Putting home into family trust to avoid nursing home fees

cavework

lissadenton wrote: »

and i thought shared rooms were illegal.

No it is not.. people who have major problems with speech after a stroke need human contact in other ways, such as sharing a room.
LOL .. no Dad hasn't got a Boyfriend (sorry for that) but at the age of 89 I would not care if he had .. or if he decided to smoke 60 fags a day or drank whiskey till it came out of his ears.;)
xx

lauhar2010

I have just been reading some of the stories on here and i two have been and seen the hell that is gone through via nursing home fees.

My grandmother went into residentual care 5 years ago we sold her house and used all what was hardly any savings to pay for care in her residentual home.
Sadly arounf two years later she stopped eating and vastly deteriated badly she ended up in hospital and was hours from death. They managed to get her sorted as best you can with someone who cant talk walk. feed themself cant swollow and is doubly encontetent. She was then entitled to continueing health care via the NHS. She was placed into care and improved a little by that i mean she gained 7KG over 18months. Now we are being told she is no longer entitled to this and now we are once again going through finances after finance to place her in anaother home because we cant afford where she was placed via the nhs. She is also very vocal.

an 86 years old later being forced to move home because the NHS will no longer pay simple because she has gained weight.

This story i feel is a disgrace to society there are so many people out there in the same boat i for one would like to unite and make a stand and help more people who are being treated in this disgusting manner.

Why should prisoners recieve treatment of a new house etc when they have commited crime yet elderly people give up every penny because they cant get funding.

If anyone is with me please email me i have plenty of video's of my nan in her state to show people her condition.

This condition has not only destroyed my once happy nan but it has stressed my family to the core and i dont think people know the impact these condition have on the lives of the elderly and the carers and families who have to stand by and watch them treated this way.

Bogof_Babe

I find it hard to understand why some people consider care/nursing home fees of £475 a week "scandalous". That's less than £70 a night - you could barely get a room in a decent hotel for that, never mind all meals and 24-hour care, laundry, round-the-clock staff on call etc. etc.

The OP's mother is paying £128 a day, which is approaching what I'd expect the services received to cost, given that it sounds like she needs at least some medical provision too.

If a parent no longer needs their house because they now live somewhere else, why on earth should they expect to cling on to it? (Rhetorical question, I know the answer ).

I have no children so perhaps don't see it from the "want to leave them an inheritance" perspective, but I still find it hard to understand why people believe they are owed an inheritance just by the random luck of having the right parents (i.e. not ones living in rented accommodation).

lauhar2010

Bogof_Babe wrote: »

I find it hard to understand why some people consider care/nursing home fees of £475 a week "scandalous". That's less than £70 a night - you could barely get a room in a decent hotel for that, never mind all meals and 24-hour care, laundry, round-the-clock staff on call etc. etc.

The OP's mother is paying £128 a day, which is approaching what I'd expect the services received to cost, given that it sounds like she needs at least some medical provision too.

If a parent no longer needs their house because they now live somewhere else, why on earth should they expect to cling on to it? (Rhetorical question, I know the answer ).

I have no children so perhaps don't see it from the "want to leave them an inheritance" perspective, but I still find it hard to understand why people believe they are owed an inheritance just by the random luck of having the right parents (i.e. not ones living in rented accommodation).

i see your point but thats all verywell its not the fact that we want there inheritance i just think these elderly people who have righhs and have paid there due's deserve a little but of compasion and care and the right to have somethink for free where is the money thats invested into other services ....why cant they invest some on one of the uk fatest groewing illnesses.

margaretclare

Bogof_Babe wrote: »

I find it hard to understand why some people consider care/nursing home fees of £475 a week "scandalous". That's less than £70 a night - you could barely get a room in a decent hotel for that, never mind all meals and 24-hour care, laundry, round-the-clock staff on call etc. etc.

The OP's mother is paying £128 a day, which is approaching what I'd expect the services received to cost, given that it sounds like she needs at least some medical provision too.

If a parent no longer needs their house because they now live somewhere else, why on earth should they expect to cling on to it? (Rhetorical question, I know the answer ).

