Grandmother losing EVERYTHING!

troubleinparadise

Deleted_User wrote: »

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.

This is a link to the Department of Health "Charging for Residential Accomodation Guide (CRAG)":

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/301250/CRAG_34_April_2014.pdf

Section 7.003 of CRAG lists when a house would be disregarded when a financial assessment for funded residential care is carried out:

7.003 Where the resident no longer occupies a dwelling as their home, its value should still be disregarded where it is occupied in whole or in part as their only or main home by
• the resident's partner, former partner or civil partner (except where the resident is
estranged or divorced from the partner, former partner or civil partner)
• a lone parent who is the claimant’s estranged or divorced partner
• a relative (as defined at 7.004) of the resident or member of the residents family (as
defined at 7.007) who
- is aged 60 or over, or
- is a child of the resident aged under 16, or
- is incapacitated.

It doesn't appear from what you have said that you fall into any of those categories.

These two factsheets from Age UK are very informative:

http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS10_Paying_for_permanent_residential_care_fcs.pdf?dtrk=true

http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS38_Treatment_of_property_in_the_means-test_for_permanent_care_home_provision_fcs.pdf?dtrk=true


There may also be funding available via the NHS Registered Nursing Care Contribution (RNCC) or NHS Continuing Healthcare. Your father could ask for your grandmother to be assessed for these fundings.

http://www.alzheimers.org.uk/site/scripts/documents_info.php?documentID=104


Had your grandparents made some advance planning, a legitimate method of 'safeguarding' a home is for joint owners to own it as "tenants in common", and leave their individual share to a beneficiary (adult child) in their wills. The resulting market share of a jointly owned house with an unwilling-to-sell joint owner is virtually nil, and as such will be disregarded, albeit with a potential stand-off with a Local Authority until this is accepted. Read this article:

http://www.theguardian.com/money/2014/aug/28/tenancy-common-care-home-fee-solution


That your grandmother is now seemingly happily settled in the care home is something to be very grateful for, even though the system requires that she pays for her care and it comes at the cost of a potential inheritance. This is that rainy day that she saved for.

MRMX9

IronWolf wrote: »

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.

There is an alternative - move your relative to Scotland before they need care. Its free there - us English taxpayers are so generous while we leave our own people to rot!

http://www.scotland.gov.uk/Topics/Health/Support-Social-Care/Support/Older-People/Free-Personal-Nursing-Care

colsten

MRMX9 wrote: »

There is an alternative - move your relative to Scotland before they need care.

I am sure you didn't mean to say it like that but it sounds not much better than saying she needed to be put into a home. People have deserved dignity, even if they might have difficulties making decisions for themselves. It is horrific to hear they should be 'put' or 'moved' somewhere.

jem16

MRMX9 wrote: »

There is an alternative - move your relative to Scotland before they need care. Its free there - us English taxpayers are so generous while we leave our own people to rot!

http://www.scotland.gov.uk/Topics/Health/Support-Social-Care/Support/Older-People/Free-Personal-Nursing-Care

Perhaps it would be better to actually read the link that you posted before posting such rubbish.

In Scotland free Personal or Nursing Care is available if you are assessed as needing either. Personal Care is worth £169pw, Nursing Care £77pw and does not cover "hotel costs" which still have to be paid for and account for the majority of the fees. Assessments are carried out by the Local Authority and are often turned down.

Anyone who is in a care home and receives free personal care is no longer eligible for Attendance Allowance.

atypical

The Care Act 2014 will completely change how care is funded from April 2016.

There will be a cap of £72k on care fees and people will receive some support if they have assets up to £118k rather than the £23k as it is currently.

It's nowhere near as simple as it sounds though:
http://www.saga.co.uk/money/news/2014/july/what-you-need-to-know-about-care-home-fees.aspx?pid=mn

Peter333

brendon wrote: »

I think this thread needs a little balance. While it is important that the grandmother receives good care, simply ignoring the monetary issues isn't wise. Perhaps the grandmother wants her sons to inherit the house, rather than liquidate it and pay it to a care provider. I certainly would. I think asking whether there are any reasonable options which would strike a balance between maximising the care of her grandmother and providing some inheritance to her benefactors is a reasonable and innocent question to ask.

I think it needs balance as well. The level of judgemental comments, underhand snideness, and thinly veiled hatred aimed at the OP is phenomenal.

Of COURSE he wants his gran to have good care, but why the hell SHOULDN'T he (and his father) be miffed at the thought of the money dwindling away, and HER HOME having to be sold, to provide her with her care? I expect gran is miffed too; she probably wanted the money, and the house, to go to her family; the money and house that SHE and her husband worked hard for.

And what is all this nonsense about 'oh you expect MY TAXES to fund your grandmother's care do you?' and similar comments; how snide. For a start, I bet some people saying that don't even pay tax, and also, what about people who rent their property and don't own? THEY would be kept in care with your precious taxes, wouldn't they?

The attitudes of some beggars belief; truly it does! The OP AND his father have every right to be hacked off at the proceeds from the gran's house having to pay for her care; especially - as I said - when millions of others get the care for free!

Most people would be just as annoyed; and anyone who says that they wouldn't; I don't believe you!

Peter333

kidmugsy wrote: »

Who the devil else will fund her? Will it be a magic money tree or maybe a unicorn? Grow up.

What a pathetic comment.

Who on earth funds people who do not have a property to sell then?

And the fact that you are now issuing personal insults (telling me to grow up,) JUST because I have a different opinion, says more about you than it says about me.

Not everyone is going to agree with you, you know.

Something you will learn in time when you get a decent education.

And I reiterate: people are being HORRIBLY judgemental towards the OP!

No wonder people use AE's when they want to post something sensitive and personal. There are so many nasty and spiteful remarks on this thread.

Glen_Clark

Peter333 wrote: »

And what is all this nonsense about 'oh you expect MY TAXES to fund your grandmother's care do you?' and similar comments; how snide. For a start, I bet some people saying that don't even pay tax,

In England everyone pays tax
Even the guy sleeping in a cardboard box on the street pays tax - VAT on takeaway food for instance........

Peter333

Glen_Clark wrote: »

In England everyone pays tax
Even the guy sleeping in a cardboard box on the street pays tax - VAT on takeaway food for instance........

But I bet the posters on here crowing the most, and the LOUDEST about 'why should MY taxes keep YOUR gran' are the ones who pay the least taxes!

And I bet THEY have never been in the OP's position, and if they WERE, they would shout the loudest about what a travesty it is that it's happening to them!!!

masonic

Peter333 wrote: »

But I bet the posters on here crowing the most, and the LOUDEST about 'why should MY taxes keep YOUR gran' are the ones who pay the least taxes!

And I bet THEY have never been in the OP's position, and if they WERE, they would shout the loudest about what a travesty it is that it's happening to them!!!

I don't understand why you are unable to understand the concept of state support being for those who are unable to provide for themselves. Personally, I'd love to see inheritance tax raised significantly to sidestep precisely these kind of issues, but I doubt that anyone who promised that would be electable.