Loss of Property to pay for Social Care

Pollycat

McKneff wrote: »

Most of these people are more bothered about their 'inheritance' being whittled away rather than their parents comfort in their old age.

I'm happy to give the OP (and most others who post on here) the benefit of the doubt about their motives in asking about care homes, fees and houses but it would be nice to get feedback about how helpful/useful the advice given has been.

le_loup

Pollycat wrote: »

it would be nice to get feedback about how helpful/useful the advice given has been.

Too true. So many 1st time posters don't come back with feedback hence my comment on why we bother.
I suppose, one of the problems now is the shear size of this board, maybe they can't find their way back to their posing. I know when I started, it was possible to visit once a day and read all the postings in one's field of expertise in a few minutes including a couple of replies. These days, if you miss a day, there are pages and pages of unread material ... and I only frequent four areas!

ViolaLass

annie_tanks wrote: »

Please can some-one tell me exactly what I paid into for the last 45 years of my tax/national insurance for, equating to a third of my salary..if not for my care in old age .

Because during those 45 years, you will have used/benefitted from:

- the benefits safety net (even if you don't use it, you are at least entitled to it if things go wrong).
- schools
- hospitals
- the police
- the judiciary
- your local GP
- roads
- public transport
- libraries
- street lighting

and so on. You're not paying for care in your old age - it's not a pension, it's a tax that pays for things happening now.

nealrobins

Thank you all very much for you contributions, helpful or not. Unfortunately, as I'm sure you all realise this is a an emotional situation and I am pursuing a range of options, hence the lack of reply.
Unfortunately everything that you have suggested in terms of the social workers and the care home, we are pursuing but it is taking longer to go through than we have the money to cover. We had just wondered if there were any other avenues we could try. We will get in contact with the politician mentioned above.
Obviously everybody would feel differently about their own parents, but this is a person who saved their entire life and had very clear directions about what they wanted done with that money once they were gone. It is not a question of 'getting her assets'. It is about some ones wishes being carried out. Especially, as if they hadn't bothered to save or buy a house and had spent it all themselves (which in my opinion they should have) all their care would be funded.
Those of you that are currently complaining that it is you who will be funding this as you are paying this, well that was her 10 years ago. So I very much wish that you and your family don't find yourself in a similar situation in a few years time. Its very easy to throw stones when you have not experienced the situation yourself.
Once again, thank you to all of you who offered helpful advice.

ViolaLass

nealrobins wrote: »

Especially, as if they hadn't bothered to save or buy a house and had spent it all themselves (which in my opinion they should have) all their care would be funded.

Although they then wouldn't get any choice about where they ended up or be able to top the funding up to make their care more comfortable/suited to them.

I know which position I'd rather be in.

property.advert

annie_tanks wrote: »

Please can some-one tell me exactly what I paid into for the last 45 years of my tax/national insurance for, equating to a third of my salary..if not for my care in old age .

Though often in the minority, I am with you on this one. Even in my lifetime, they have changed the goalposts and broken the established understanding, if not a specific promise, though I do remember something about cradle to grave.

I have seen families broken over this, within my own extended family as well. The established understanding was that you paid in during your working life and that covered you in retirement. That successive governments blew it all on benefits for immigrants and sponging single mothers is hardly an excuse.

So I say stuff them and do everything you can to make sure they never get a penny and to hell with the do gooders who would rather use your parents' house to reduce their tax bill !

le_loup

Why is it when a child is deprived of what they think is their right, they get all upset at others who have also "saved all their lives, gone without, laid out wishes .... blah, blah.
I have wishes too and it is that I don't spend my pension paying taxes so that others can get a nice windfall when someone pops their clogs.
Oh, and by the way, I have found and do find myself in a similar situation to the OP.

...... and of course "It is not a question of 'getting her assets'. It is about some ones wishes being carried out." is what we all believe, when it suits.
OP, I know you will think I'm being really nasty and I don't care about what you are going through. That is not true. I have every sympathy but what you wish for is not going to happen, so deal with it.

nealrobins

I apologise for not using the 'thanks' button before. This is my first time posting.
As for the Section 22 we are not entirely sure about what it involves. I am waiting to hear back from the solicitor.
If anyone has any understanding, please share it.

Pollycat

nealrobins wrote: »

We will get in contact with the politician mentioned above.

Neal - I wouldn't bother doing that.
I posted the contact details for the Minister of State for Care Services as a sarcastic response to annie tanks question below:

annie_tanks wrote: »

Please can some-one tell me exactly what I paid into for the last 45 years of my tax/national insurance for, equating to a third of my salary..if not for my care in old age .

Pollycat wrote: »

Maybe this guy can help you:
Minister of State for Care Services:
Paul Burstow, Department of Health,
Richmond House, 79 Whitehall, London, SW1A 2NS

Do let us know what his answer is.

nealrobins wrote: »

Thank you all very much for you contributions, helpful or not. Unfortunately, as I'm sure you all realise this is a an emotional situation and I am pursuing a range of options, hence the lack of reply.
Unfortunately everything that you have suggested in terms of the social workers and the care home, we are pursuing but it is taking longer to go through than we have the money to cover. We had just wondered if there were any other avenues we could try. We will get in contact with the politician mentioned above.
Obviously everybody would feel differently about their own parents, but this is a person who saved their entire life and had very clear directions about what they wanted done with that money once they were gone. It is not a question of 'getting her assets'. It is about some ones wishes being carried out. Especially, as if they hadn't bothered to save or buy a house and had spent it all themselves (which in my opinion they should have) all their care would be funded.
Those of you that are currently complaining that it is you who will be funding this as you are paying this, well that was her 10 years ago. So I very much wish that you and your family don't find yourself in a similar situation in a few years time. Its very easy to throw stones when you have not experienced the situation yourself.
Once again, thank you to all of you who offered helpful advice.

Neal - your Mum and her situation is no different from that of many of us or our parents.

My parents saved their whole life too.

My Dad had to fully fund his stay in a care home.

My Mum & Dad (sadly now recently deceased) also had clear ideas about what they wanted to happen to their money once they were gone.

Unfortunately, when someone has to go into a care home, it's not about 'someone's wishes being carried out' - it's about what an individual can contribute towards their care home fees, in the eyes of the Council.

I agree wholeheartedely about those people who've never worked and never saved getting their care funded - but that is the world we live in.

If you really believe your Mum meets the criteria for Continuing Health Care (CHC) - and that isn't just that she 'deserves' it as mentioned by Koicarp in reply #17 - then please follow the link to the thread discussing it on here and the link to the Guides by Counsel & Care mentione in my reply #3.

nealrobins

le_loup wrote: »

OP, I know you will think I'm being really nasty and I don't care about what you are going through. That is not true. I have every sympathy but what you wish for is not going to happen, so deal with it.

My understanding was that this was a forum for advice?