Inheritance Tax/Care Home Fees/Depravation Assets
Comments
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SevenOfNine wrote: »Dementia FiL widowed 14 months earlier had own home & £20,500 in bank, had to pay FULL cost of carers 2 x per day via LA, nearly £500 pm until the day he died recently (with £14K in the bank). If mum moves in with family & then sells her home, it's likely she'll have to pay for all 4 carer visits per day herself....not a contribution.
I do know someone who sold her mum's home & built extension on her own property to house her mother. Over the years the rest of the oldie's money was utilised (properly) on her ordinary living expenses. Many years have passed & oldie finally needed nursing care home but LA still fought tooth & nail NOT to contribute a single penny, she died before it was resolved.
If you can find even a partial workable solution of some for care, some for family, some for herself, I don't think it's going to include being 'fair' to both her offspring. Deprivation pitfalls all over the place I fear OP.
Her LA already know she's a candidate for a care home at some stage, they'll keep their beady eye on her finances for sure.
Mum is in a similar position except she has not got dementia but about the same in the bank and currently owning her own home. They were guessing she might need to contribute £40 a week to the four 15 min SS visits but she'd certainly have to pay for all the other things I could not do for her due to her house being too far from mine and I have my children's needs to fulfil, school.run and the like. The "lonely" would not be resolved by this but I winderedif her selling up and buying a shared ownership (not sure what that means) ground floor flat (currently advertised at £60k) which is in reasonable travel distance of me. I could go in and help unpack food, do her washing and ironing etc and she'd still potentially have SS visit for eg to get her to bed. She'd keep the balance of the house sale. I assume this would not be DOA....selling a bigger more valuable house to be nearer to me should she eventually need full time care home?After 30 years of mortgage paying we are blessed to say we are MORTGAGE FREE 11 years early
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Just wondering what is actually wrong with Mum if, as you say, she hasn't got dementia. She needs 'help with getting to bed'? I'm genuinely puzzled by this.
It's true that many of us are getting older with disabilities of one kind or another. I am sooooo sorry for people who become demented. That's apparently no the case here. But what kind of disability requires help with getting to bed, and what happens if she wants to get up e.g. to the loo, and then go back?[FONT=Times New Roman, serif]Æ[/FONT]r ic wisdom funde, [FONT=Times New Roman, serif]æ[/FONT]r wear[FONT=Times New Roman, serif]ð[/FONT] ic eald.
Before I found wisdom, I became old.0 -
SpideressUK wrote: »They were guessing she might need to contribute £40 a week to the four 15 min SS visits
Just what are the carers expected to do in 15 minutes?0 -
Just what are the carers expected to do in 15 minutes?
We had longer visits.
Mum had a day center for free with transport (and escort), just had to pay about £5 for food.
Dad had a carer take him out for tea and cake.
Although our LA were/are pretty good.But what kind of disability requires help with getting to bed
My FIL had bad cellulitis (legs like tree trunks - full of liquid).
He could not lift his own legs into bed.
There are some treatments but he did not want them as compression is unpleasant/painful.
He had a carer come to put him to bed, but if he got out in the night (which he inevitably did), he would not be able to get back into bed and would stay in his recliner chair.
He did have compression when he was in hospital (and unable to object) and his legs went down in size massively, unfortunately he never got well enough to use them.0 -
Just what are the carers expected to do in 15 minutes?
Well, one of the things might be, as the OP mentions above, get her to bed.
This reminds me of when DH was sent home from hospital with a huge splint on his leg and still threatened with above-knee amputation (which didn't happen thanks to referral to a more specialist unit which did reconstruction). We were told he would HAVE to have a 'care package' encompassing 4 carer visits a day, even though we made it clear we didn't want it. It never happened, since I was able to refuse it when the county care provider phoned me just as he was on his way home. But we inferred that one of the visits would be to get him up in the morning and another to put him to bed. For this 15 minutes x 4 x 7 every week he would have had to pay.
