How to stop nursing home seizing a house

Gigglepig

anon123456 wrote: »

im not after a free house or anything from this.

I'm trying to save my in laws from having to sell their family home and keep the inheritence the grandfather wanted them to have.

NO PERSONAL GAIN ATTEMPTED HERE

Then I'd suggest you move out of the house immediately, either privately or with family until you have the deposit. This way your wife's parents can put the house on the rental market asap, the income + assets should help foot the care bill for a fair few years.

peachyprice

anon123456 wrote: »

im not after a free house or anything from this.

NO PERSONAL GAIN ATTEMPTED HERE

Really?..............

anon123456 wrote: »

ok they will want the house now, the homes liquidate all assetts when you go into car. so we have to move out very soon.

Starting a family: Because we thought we had the place we were in rent free for at least 5 more years

lolly_896

OP there isnt a way.

It is hugely unfair that GF has probably worked most of his life to provide for his family and in the end everything is taken to pay his care fees, if he had never contributed anything he wouldn't be paying a penny - BUT the homes are chosen by the state and they wont be paying £925pw. I hope GF is happy in his new home

duchy

anon123456 wrote: »

im not after a free house or anything from this.

I'm trying to save my in laws from having to sell their family home and keep the inheritence the grandfather wanted them to have.

NO PERSONAL GAIN ATTEMPTED HERE

So if you were to pay rent on the house and that was used to clear some of your inlaw's debt (or you moved out and the house rented out) that income would make a nice hole in your inlaws debt in three years and they might just get to keep their home (although downsizing now into your house would clear ALL their debt and as you're not looking for personal gain you could go and rent -right ?)

Oh PIL have a three bedroom house-you could go live with them !

skintchick

I just noticed that GF is no more ill than he was before, it is his carer who is ill.

Why don't you or your wife take over the duty of carer and then he wouldn't need to go into a home?

p00hsticks

anon123456 wrote: »

Yes but what is the point of paying ni and paye for 45 years then! that's what should foot the bill

Well, his NI contributions are now hopefully providing him with a state pension.

You don't say which of the home countries you are in, which may make a difference. I'm not an expert, but my understanding is, that in England at least, if your grandfather is genuinely ill and in need of medical care, then his care should be funded by the state. But if he is in a home simply because he is frail due to old age, unable to cook for himself etc, then you basically have two choices - care for him within the family, in which case you get to retain his assets, or use his assets to pay for someone else to care for him.

PoorCharleyBear

There is one way you can keep your rent free home:

don't let GF go into a care home, instead look after him in your home. That would save the money and you would be doing something to 'earn' the free house in which you live.

duchy

skintchick wrote: »

I just noticed that GF is no more ill than he was before, it is his carer who is ill.

Why don't you or your wife take over the duty of carer and then he wouldn't need to go into a home?

I missed that too
If you were to contribute to his care to an amount equal to the commercial rent on your home -he wouldn't need to go into a home ?

Certainly seems you have more options than you first thought OP which is great. You can save your PILs home and future either by paying rent or one of you caring for GF -Good news !

Mojisola

anon123456 wrote: »

ok they will want the house now, the homes liquidate all assetts when you go into care. so we have to move out very soon.

No, they don't. The home will give your grandfather a bill. How that gets paid is up to him and the family.

GF will be getting a pension and presumably Attendance Allowance which he will keep if he is self-funding. If you paid rent, that would add to his income.

Could you move in with the in-laws and rent the house out at a market rent?

Has he been assessed by Social Services to see if he could manage at home with carers and family members helping? Would he like that?

Is the home the only one available? Prices do vary around the country but that price around here would be a top-of-the-range home.

Does anyone have Power of Attorney for him?

There are a lot of options to consider. It's unfortunate that you have planned your life based on living rent-free for years ahead but things have changed now and you have to face up to it.

AgeUK gives advice about paying for care - https://www.ageuk.org.uk/home-and-care/

liney

So basically Grandad moved in with his daughter and let his granddaughter live in his house rent free.

Daughter is now too ill to look after Grandad, and grandaughter cannot or will not step in.

I assume that daughter's illness is not the temporary kind, or you would not be thinking long term.

Surely the most sensible option, if you really are set against Grandad's house being sold, is that you all live in the 3 bed property and rent out Grandad's house. You can then use the rent money to subsidise a private care arrangment for the times that you and your wife are at work which will be substantially cheaper that a Residential Home. Your total household bills are sure to be cheaper than running two homes, and you can start saving for the future.