nans gone to a care home, , ,

hmv465

Sadly my Nanna has been diagnosed with a kind of dementia.
My sister now has power of attourney,

Nan has had to go in a care home.
cost is 45o per week.
Had she just need personal care I could of finished work and done this, however she has some occasional night 'do's' and needs 24/7 care.

she has saving of 20k
and a house worth 65k.

if she never had a house or savings, the goverment would ensure her care was paid for in this lovely home we have secured so far.
however
she has the house and savings.

Ive heard she must be left with 14k. for herself.

the house was left to our dad in the will. and cash to us.

question is.

nans house, weve had to put it up for sale.
value.
60k

nan will see none of this.

she asked me to take the house.as she wants me to have it.
im the only family member divorced and single parent.
my family are happy to let me have this.

surely legally I cant.

we want to put it up for sale,
can i buy this. and can I buy this at a concession?
and then set up a private payment for my family, as if I am getting the house at a low price, I can ensure my family get there share.

confusing. I know x

geoffky

No..you will find that you may end up in all kinds of trouble if you try it..no solicitor would touch it anyway..,this is something i am aware of and i have told my kids that one day everything might never get to them if care is needed later in life...its just luck of the draw...

you really need legal advice.

G_M

Basically you are asking how to cheat the local council out of the fees they will incur supporting your grandmother.

It may sound harsh, but if she has assets, then she needs to pay for her care. 'Hiding' those assets, whether by giving away the property or any other means, is illegal.

Sorry.

Darlyd

you need to see a good solicitor for advice on this.

I do know my Aunty inlaw signed her home over to my MIL infront of solicitor and lady from SS, before she went into a care home flat. And now in the home she is 101, and was 95 when she signed it over. MIL has it for sale now, giving half proceeds to the church as requested by Aunty.

FATBALLZ

I thought there was a separate subforum for "my poor old nana, has all this money and the government want her to use it to pay her way, but her wish was for me to have $$$$$$. Please help my poor old nana." posts.

PasturesNew

The person with a Power of Attorney legally has to get the best deal for your nan - not the best deal for you/your family as you feel fit to jiggle things about.

You can buy it, legitimately, if you can obtain a mortgage.

How many kids are there in the family? If they can pay the care home fees between them then there's no need to touch nan's money or house.

Your nan might want you to have the house, but has she written that into a legal will? If not, then even if she dies tonight you might not ever see it/a penny as the house goes to whoever is named in the will - and if there's no will then there's a legal pecking order and you're probably not on it.

ruggedtoast

You can carry on looking after her at home. My grandmother remained at home with Alzheimers until she was too sick for us to look after and she finished out her few remaining days at a mental hospital.

I dont especially recommend this, and the £450 may seem like good value to not have to look after an Alzheimers patient, but the government are not forcing her into a care home, and forcing her to sell her house, and forcing her to pay £450 a week for the privilege.

Care homes offer basic medical assistance round the clock and have to call a doctor or dial 999 in an emergency, like a home carer.

I dont wish to seem harsh but at some level your family has decided you would rather strangers do this than yourselves. There is nothing wrong with that , but you seem to want the taxpayer to foot the bill as well.

Darlyd

ruggedtoast wrote: »

You can carry on looking after her at home. My grandmother remained at home with Alzheimers until she was too sick for us to look after and she finished out her few remaining days at a mental hospital.

I dont especially recommend this, and the £450 may seem like good value to not have to look after an Alzheimers patient, but the government are not forcing her into a care home, and forcing her to sell her house, and forcing her to pay £450 a week for the privilege.

Care homes offer basic medical assistance round the clock and have to call a doctor or dial 999 in an emergency, like a home carer.

I dont wish to seem harsh but at some level your family has decided you would rather strangers do this than yourselves. There is nothing wrong with that , but you seem to want the taxpayer to foot the bill as well.

I agree somewhat.

I am a care worker and visit people in their own homes, We also do sit in's, sleep over's etc. So there is 24/7 available care and believe it or not works out cheaper than putting them in a home. Plus it makes them more comfortable at home. But if she decided to go into a home for company with other people her age then so be it. (one of my fave ladies decided this).

kingstreet

If the ownership of the property wasn't dealt with before the issue of care fees came up I would guess the council would view any plan to change the ownership now as a potential deprivation of assets if it doesn't take place at market value.

http://www.ageuk.org.uk/home-and-care/care-homes/deprivation-of-assets-in-the-means-test-for-care-home-provision/

Local authorities will try almost any means they can to keep someone in their own home for as long as possible. One reason for that is the cost. The other is the worsening of the condition which can be brought on by moving the Alzheimer's suffer away from a familiar location and surroundings.

Londonsu

ruggedtoast wrote: »

You can carry on looking after her at home. My grandmother remained at home with Alzheimers until she was too sick for us to look after and she finished out her few remaining days at a mental hospital.

I dont especially recommend this, and the £450 may seem like good value to not have to look after an Alzheimers patient, but the government are not forcing her into a care home, and forcing her to sell her house, and forcing her to pay £450 a week for the privilege.

Care homes offer basic medical assistance round the clock and have to call a doctor or dial 999 in an emergency, like a home carer.

I dont wish to seem harsh but at some level your family has decided you would rather strangers do this than yourselves. There is nothing wrong with that , but you seem to want the taxpayer to foot the bill as well.

It really annoys me when people say this dont you think that the OPs nan and her (presumably) deceased grandad have also been tax payers in their time.

I never ever see anything the elderly get as being taken from other tax payers more like taken from their own contributions - however greedy grasping councils dont see it like that and will most likely see it as deprivation of assets.

On another tangent, if an elderly person has to sell their home for
say 100k for care home fees and passes away after only using say 10k do the relatives get 90k back or does the council get to keep the lot, if so thats an issue that needs to be addressed.

Seanymph

the fees are taken out of the sale price weekly to cover the nan's care. They remain her assets and are used up as time goes along. Therefore if she passes away the remainder are still her assets.