Inheritance Tax/Care Home Fees/Depravation Assets

1235710

Comments

  • Brynsam
    Brynsam Posts: 3,643
    First Anniversary Name Dropper Combo Breaker First Post
    Forumite
    Maybe it's time to get some proper advice, based on a full understanding of all the circumstances? 'Free' advice on this sort of forum can cost you dear!
  • SpideressUK
    SpideressUK Posts: 196
    Photogenic First Post First Anniversary Combo Breaker
    Forumite
    Brynsam wrote: »
    Maybe it's time to get some proper advice, based on a full understanding of all the circumstances? 'Free' advice on this sort of forum can cost you dear!

    Yes, we are doing. We have found a solicitor who specialises in "care" things but it's via forums such as this we get the wealth of information/opinion/optiond we need to be armed with to take to a solicitor before they start charging their £200+ per hour.
    After 30 years of mortgage paying we are blessed to say we are MORTGAGE FREE 11 years early :)
  • Keep_pedalling
    Keep_pedalling Posts: 16,437
    First Anniversary First Post Name Dropper Photogenic
    Forumite
    If she sells the house, home visits will be need to be self funded, due to the level of saving she will then have.
  • margaretclare
    margaretclare Posts: 10,789 Forumite
    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.


    Thanks for the clarification. I feel very sorry for her. And from my perspective (83) she is no age yet.



    How does she control her diabetes - is she insulin-dependent?



    I watch my DH cope with his Type II on a daily basis and I am thankful it hasn't happened to me (yet). He really is constantly battling with it, never letting it take over his life, keeping control without losing his sense of humour or will to live.



    Does Mum have district nurse visits to treat her ulcerated legs? This is something I used to do in the distant past in my career.
    [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.
  • SpideressUK
    SpideressUK Posts: 196
    Photogenic First Post First Anniversary Combo Breaker
    Forumite
    Thanks for the clarification. I feel very sorry for her. And from my perspective (83) she is no age yet.



    How does she control her diabetes - is she insulin-dependent?



    I watch my DH cope with his Type II on a daily basis and I am thankful it hasn't happened to me (yet). He really is constantly battling with it, never letting it take over his life, keeping control without losing his sense of humour or will to live.



    Does Mum have district nurse visits to treat her ulcerated legs? This is something I used to do in the distant past in my career.


    Yes, insulin dependent and quite a high dose as her readings have never been stable/under contol. That is part of the reason for the hospital stay when dad died. He died nexpectedly and suddenly and lay dead on the front room floor for 8 hours whilst the police did their thing and an undertaker finally turned up (in spite of a prepaid funeral plan). No one knew how much insulin mum needed injecting or even where it/needles were kept as dad did all that prep for her. I called 911 but the paramedic had no idea what insulin either so gave a medium dose, she'd not eaten for 15 hours or so and was showing signs of "not good". She had food but by the time the undertaker finally came she needed blue light to hospital as there was not enough insulin in her and she was near coma.

    The district nurse comes for the legs but often missed her out due to workload. At times my dad was duct taping her sodden dressings to her legs from them being days/weeks overdue from changing.

    If she lives with family we now know how to prepare the insulin and she injects herself. If she lives alone a nurse will come 3 times a day for her insulin prep and a set amount of time for the compression leg bandaging.
    After 30 years of mortgage paying we are blessed to say we are MORTGAGE FREE 11 years early :)
  • SpideressUK
    SpideressUK Posts: 196
    Photogenic First Post First Anniversary Combo Breaker
    Forumite
    Another thing I thought - am I correct thinking mum can gift £3,000 per year (is that per tax year?) either wholly to my brother or on a £1,500 to each of us basis without any question of DOA am I correct in this? That could potentially give my brother £250 a month which pays half his £500 pm "minimum interest debt payment and this would all be completely above board and free from the DOA question? Also she can add 2 years allowance together and in effect have £6k this year to do that with?


