can we avoid care home charges

pollypenny

spaniel_dog wrote: »

thanks for these kind words 74jax our daughters have said very same thing to us, this thought was one of the various alternatives we are looking at including equity release, to put the value in this house we have renovated and lived in for 40 years, to good use in our lifetime, I dont believe there is anything wrong in protecting what we have both worked hard for and we would get same level care if we hold assets or not. Back to my deep thoughts.

This sort of talk is puerile! Do you think that you are the only in that situation?

My father had to go into a care home, but he paid his own fees, from his states d miner's pension. These didn't cover the fees and his savings were eroded.

However, he had dignity and control over his finances.

Torry_Quine

spaniel_dog wrote: »

my age irrelevant, no I dont receive state pension I didnt qualify because I only paid what they called 'married womans stamp' I took out private pension very early in my working life, thankfully I have never needed to call on the state for any provision, so have taken nothing out but paid plenty in. I agree with paying for better care in the private sector if thats your choice but that should not be the case all care should be that better quality and only need to pay for the extras.

So you've never needed the NHS, your children all went to private schools etc.

ognum

spaniel_dog wrote: »

my age irrelevant, no I dont receive state pension I didnt qualify because I only paid what they called 'married womans stamp' I took out private pension very early in my working life, thankfully I have never needed to call on the state for any provision, so have taken nothing out but paid plenty in. I agree with paying for better care in the private sector if thats your choice but that should not be the case all care should be that better quality and only need to pay for the extras.

So actually you don't receive a pension because you didnt pay in for one, not because you paid and didn't receive it.

Of course you have called on the state, you have driven on roads, been educated and so have your children, used the police force and the fire brigade. Etc etc etc.

There is not enough money in the pot for us all to not pay for elderly care, you have provided no arguement why you shouldnt pay and the rest of us should.

The welfare state provides for those who do not have the funds, over the last years all governments have worked hard at closing the loop holes.

Of course care should all be of a good standard but it's not, it simply isn't, just like not all schools or hospitals are the same. So use your money to provide yourself with a comfortable old age, your kids will cope!

pollypenny

spaniel_dog wrote: »

my age irrelevant, no I dont receive state pension I didnt qualify because I only paid what they called 'married womans stamp' I took out private pension very early in my working life, thankfully I have never needed to call on the state for any provision, so have taken nothing out but paid plenty in. I agree with paying for better care in the private sector if thats your choice but that should not be the case all care should be that better quality and only need to pay for the extras.

I actually amended my post as I thought I was being a bit harsh.

However, you sound so smug and self-satisfied that I can't understand why you are contemplating conning 'the state for any provision'.

Most people work hard and have 'paid plenty in'. Some of us are still paying.

spaniel_dog

74jax wrote: »

That's ok, its a subject which for obvious reasons, I hold very dear.

My parents too have only ever had that 1 house, bought for 1k and paid for by my Dads hard graft. My brother was born in the house 55 years ago. But it is bricks and mortor. Not family.

I would check the level of care out though. The BUPA care home my parents go to weekly only has 2 beds funded by the government and the occupants of that room get moved around the other carehomes. It may just be the area my parents live in that does that though.

My parents won't sell up and move nearer me or my brother but my Dad comes and stays with me for respite.

I understand your views on wanting to protect what is yours, I truly do. But remember it will be used for YOU. Not taken off you never to be seen again - that may help ease things?

Could you buy a larger property with one of your children, so they can offer you full time care if the need arises?

fortunately my children live close enough to keep 'daily eye' if needed but I would never want them to feel they need to they are both in demanding careers with families, I had to look after my parents and hold down full time job its no joke, my sister and myself did it so they didnt need to go into care and be 'drain on the state' (as I have been accused of). Going into care sometimes is the only choice but I dont see why we should pay for a decent level of care, should be equal for all who want and paid for if you want the luxury end
we are coming down to thinking of raising funds through equity release, adapting the house and enjoying the fruits of our labor, between us my other half and myself have worked total 102 years paid tax and insurance all that time, yes on low pay,less than the minimum wage, never took anything, so the rudeness of a previous thread uncalled for

jacques_chirac

I'm smelling troll!

Nicki

You could preserve your children's inheritance (and still hold your head up high) by choosing not to go into a care home when you get to the point where you can't care for yourself. OK that leaves you either moving in with said children or being found dead of starvation at home after several weeks but them's the choices really. If you do give your assets away you can expect them to be traced and applied towards your care unless you manage to cope for a very long time before becoming incapacitated.

What you are really asking is for individual taxpayers to give your children a lump sum payment equivalent to the value of your home or the coat of your care whichever was less when you die. Why should we? We don't do that for anyone else's children.

peachyprice

spaniel_dog wrote: »

between us my other half and myself have worked total 102 years paid tax and insurance all that time, yes on low pay,less than the minimum wage, never took anything,

That's quite amazing, you managed private healthcare, private pensions, private education, private transport, all on less than minimum wage. Martin Lewis should write a feature on your life.

spaniel_dog

ognum wrote: »

So actually you don't receive a pension because you didnt pay in for one, not because you paid and didn't receive it.

Of course you have called on the state, you have driven on roads, been educated and so have your children, used the police force and the fire brigade. Etc etc etc.

There is not enough money in the pot for us all to not pay for elderly care, you have provided no arguement why you shouldnt pay and the rest of us should.

The welfare state provides for those who do not have the funds, over the last years all governments have worked hard at closing the loop holes.

Of course care should all be of a good standard but it's not, it simply isn't, just like not all schools or hospitals are the same. So use your money to provide yourself with a comfortable old age, your kids will cope!

Services you mention are paid from the Community Charge not National Insurance two entirely different sources funding I paid the small stamp until the age 40 then switched to full stamp to be told at age 60 had not paid enough in those 20 years to get a state pension, so paid for 20 years for no pension but happy to for the NHS etc
I am not arguing that some should pay and not others, my argument is why should anyone pay for what should be free and let those pay who want the luxury private end, these charges are not historic and like the latest proposed charges for NHS treatment, creep in under the radar, why not use your energy to fight for a better free service

Just_Plain_Jane

Oh so you're actually campaigning for better state-funded care packages for all.

You chose a strange title for your thread if that's the case. Keep digging.