can we avoid care home charges

Just_Plain_Jane

spaniel_dog wrote: »

because I dont like to think what little inheritance I have left for my girls would be taken by the state for care that should be provided from all my 51 years of paying into the system

I'm not quite sure how you have the audacity to say that avoiding care home fees was never your intention given this comment you made earlier in the thread.

lostinrates

spaniel_dog wrote: »

, its remarks like that make those of us in nursing want to pack all in

Whilen Remarks like that make some of the rest of us with chronic ill health and longer to get used to it seek private care, and understand the value of choice in care provision, because while there is good and bad nursing in both sectors when you are choosing your care you can choose not to receive the poorly delivered care.


I'm very sorry you are unwell. Its sad and recent diagnoses can make people panic somewhat, as you've probably seen in nursing. You aren't however the only person to be faced with this sort of dilemma, address their moral stance. Some of us feel motivated enough to stick by our beliefs. My husband will be significant worse off from the way we have chosen to deal with our finances, and I claim nothing, because we are in the fortunate position of baing able to be self supporting and we believe that its moral to do so in our case at this point in time.

I wish you the best of luck with the management of your condition.

flipper_72

I feel aghast after reading all that but my question for the OP is how on earth did you pay Tax and NI for 51 years and still retire at 60?

Torry_Quine

spaniel_dog wrote: »

I dont have to keep going over it, suggest you talk to expert as i did, the tax free allowance can only be attached to one form income and as I still show as employed (irrespective of pay) that allowance attached to NHS so pension is unearned income
while only on low pay doing few hours week being told by the government have chance to pay less in stoppages was like a bonus we was not advised of consequences, if compare with analogy today would compare to PPI except we couldnt claim back
No intended to work up to and possibly beyond 65 I did enjoy my job as carer

I don't think much of your tax expert then. Your full allowance is available whatever the circumstances so you should get it. Maybe a call to your tax office is in order to check you are on the correct tax-code.

I accept that having to stop work before you planned is always hard but working till 60 in the care sector is hard enough.

It as your responsibility to check the difference paying a smaller stamp would mean, there had to be a consequence.

spaniel_dog

flipper_72 wrote: »

I feel aghast after reading all that but my question for the OP is how on earth did you pay Tax and NI for 51 years and still retire at 60?

started work at 15 stepped down to part time 15 hrs at 60 drawing pension same time just coming up to 65 birthday when apparently I will be tax free, would still be working now if condition hadnt taken over

spaniel_dog

lostinrates wrote: »

Whilen Remarks like that make some of the rest of us with chronic ill health and longer to get used to it seek private care, and understand the value of choice in care provision, because while there is good and bad nursing in both sectors when you are choosing your care you can choose not to receive the poorly delivered care.


I'm very sorry you are unwell. Its sad and recent diagnoses can make people panic somewhat, as you've probably seen in nursing. You aren't however the only person to be faced with this sort of dilemma, address their moral stance. Some of us feel motivated enough to stick by our beliefs. My husband will be significant worse off from the way we have chosen to deal with our finances, and I claim nothing, because we are in the fortunate position of baing able to be self supporting and we believe that its moral to do so in our case at this point in time.

I wish you the best of luck with the management of your condition.

I only came to this site to find out out the rules of selling property I am not panicking just doing sensible thing and planning out future

Torry_Quine

spaniel_dog wrote: »

started work at 15 stepped down to part time 15 hrs at 60 drawing pension same time just coming up to 65 birthday when apparently I will be tax free, would still be working now if condition hadnt taken over

Once you stopped working then you stopped paying NI so you haven't paid since you were 60.

spaniel_dog

Torry_Quine wrote: »

I don't think much of your tax expert then. Your full allowance is available whatever the circumstances so you should get it. Maybe a call to your tax office is in order to check you are on the correct tax-code.

I accept that having to stop work before you planned is always hard but working till 60 in the care sector is hard enough.

It as your responsibility to check the difference paying a smaller stamp would mean, there had to be a consequence.

it was tax office who drew this to my attention and reclaimed back the allowance on my pension currently paying back £200 month

spaniel_dog

Just_Plain_Jane wrote: »

I'm not quite sure how you have the audacity to say that avoiding care home fees was never your intention given this comment you made earlier in the thread.

still say same seeing as the care homes in my area are private with very bulging pockets

spaniel_dog

mountainofdebt wrote: »

Doesn't matter how old or poor you are, manners cost nothing.

thats rich looking at the comments thrown at me, pot calling kettle