I have no children so perhaps don't see it from the "want to leave them an inheritance" perspective, but I still find it hard to understand why people believe they are owed an inheritance just by the random luck of having the right parents (i.e. not ones living in rented accommodation).

I agree with all of this. I have one surviving 'child', 3 grandchildren and 2 step-grandchildren and I still agree with this.

Nowadays £70 a night is the cheaper end of the B&B market. Just bed and breakfast, nothing else. In Premier Inn, Days Inn etc, you get a room for the night and nowt else. You have to go and eat in the next-door Burger King or similar.

I think the lady being discussed IS having 'compassion and care'. The fact that she has managed to regain 7 kg in weight, after being just about at death's door from not eating etc, shows that she must have had a lot of compassion and care. We read quite frequently of older people being 'left to die', not fed, not hydrated etc.

And what is 'one of the Uk's fastest-growing illnesses'?

Bogof_Babe

margaretclare wrote: »

And what is 'one of the Uk's fastest-growing illnesses'?

Now there's a radical idea... how about people's houses being sold, but not to pay for their own care, which by some means would be "free", but to fund medical research into cancer, alzheimers, MND, and all the other incapacities that are desperate for funding, to give future generations a better chance of avoiding them.

This would prevent all the argy-bargy about inheriting, thus equalising the fortunes of people from all backgrounds, while providing the means to, in due course, hopefully ensure that fewer elderly people NEED to end up in care homes, because they will benefit from medical progress against the things that blight our old age.

cavework

Here is an even more Radical idea..
The Government stops sending aid abroad and looks after it's senior citizens at home

lauhar2010

cavework wrote: »

Here is an even more Radical idea..
The Government stops sending aid abroad and looks after it's senior citizens at home

this is apoint im trying tgo raise invest more into out uk citizens and less money into aids abraod.

WE need to fight this

benjo

Veryannoyed wrote: »

I'm afraid I'm not prepared to lose my only asset, my home, to pay nursing home fees so I'm considering putting it into a family trust with my children as the beneficiaries.

Does anyone have experience of this and the pitfalls?

We're already likely to lose my mother's home for this reason (her fees are £46,000 a year) and if there is a legal way of making sure our children inherit all we have worked so hard for over the years then we will take it.

The PCT / social services have been entirely ruthless in the way they have dealt with the family over my mother's case and although we did achieve full funding for her for a while it was quickly removed.

I'm going to be equally ruthless in preventing them from getting their hands on my hard earned cash.

Over simplistic solution that has worked for generations that I guarantee will prevent you loosing your assets to pay for care and prevent you paying a single penny more in care fees for your mother.

Go pick up your mother, bring her home, clear out the dining table and put in a bed, chair and tv in place of the table and provide the personal care that is costing so much and when your turn comes to needing care - your children get to do the same thing for you.

Like I said, over simplistic, I know it doesnt work for everyone, some people might not have a dining room, others work full time, others have complex medical needs etc - but this solution is sometimes not given sufficient weight as a realistic alternative and I do think it has merits beyond the financial.

Goodluck.

margaretclare

benjo wrote: »

Go pick up your mother, bring her home, clear out the dining table and put in a bed, chair and tv in place of the table and provide the personal care that is costing so much and when your turn comes to needing care - your children get to do the same thing for you.

It's what we did for my late MIL in the mid-1970s . Yes, we had the space to do it, but apart from that, it's not something I would wish on my worst enemy.

When she wanted to come and live with us, from Eastbourne to the Pennines, what we had no idea of was the fact that she had Alzheimer's. No one used that word then and no one knew much about it. You heard things like 'oh, old people get a bit funny, you have to make allowances'. When she got really impossible to deal with I was told, by a hospital social worker, that it was 'down to me'. 'But she's not MY mother!' 'Yes, but it's the woman who has to cope, isn't it?' The fact that I'd just started on a full-time degree course escaped their notice, or they thought I could just jack it in to look after a woman who'd never liked me and who, by then, referred to me as 'that woman her son had married, she left him, you know!' There was always a scrap of truth in her meanderings. Anyway, we did use the profit from her house sale to pay for a private care home for her, so no different from today really. Money well spent, until it ran out, when she was transferred to a LA home.