Grandad losing his house!

judy2357

chriz1 wrote: »

Hi,
Recently my elderly gran has past away,
She was caring for my grandad who hasnt been able to walk for the past few years and is losing his mind a little bit as all the family work full time,he might have to go into a care home,
He bought his council house some 30 or so years ago.
And also has a bit of savings.
Now if this is the case he will have to pay for his keep.And sell the house to fund it.
I find this so unfair the guy has worked so hard all his life and has to sell his house something he's worked for :mad: is there anyway around this?
Any Advice please

Ive only just come across this thread and have glanced through the comments. I think your best course of action is to think about the positive ways your grandfather can keep some of his money if the house is sold. For a start take a look, here: http://www.direct.gov.uk/en/CaringForSomeone/CareHomes/DG_10031523
You need to get constructive advice re the amount that your grandfather is legally able to keep and not use for the payment of fees. I think I have heard somewhere that some fees can be avoided according to the medical condition of the person, sorry Im waffling here, something to do with what sort of care they need. Perhaps someone else knows more than me about this.

There are other things to consider, for example when your grandfather dies the funeral will cost £5000/£6000 (not sure exactly) by buying some sort of funeral bond when the house is sold can spending this amount of money after the person dies. I also think that reasonable gifts could possibly be given to members of your family from your grandfather for birthdays, Xmas etc. Just a few things to think about on a more positive side.

baby_potatoes

Another option is , its a longshot but workable is to hire and pay a worker to come in and take care of your grandad when your not around, you could be there for him in the evenings when your not working etc....its would still mean you get to keep an eye on him and his welfare and still benifit from the home in the long run. You could move in with him etc...unfortunatly its not going to get easier.

baby_potatoes

MissMoneypenny wrote: »

I didn't say that I would find it hilarious. I merely pointed out what could happen to the house you give to your daughter to avoid care home fees, if she marries and then divorces. Which was, that the house you live in would be part of her assets that she would have to divide with an ex. You, as the tenant, would be thrown out if your daughter couldn't find the funds to stop that.

Thats true when women marry the men want half the property if they divorce now even though the womens the one who seems to be looking after the kids. Nowadays there are men looking for women and show interest in them because of their wealth status. Good for her if she don't want to every marry, why should she let society force her to feel she has to marry. Its something still being inprinted and it always ends up sour sooner or later so its easier to walk away without all the paper work and asking a court for a divorce.

joolsybools

In times gone by the 'parent' would move back in with the 'child' and be looked after by them. It's called family. Something some of us seem to have forgotten the meaning of.

judy2357

joolsybools wrote: »

In times gone by the 'parent' would move back in with the 'child' and be looked after by them. It's called family. Something some of us seem to have forgotten the meaning of.

This is a good point, although the home of the 'child' is very often over occupied now due to their children still being at home for various reasons well into their adulthood.

Errata

There is an alternative to selling the house to pay the care fees. Lobby for the government to re-introduce free bed spaces in large back wards in local psychiatric hospitals and large geriatric back wards in local general hospitals.
This is what was available to the generation previous to the current older generation if they couldn't be looked after in a relative's home.

Times change, and change carries a cost.

Savvy_Sue

judy2357 wrote: »

Ive only just come across this thread and have glanced through the comments. I think your best course of action is to think about the positive ways your grandfather can keep some of his money if the house is sold. For a start take a look, here: http://www.direct.gov.uk/en/CaringForSomeone/CareHomes/DG_10031523
You need to get constructive advice re the amount that your grandfather is legally able to keep and not use for the payment of fees. I think I have heard somewhere that some fees can be avoided according to the medical condition of the person, sorry Im waffling here, something to do with what sort of care they need. Perhaps someone else knows more than me about this.

As I said earlier ... CHC funding, hard to get without a fight but it seems more people should get it!

judy2357 wrote: »

There are other things to consider, for example when your grandfather dies the funeral will cost £5000/£6000 (not sure exactly) by buying some sort of funeral bond when the house is sold can spending this amount of money after the person dies.

I'd say that was on the high side but obviously tastes differ!

judy2357 wrote: »

I also think that reasonable gives could possibly be given to members of your family from your grandfather for birthdays, Xmas etc. Just a few things to think about on a more positive side.

only along the same lines as he used to in the past: if he suddenly gives £1000 where he used to give a tenner, that' deliberate deprivation of assets.

also if granddad is "losing his mind a little bit", now would be the time for him to make a Lasting Power of Attorney, for both his Health and Welfare, and his Property and Finances. it will be so much easier while he still has 'capacity' rather than waiting until he has lost his mind a lot more ...

Oldernotwiser

goffo wrote: »

I think the poster means that the government will pay the care home fees instead, leaving the equity in the property which would normally be used to fund those fees, available to the daughter.

I know perfectly well what the poster means; however, what I mean is truer and more to the point!

Oldernotwiser

goffo wrote: »

Another way of looking at it is that those that have to pay after selling up are doing so, to subsidise the government. As you so clearly point out, no matter what you try to achieve in life, the government will want to take it off you one way or another, if you don't do something to stop them.
.

How on earth is paying for something for yourself "subsidising the government"? It's absolute nonsense!

Oldernotwiser

alishalexy wrote: »

It does seem very unfair and I would hate it if and when my time came. But unfortunatly they are making everyone pay, even kids who live at home if they decide to work at 16 instead of education because they want to work and better themselves they can't because they will have to pay for their parents rental home if their parents are poor/rent. They will also have to contribute towards the council tax so therefore teenagers can't even work to get themselves out, the council, system and government is making it extremely more difficult for the poor so poor parents will carry on having poor children and this will stay. While those that are better off own their own property, their children can keep/spend and use their money how they see fit. Its sad that kids have to pay for their parents way of life now. It will put teenagers off working thats all.
.

That is the biggest load of rubbish I have ever read!

As if kids who want to "better themselves" drop out of education at the age of 16 , or need to pay council tax!