This lady is on her own, but it has never been made clear just what her disabilities are - not dementia - and why she needs this level of help. I must also point out that, in modern terms, 74 is no age, and looking after her until she dies may mean another 2 or 3 decades.[FONT=Times New Roman, serif]Æ[/FONT]r ic wisdom funde, [FONT=Times New Roman, serif]æ[/FONT]r wear[FONT=Times New Roman, serif]ð[/FONT] ic eald.
Before I found wisdom, I became old.0 -
margaretclare wrote: »Well, one of the things might be, as the OP mentions above, get her to bed.
It's either going to be a horribly rushed business or the poor carers are going to end up staying longer for free.
There was a lot of talk of banning these 15 minute appointments unless they were purely to do simple one-off things like supervise medication being taken.0 -
Just what are the carers expected to do in 15 minutes?
I think they make sure she is out of bed and dressed, has a sandwich ready for lunch, is back in bed at night and just mainly ensure she is still alive/not lying fallen on the floor etc.After 30 years of mortgage paying we are blessed to say we are MORTGAGE FREE 11 years early0 -
margaretclare wrote: »Just wondering what is actually wrong with Mum if, as you say, she hasn't got dementia. She needs 'help with getting to bed'? I'm genuinely puzzled by this.
It's true that many of us are getting older with disabilities of one kind or another. I am sooooo sorry for people who become demented. That's apparently no the case here. But what kind of disability requires help with getting to bed, and what happens if she wants to get up e.g. to the loo, and then go back?
Her main issues seem to be the diabetes and lymphodema. She has permsnently ulcerated legs. Her feet and legs are always swollen to twice their size. She may have a heart issue as her breathing is bad...she cant walk far without getting out if breath. She needs help dressing/undressing due to the physical immobility. She can do her own toileting though and get clothes up/down for that.
She struggles to stand from a low seat but can "tip" to stand so tbe bed is high and she "tips to stand" and uses walking frame to get to same floor level toilet. Then using walking frame or furniture "falls" back to sit.After 30 years of mortgage paying we are blessed to say we are MORTGAGE FREE 11 years early0 -
SpideressUK wrote: »I winderedif her selling up and buying a shared ownership (not sure what that means) ground floor flat (currently advertised at £60k) which is in reasonable travel distance of me. I could go in and help unpack food, do her washing and ironing etc and she'd still potentially have SS visit for eg to get her to bed. She'd keep the balance of the house sale. I assume this would not be DOA....selling a bigger more valuable house to be nearer to me should she eventually need full time care home?
Shared ownership is pretty much what it says on the tin. She would not be purchasing the entire flat, but sharing ownership with a local housing association. Your mum's £60K will be buying only a proportion of the property (25%, 50% or 75%), housing assoc own the rest, hence it's called 'shared ownership' (& I don't mean the communal areas, I mean her actual flat).
You should know that mum will be paying rent for the proportion of her flat that the housing association will own, though there is usually the opportunity to purchase a bit more of a percentage along the way, but not at what was the current purchase price, if the property increases in value she'll have to pay that.
My brother has a shared ownership, he owns 50%, never got round to purchasing more of it & now can't afford to, still paying rent & always will be unless he buys the other half!Seen it all, done it all, can't remember most of it.0 -
SevenOfNine wrote: »Shared ownership is pretty much what it says on the tin. She would not be purchasing the entire flat, but sharing ownership with a local housing association. Your mum's £60K will be buying only a proportion of the property (25%, 50% or 75%), housing assoc own the rest, hence it's called 'shared ownership' (& I don't mean the communal areas, I mean her actual flat).
You should know that mum will be paying rent for the proportion of her flat that the housing association will own, though there is usually the opportunity to purchase a bit more of a percentage along the way, but not at what was the current purchase price, if the property increases in value she'll have to pay that.
My brother has a shared ownership, he owns 50%, never got round to purchasing more of it & now can't afford to, still paying rent & always will be unless he buys the other half!
Ah...so if she did that and died in 5 years and her £60k bit had increased in value the estate would just get £60k? Presumably her rent could go up year by year?After 30 years of mortgage paying we are blessed to say we are MORTGAGE FREE 11 years early0
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