Grandad losing his house!

KxMx

But everyone is assuming those that get it free and didn't save= shiftless and lazy. The world is not that black and white!!!

bryanb

Why does Grandad need a house if he's permanently living in a care home?

If anyone can supply an answer that doesn't involve inheritance I'd really love to hear it.

pelirocco

You should be thankful he has a house to sell to pay for care fees , he then has the choice and trust me money will make a world of difference to his final years .......after all if he doesnt spend the money on his self that would be such a waste of his years of hard work

NEH

Jock221 wrote: »

There is a way around this but it is too late for your Grandad, he could have signed his house over to a relative but it must be a clear 7 years before he needs help. I used to work in the old Supplementary Benefit office and if any one had land or property it was valued and had to be sold to fund the keep. It is unfair that he worked hard to buy his house, probably struggled at times to get the money, and yes we have them in every town and village the lazy gits who never worked for anything and get it all for free. Unfortunately you are in a catch 22 as he is not able mentally to sort this and no solicitor would take this on as you have to be in sound mind and body.

This is a bit outdated now, it is a very grey area, it can still be seen as delibrately disposing of assets....

There are a number of articles in this forum about it which have proved eye opening and interesting..

Savvy_Sue

If you look on the over 50s board for threads about funding for Continuing Health Care you will find that it is possible he won't have to fund his own care, if he is assessed as having enough medical rather than social needs.

you will also see it's often a long hard slog.

personally I'd prefer to have the choice about where I live than an empty house.

danlojo

KxMx wrote: »

But everyone is assuming those that get it free and didn't save= !!!!less and lazy. The world is not that black and white!!!

I was referring to the ones who cant be bothered to work, not the disabled or ones who genuinely cannot find work.

Oldernotwiser

danlojo wrote: »

I was referring to the ones who cant be bothered to work, not the disabled or ones who genuinely cannot find work.

And what about those who work damn hard on low incomes and are unable to save? It really isn't a clear cut division between non workers with no money and hard workers with savings!

seven-day-weekend

Grandad has an asset that means he can fund his own care (and has a choice of which home he goes to). If he can fund his care without selling his house then he does not have to sell it.

He will have to pay wherever he lives, in the home he will have no extra and full-time carers. These do not come cheap.

And as others have said, he may not have to pay anyway if he is classed as having nursing needs rather than social.

I do understand how he feels, I would feel similar, but in the end those who can pay their way should do. That other people can't should not be an issue.

margaretclare

bryanb wrote: »

Why does Grandad need a house if he's permanently living in a care home?

If anyone can supply an answer that doesn't involve inheritance I'd really love to hear it.

I'd want to ask the same question. If Grandad is moving into a care home permanently then he has no need of his own house. What is going to happen to the house once he moves out of it? Perhaps it should be returned to the council from which it was bought, to give another family a chance of a house - there are thousands on the waiting lists of most councils.

This type of topic crops up time and again, and again....

By the way, we have all worked hard, saved etc. My mother, for instance, did not live long enough to require any type of care home and she had nothing to leave when she died aged 64 in 1975. But she had worked from age 14 to age 60.

Jock221

Oldernotwiser wrote: »

Seven years relates to Inheritance Tax, for care home fees there are no set rules.

Not sure but either way if the property was signed over the Government couldnt touch it.