Loss of Property to pay for Social Care

atush

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.

The crux of the matter is, they are not 'gone'. But still very much here and in need of the money to pay for their living costs.

Once 'gone' is when their wishes are taken into acct (after paying off debt). Wishes count then, not before i am afraid.

Good luck with trying to sort things out. I a mean that, and am not being sarcastic.

atush

Oldernotwiser wrote: »

What about the large amount of equity which will accrued because or house price inflation? Nobody's saved or worked hard to acquire that, it's just a matter of luck.

Not so sure. If you saved hard to be able to buy (and run a home) instead of spend spend spend- then in my mond you have helped yourself 'earn' any equity gained during house price inflation. Which in the end doesn't mean much as you still need somewhere to live even if you downsize a bit.

Pollycat

BobQ wrote: »

Maybe they have other things on their mind, things to do, or maybe they asked someone else (eg Age Concern) and got a professional opinion. Its wrong to be harsh on someone for not coming back.

The post you picked up on was was a response to something I said in post #22 - to the effect that I hope the OP comes back (not slating him that he hadn't).

That post wasn't getting at the OP, just making a general point that so many people don't come back.

Strange how you picked up on this from post #23 by le loup but didn't see the OP's further posts #25, #29 & #31 - showing he had come back.

FWIW, I think the OP's had some decent advice on here.

lucky_me_2

Working in a hospital that cares specifically for the elderly I have to say that I don't think people understand the pressure on the hospitals that are looking after the elderly - people moan about the NHS services but when we have this to contend with no wonder the services are not at their best! We have people on our wards that have been there for 4 months, all because their families refuse to budge and make our lives difficult when trying to help them find a nursing home for their elderly relatives! Nothing in life is free and why should tax payers have to pay for nursing fees! I'm sorry but the NHS is free and so many people take advantage of that - care in a nursing home should be paid for unless you have no means whatsoever to fund the care then I agree the state should pay but it is not fair if you have the money to pay for your fees!

monkeyspanner

lucky_me wrote: »

Working in a hospital that cares specifically for the elderly I have to say that I don't think people understand the pressure on the hospitals that are looking after the elderly - people moan about the NHS services but when we have this to contend with no wonder the services are not at their best! We have people on our wards that have been there for 4 months, all because their families refuse to budge and make our lives difficult when trying to help them find a nursing home for their elderly relatives! Nothing in life is free and why should tax payers have to pay for nursing fees! I'm sorry but the NHS is free and so many people take advantage of that - care in a nursing home should be paid for unless you have no means whatsoever to fund the care then I agree the state should pay but it is not fair if you have the money to pay for your fees!

Undoubtedly you have a hard job as do many of the relatives you castigate for wanting the best for their relatives.

The relatives would perhaps be capable of moving faster if:
-Social services actually took the time to explain the highly complex system of care funding.
-Social services actually assisted in finding suitable care home placements.
-Hospital discharge teams carried out their duties under CRAG rules and performed CHC checklists in a fair and even handed way leading to proper and timely CHC assessments using the DST.
-The NHS did not resist CHC funding using every underhand tactic at their disposal.

You talk of fairness regarding people with assets funding their care:
-Is it fair that they should pay more than a council assisted resident for exactly the same care?
-Is it fair that if they drop down dead one day the IHT exeption limit is £300,000 but if they are infirm and need a care home placement the limit is £23250?

The NHS regularly mistreats, neglects and harms elderly people in their care and all we hear is nurses are too busy form filling to provide even the most basic level of care. Essentially the NHS does not want to know about the elderly as they cost too much. I trust you will never be in the situation of having to find your way through the mess that is social and health care for the elderly either as a patient or a patient's relative.

Koicarp

lucky_me wrote: »

Nothing in life is free and why should tax payers have to pay for nursing fees! I'm sorry but the NHS is free and so many people take advantage of that - care in a nursing home should be paid for unless you have no means whatsoever to fund the care then I agree the state should pay but it is not fair if you have the money to pay for your fees!

There are so many inconsistencies in your contribution it was hard to work out what to quote. Nothing in life is free....the NHS is free!

Why should care in a nursing home be paid for? If the patient is placed correctly they are there for health (nursing) care- which is free via NHS continuing care. If they don't need health care they are innappropriately placed. Are you placing your patients appropriately?

Koicarp

monkeyspanner wrote: »

Essentially the NHS does not want to know about the elderly as they cost too much. I trust you will never be in the situation of having to find your way through the mess that is social and health care for the elderly either as a patient or a patient's relative.

I think most would be surprised by the cost of CHC. For adults in this small ex-mining town the annual cost is £38 000 000 currently. I've done three assessments so far this week (one more tomorrow), the three I've already done will go through, and cost £700k per year. I make no judgement on the appropriateness of this, nor do I make subjective judgements of patients and their relatives.

monkeyspanner

Talking about NHS costs. The NHS pension deficit has risen £61,000,000,000 (£61 billion) in the last two years, Roughly equivalent to £1000 for each of us in the uk. This is roughly equivalent to 30% of the NHS budget. Compare this to a reduction of FTSE100 companies combined pension deficits by £70 billion over the last 4 years to £20billion. Which sector has the worst working benefits?