    Is it £3k overall? Or £3k per child per annum with double that allowance the 1st year?
    After 30 years of mortgage paying we are blessed to say we are MORTGAGE FREE 11 years early :)
  • Mojisola
    Mojisola Posts: 35,551
    Name Dropper First Post First Anniversary
    Forumite
    Another thing I thought - am I correct thinking mum can gift £3,000 per year (is that per tax year?) either wholly to my brother or on a £1,500 to each of us basis without any question of DOA am I correct in this?

    No. It's an inheritance tax regulation.
  • margaretclare
    margaretclare Posts: 10,789 Forumite
    Yes, insulin dependent and quite a high dose as her readings have never been stable/under contol. That is part of the reason for the hospital stay when dad died. He died nexpectedly and suddenly and lay dead on the front room floor for 8 hours whilst the police did their thing and an undertaker finally turned up (in spite of a prepaid funeral plan). No one knew how much insulin mum needed injecting or even where it/needles were kept as dad did all that prep for her. I called 911 but the paramedic had no idea what insulin either so gave a medium dose, she'd not eaten for 15 hours or so and was showing signs of "not good". She had food but by the time the undertaker finally came she needed blue light to hospital as there was not enough insulin in her and she was near coma.

    The district nurse comes for the legs but often missed her out due to workload. At times my dad was duct taping her sodden dressings to her legs from them being days/weeks overdue from changing.

    If she lives with family we now know how to prepare the insulin and she injects herself. If she lives alone a nurse will come 3 times a day for her insulin prep and a set amount of time for the compression leg bandaging.


    If you need any info on diabetes management let me know. DH is very clued-up about it and reads, goes on any of the days/study groups etc around. He tailors his insulin to the carbs that he eats, and if he eats less carbs then he needs less insulin, otherwise the risk is that he goes 'hypo'. It sounds to me as if, when your mum had not eaten for a very long time, she needed not insulin but glucose. Most paramedics can do a finger-stab blood test (what DH does a few times a day) and can give glucose if the blood-sugar is too low. Half a can of coke does the same thing.


    I assume your mum is on Attendance Allowance, which will all help with costs. If she's not, she should be.
    [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.
  • SpideressUK
    SpideressUK Posts: 196
    Photogenic First Post First Anniversary Combo Breaker
    Forumite
    If you need any info on diabetes management let me know. DH is very clued-up about it and reads, goes on any of the days/study groups etc around. He tailors his insulin to the carbs that he eats, and if he eats less carbs then he needs less insulin, otherwise the risk is that he goes 'hypo'. It sounds to me as if, when your mum had not eaten for a very long time, she needed not insulin but glucose. Most paramedics can do a finger-stab blood test (what DH does a few times a day) and can give glucose if the blood-sugar is too low. Half a can of coke does the same thing.


    I assume your mum is on Attendance Allowance, which will all help with costs. If she's not, she should be.

    Yes she is on AA its part of the overall £800 pm ish she gets from pension and the like but my brother just takes all of that for her cost of living care so it's not totslly free to go to increased rent on bigger property hence why he needs to shed the £500 pm payment on his debt so the extra rent money is there.

    It sounds like the £3k she is allowed to gift and not counted for IHT purposes (which we don't have anyway since the estate is under £325k still comes under potential DOA too.

    Solicitor said 2020 care fee system might be changing so keep an eye on it

    Ty for diabetes info help offer.
    After 30 years of mortgage paying we are blessed to say we are MORTGAGE FREE 11 years early :)
  • Cheeky_Monkey
    Cheeky_Monkey Posts: 2,072 Forumite
    How many bedrooms does your mum's house have?

    Could your brother and his family go and live with her in her house?
This discussion has been closed.
Meet your Ambassadors

Categories

  • All Categories
  • 342.5K Banking & Borrowing
  • 249.9K Reduce Debt & Boost Income
  • 449.4K Spending & Discounts
  • 234.6K Work, Benefits & Business
  • 607.1K Mortgages, Homes & Bills
  • 172.8K Life & Family
  • 247.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.8K Discuss & Feedback
  • 15.1K Coronavirus Support Boards