Grandmother losing EVERYTHING!

Matty007

masonic wrote: »

Corrected for you

You can speak for yourself, but dont ever think you can speak for me.

LHW99

Not sure if it has been said yet as I amy have missed it amongst the other posts, but at age 93 and needing care, an immediate care need annuity is likely to be good value.
The house may still need to be sold, but not all the money may need to be used for the annuity, which would then guarantee money to "meet the gap" between pensions and needs

masonic

Matty007 wrote: »

You can speak for yourself, but dont ever think you can speak for me.

I'm sorry. I thought, since you were speaking for the OP, that you wouldn't mind.

Matty007

I do not know, I assume that this is essential care and not a volunteered position.

I am guessing the care structure for dementia and its associated costs to be behind the curve as we all become more aware of the condition.

I still think it was a reasonable query by the OP that didnt deserve the personal attacks.

masonic

Matty007 wrote: »

I do not know, I assume that this is essential care and not a volunteered position.

I am guessing the care structure for dementia and its associated costs to be behind the curve as we all become more aware of the condition.

I still think it was a reasonable query by the OP that didnt deserve the personal attacks.

My understanding is that the decision to refuse funding for care was not made on the basis of the health condition, but on the basis of the OP's grandmother's financial circumstances.

The thread initially attracted some constructive and helpful replies, but, partly because of the way the thread title was worded, and partly because of the nature of the issue, it attracted some pretty polarised views. Clearly, issues like this will tend to be debated quite vigorously, and this will continue long after the OP has left the discussion.

Matty007

masonic wrote: »

My understanding is that the decision to refuse funding for care was not made on the basis of the health condition, but on the basis of the OP's grandmother's financial circumstances.

The thread initially attracted some constructive and helpful replies, but, partly because of the way the thread title was worded, and partly because of the nature of the issue, it attracted some pretty polarised views. Clearly, issues like this will tend to be debated quite vigorously, and this will continue long after the OP has left the discussion.

Isn't the point that if care is needed then as with all our other medical/health issues we would expect this to covered.

To differentiate between a 93 year old with dementia against perhaps a 43 year old with long standing mental health issues whilst both having financial parity, why would we expect our 93 year old to pay and not our 43 year old.

masonic

Matty007 wrote: »

Isn't the point that if care is needed then as with all our other medical/health issues we would expect this to covered.

To differentiate between a 93 year old with dementia against perhaps a 43 year old with long standing mental health issues whilst both having financial parity, why would we expect our 93 year old to pay and not our 43 year old.

Well there are housing costs as well as medical costs in the mix, but I agree that, in principle, lumbering unlucky individuals with all of these costs is not the right way to do it. However, the fact remains that the current tax system cannot meet the costs of funding everyone. This situation was unforseen by everyone. So tax reform is needed in order for funding to be expanded. As I've suggested earlier in the thread, inheritance tax reform is one way this could be funded.

Nocto

I know someone who spent a lot of time looking after an elderly relative, and after he died was quite open about expecting an inheritance…

He left her the cat! :rotfl:

seven-day-weekend

Some people don't need to sell their house. My friend's mum pays her fees with her income, doesn't even need to rent her house out, (it's standing empty, by her choice). Another elderly lady I knew had enough money from her Pensions. savings and renting her house out to pay her fees.

Maybe in some cases relatives can help out.

All that is required is that you pay the bill. No-one takes your house off you.

Steve_xx

seven-day-weekend wrote: »

All that is required is that you pay the bill. No-one takes your house off you.

And what do you think would happen if you did own a house, and you didn't pay your care home bills?