nans gone to a care home, , ,

oldone_2

Some people here are saying that the O.P is attempting to get the tax payer to fund the fees.Whilst this is strictly correct, what about those who spend all their money on holidays, and are broke when they go into a home. Were not their earlier actions an attempt (successfully) to get the tax payer to fund their fees, with the added bonus they have had a lifestyle many frugal pensioners can only dream about.

mjdh1957

The great thing about having assets is that your or your family are then able to choose a decent home. People who have no assets are placed wherever is cheapest, and some council-run care homes can be pretty grim places.

Like most things in life, you get what you pay for.

SailorSam

The Op was asking if she could buy her Nans house at a concession, well depending upon how big a concession surely there shouldn't be a problem.
They were planning on putting the house on the market for £60k, but houses aren't selling at the moment so if it sat there for months then a stranger came along and offered £50k that would be seen as what it's worth. Therefore why can't the Op buy it now for £50k. I can see if she was allowed to buy it for say £10k it might be seen as a fiddle , but £50/£55k could be seen as a fair offer for a quick sale.

kingstreet

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.

The council funds the cost of the care, takes a lien on the property and it gets the money back from the sale proceeds.

pelirocco

mjdh1957 wrote: »

The great thing about having assets is that your or your family are then able to choose a decent home. People who have no assets are placed wherever is cheapest, and some council-run care homes can be pretty grim places.

Like most things in life, you get what you pay for.

I agree with this 100% , the difference in care is huge .
It saddens me that people are willing to put their elderly relatives in the cheapest care places possible just so they can grab what funds there are .
I am not sure where the idea that the state should care for you after a certain age has come from .........certainly as a welfare state we should be caring for those who cant and whose families dont want the burden ?

kingstreet

There aren't that many council owned/run homes left these days. Remember, you cannot be forced to accept a placement if the offered home is wrong for you, or if there isn't a bed available at the home you'd like, at that time.

You may have to wait longer if the council is providing funding as it will only offer the A List price. Relatives can help by paying a top-up for homes which are more expensive.

Mojisola

Londonsu wrote: »

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.

This does seem to be a myth that more and more people believe.

If you have to go into a care home, the council doesn't "take" your house. You will be charged the cost of the care home and have to find a way to pay it.

You may have capital. You may rent out your house. You may sell it and use the money to pay the weekly charges. Relatives can club together to pay the fees so that the house is kept for their inheritance. How the payments are covered it up to you.

Most people will have a pension. Most going into a home will be entitled to Attendance Allowance. Capital then has to be used to make up the difference between that weekly income and the cost of the care home.

ruggedtoast

Londonsu wrote: »

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.

You dont understand how tax works then. End of life care and pensions are funded by current tax payers with the understanding that the generations below them will eventually do the same.

There is no cumulative account building up for which you are the eventual beneficiary. If the money doesnt exist out of current tax revenue and borrowing to provide free care homes for people with assets who's family dont want to know, then there are no care homes for people with assets who's families dont want to know.

As I stated before, care homes are not hospitals and will not accept severely unwell patients.

The OP, and her family, could look after her grandmother at home if they wished, until she is referred to hospital. This is what my family did.

They have chosen not to do this and now want to find out how to hide her assets so someone else foots the bill.

Which really annoys me to be frank.

Mojisola

hmv465 wrote: »

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.

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

How much is her weekly income from pensions and benefits? The 20k savings will last for a while as a top-up to her regular income.

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

nan will see none of this.

Yes, she will. She will have 24 hour care and all her food and other bills paid for her.

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

Why don't you rent it for the time being? Your sister, as POA could arrange this, and the money you pay will help pay for the care home fees and so reduce the amount drawn from your Nanna's capital.

Boozer

SailorSam wrote: »

The Op was asking if she could buy her Nans house at a concession, well depending upon how big a concession surely there shouldn't be a problem.
.

I would not see a problem buying it slightly below the value, but in the OP it is stated that they would pay back the family to ensure they get a share, not pay for the care required by nan.