in hospital. If its social care she needs and they are greater than can be provided in the community, she may live in a residential home, where of course ITS HER HOME, so why should she live there rent free?

I recommend speaking to your local social services dept for clarification on thier local policies.

booklover

Thanks for your advice A Nice Englishman but believe me your reply 'get her daughters to look after her either in her own home or in one of theirs' is ABSOLUTELY not and option for many reasons. Personal circumstances of my self and my sisters would not allow this to happen but i wish it was an option!!

Lynzpower thanks for your advice; at present she only needs minimal care but has recently been dischaged from hospital afterbeing seriously ill. Thankfully my sisters and I live very close by and spend a few hours with her every day helping her.

I would like to stress that it is my mother who is worried about her situation and at almost 82 this is causing her serious distress. I will suggest she seeks legal advice in relation to her house situation.

Thanks

Fiona

A_Nice_Englishman

Sorry of I sounded a bit abrupt, but the best advice would have been not to go iinto a care home if it was possible to avoid doing so. If she does have to go into one, this page explains the financial situation. http://www.direct.gov.uk/HomeAndCommunity/SocialHousing/CareHomes/CareHomesArticles/fs/en?CONTENT_ID=10031523&chk=W2hEIM


I can fully understand that your mother is distressed about the possibility of having to use her assets to fund her care. The only advice I can give is to reassure her that you don't want / need her money.

I say to my parents "Use it to pay for whatever you need or want. If there's anything left when you're no longer here, great, but I'd much rather you paid for the care you need if it comes down to it"

ABN

A_Nice_Englishman wrote:

I can fully understand that your mother is distressed about the possibility of having to use her assets to fund her care. The only advice I can give is to reassure her that you don't want / need her money.

I say to my parents "Use it to pay for whatever you need or want. If there's anything left when you're no longer here, great, but I'd much rather you paid for the care you need if it comes down to it"

I so agree with you on that.

Its what I told my mother and its what I told my kids.

Yet so often on these and other forums us babyboomers, as they like to call us, are told we are just being selfish for spending THEIR inheritance on trying to have a resonable retirement.

Cara79

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That's such a nice thing. When my grandparents unfortunately passed away, the whole family were amazed at the assets/money left behind and how we wish they'd spent it on themselves getting better heating etc etc.

I'm not too sure on the positon, but if your mother had to go into a nursing/residential home, then the proceeds of her house would pay for this (unless she had other monies etc which could be used first).

Cx

clutton_2

if she goes into care longterm, she almost certainly will have to sell her house to fund that care - more than half of pensioners will have to do this in due course. it is probably far too late now for her to "gift" the house to someone else, or put it in joint names, as the local authority may try to prove that she did so to avoid care costs.