Grandmother losing EVERYTHING!

[Deleted User]

I just wondered if anybody can help.

My grandmother is having a light onset of dementia and is 93 years old.

My father has had to put her into a home which costs £35k a year due to her recent falls and the distance in traveling.

She has been there for 18 months now and has had to sell everything and has now had to put her house(190k)on the market.

Now my father says she will have to sell everything to pay for her care home costs.
I am under the understanding that the NHS will only pay until she has not a penny left.
Now I am very upset as my grandmother has worked all her life and this is what she is now faced with.

There is no spouse left and only her two sons to inherit if there is anything left.

Any options whatsoever?

Thanks in advance.

Gingernutty

Try here.

When her savings fall below £23,250, then care is free.

[Deleted User]

Thanks for the reply.

I notice that the property might be disregarded if a member of the family lives there.
How about if I go and live there(i'm her grandson)This is not ideal for me but for the sake of my fathers inheritance this is possible.

Onawingandaprayer

Have a thorough Google for info/advice. There's loads out there.

For example: http://www.payingforcare.org/dementia-care-and-costs

IronWolf

Deleted_User wrote: »

Thanks for the reply.

I notice that the property might be disregarded if a member of the family lives there.
How about if I go and live there(i'm her grandson)This is not ideal for me but for the sake of my fathers inheritance this is possible.

I think it is only disregarded if a partner is living there. Also the LA will do an investigation before paying fees and they are wise to methods of deprivation of capital.

If you are living there they will probably not sell the house, but they will keep a running tab of the costs and bill you for them when the house is sold.

The only way to avoid these things really is to gift your assets to people many years before any medical issues arise.

katsu

She has worked all her life so has an asset to sell to provide her with good care. I presume your dad carefully choose the home for her.

The inheritance would have been nice for your dad but your grandmother needs it more it seems.

ETA I'm really not trying to be rude, but to suggest your family sees the positive in her care not the negative.

jem16

So what does your father want - an inheritance or for his Mum to have good care in a home of your father's choice or a council chosen home where the quality will be much poorer?

I know which one I would choose for my Mum or Dad and I suspect your Dad probably feels the same.

kidmugsy

The O/P is keen that the taxpayer should pay for his granny so that his father (and perhaps eventually him) can inherit the loot. I'm not keen: why should I pay for his granny? I've already got my work cut out saving to pay for my widow.

Archi_Bald

Deleted_User wrote: »

.... for the sake of my fathers inheritance this is possible.

So this isn't about your grandma, but about your father's inheritance. You expect the taxpayer to fund that, by the sounds of it.

p00hsticks

Deleted_User wrote: »

Any options whatsoever?

could you or your father have her live with you and look after her yourself, using the money from the house sale to buy in additional home support as needed ?

James_B.

Deleted_User wrote: »

Thanks for the reply.

I notice that the property might be disregarded if a member of the family lives there.
How about if I go and live there(i'm her grandson)This is not ideal for me but for the sake of my fathers inheritance this is possible.

You won't get much sympathy on here if this is your way of thinking, I'm afraid. The house is your grandmother's, not your fathers. You'd both be better off making sure she's as comfortable as possible for her remaining years (which I hope are as pleasant and long as can be). Maneovering while she's alive to get your hands on her property is not likely to work, and most people won't be keen to help you achieve it.