Gift from Grandmother

Keep_pedalling

DRFC1879 wrote: »

Ha! I'm not a monster and it's not my call anyway as it's my wife's GM but if it came down to that, one of her sons doesn't work and would probably be her carer. Never say never, but as above it looks like it's all fairly academic anyway.

Hopefully, like the majority of people she wont need it, but also I doubt she would want her son to carry out care of an intimate nature that the elderly often need.

xylophone

It would seem that in this case, neither IHT nor deprivation of assets considerations apply.

If the lady in question required personal care at home, a female carer could be employed to deal with bath/shower.

The problem comes with incontinence which requires all day attention.

A son of my acquaintance found it very distressing to have to cope with this aspect and a home which provided for the needs of the frail elderly was found to be necessary.

le_loup

DRFC1879 wrote: »

The family have no intention of putting her into a home anyway so we should be fine.

This sort of comment really frightens me. With luck the lady will not need care but if she should develop aggressive dementia, be doubly incontinent and wander around at night - then she will.
It's a shame that people who have no experience can be so dismissive of care homes.

CLAPTON

ok suppose we assume that one day in 15 -20 years time the lady in question may go into a care home

would the advice be different?

le_loup

Hope for the best but plan for the worst.

Mojisola

DRFC1879 wrote: »

As she owns her home I'm guessing that the deprivation of assets wouldn't come into play and given the total value of her estate neither would IHT.

CLAPTON wrote: »

ok suppose we assume that one day in 15 -20 years time the lady in question may go into a care home

would the advice be different?

In this case, neither DOA nor IHT are an issue.

In the case of someone who needs care now, they wouldn't be asked to account for all their spending from 15-20 years ago but there may be problems if the person had, say, signed their home over to someone else.