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Mum wants to gift her house to me
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Given that mother is thinking of doing this in order to avoid paying for her care, it's definitely DDA and will remain so, even if she doesn't need care for another 50 years!
Please reassure your mother that she does not need to do this, that her home will not be 'taken' if she needs care. There will be options (although selling a house which no-one is living in is often a better option than leaving it empty).
What she could (and arguably SHOULD) do is make a Lasting Power of Attorney for Property and Finance, and one for Health and Welfare, and discuss with you and at least one other attorney (maybe your husband) what she'd like to happen if she needs care, and enable you to take care of things by using whatever resources she has available should she lose capacity to take care of things herself. But her resources would remain HERS!Signature removed for peace of mind6 -
If your mother does gift the house to you and somehow gets her care home fees covered, does she also realise her pension(s) will be taken, leaving her with only £25 or so each week for personal spends. In my neck of the woods that is less than one hair do each week. Forget having feet care, treats, magazines, new clothes etc. Many don’t seem to realise this. Pay for your own care and use savings / other assets to plug whatever costs the pensions don’t cover.As others have said, self funders can choose when the time is right for them to make the move. Council funded people do not get that luxury, instead that must wait until an assessment confirms the absolute need for more than home visits. A friend of mine is running back and fore helping her dad at home, well past the point where my mum had moved into self funded care.1
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paul2louise said:itsthelittlethings said:If you ever need to claim benefits I think this could be an issue for you as you’ll be treated as having capital.
There are a lot of disadvantages to this, for both you and your mum. Even if none of those come to pass I agree with some of the others. If put in that situation your mum wants choice. I've been to a lot of care homes (I used to work in this area) and there's a massive difference between those homes with mostly council funded residents and those where they're all privately funded.
Personally I think the negatives outweigh the positives for all involved but I'm getting the vibe you've made your decision already. For the record I've been in a similar situation in the past and I advised my relative to keep all of her property in her name. She's now in care and I'm glad I didn't take the opportunity to do this as she's in a great care home she simply wouldn't have been able to afford otherwise.0 -
paul2louise said:Mum is on her own, she has been talking to friends and has said that wants to transfer her house to me so that it wont be used to pay for her if has to go into a care home.
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"It used to be so many years elapsing before it became safely transferred (7 or 11 years i think ) but im not sure of the exact details now."
As stated Google Deprivation of assets, there is no limit they can go back if they think the intention is as per the OP's stated attention.
So as stated it probably will not achieve the objective and could incur legal fees when they come after the money.0 -
People trying to avoid paying for their care often have a complete fantasy as to what the council will provide, and equally important, when.2
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I just find these types of threads very hard to comment on, my last warning was given in a similar thread.
There's certainly a sense of irony asking taxpayers (by and large) what the best way is to ensure that taxpayers pay for their parents care, instead of them.
In my opinion these types of threads which are unequivocally asking for advice on how to deprive oneself of assets to avoid paying for care should not even be allowed on MSE, there's no ambiguity in the intention.
You don't get people asking for advice on robbing banks here, we shouldn't allow people to ask for advice on robbing taxpayers.
But that's just my opinion. I know this sort of practice is regrettably common, e.g.:
We simultaneously wonder why we have a social care problem in this country.njkmr said:But there are ways around it.
We did it with my mothers house.
It used to be so many years elapsing before it became safely transferred (7 or 11 years i think ) but im not sure of the exact details now.
Others may advise.Know what you don't13 -
I have read all the comments and I know nothing about it. She is meeting with a solicitor so they can explain it all to her. I will obviously explain what you have all told me too. Thank you for the replies0
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Exodi said:We simultaneously wonder why we have a social care problem in this country.4
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paul2louise said:I have read all the comments and I know nothing about it. She is meeting with a solicitor so they can explain it all to her. I will obviously explain what you have all told me too. Thank you for the replies
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