Care home funding
Discussion
Olivera said:
FMOB said:
This is exactly what they do, they are not to be trusted. They are just asset strippers putting you on an emotional guilt trip so you sign up, it is nothing short of financial fraud and they have basically stolen any inheritance you might have received.
Why should the state pay for an elderly person's care in order to preserve an inheritance for someone else?Edited by Bonefish Blues on Sunday 12th May 15:44
Bonefish Blues said:
+1 My wife's experience to a tee. It's simply wrong that they so obviously try to deny rights & funding.
In our case this was Croydon Council, who funnily enough have since been declared bankrupt and are financially incompetent, it took over a year to be sent a £16k invoice for my late Mother's care. We had to push and push to get anywhere and it was only the threat of finalising her estate without it i.e. they wouldn't get paid that got them to send it.Our experience of the system has shown it is horrific in the worst of circumstances.
We went through this and it was obvious where it was heading.
Before we got there we started visiting various care homes to look around and get a handle on standards costs etc.
We also made enquiries as to what help was available to stay at home but that for us was not an option
We spoke with Age Concern and they were very good at making sure all the finances were correct but for us it was all self funded, not that I minded however my sister was another story.
So we the time came we knew where he was going what it would cost etc.
He ended up in a great well kept home, not a chain which was well staffed.
It is not an easy time coming for you but do your research and it is less stressful at the time.
Before we got there we started visiting various care homes to look around and get a handle on standards costs etc.
We also made enquiries as to what help was available to stay at home but that for us was not an option
We spoke with Age Concern and they were very good at making sure all the finances were correct but for us it was all self funded, not that I minded however my sister was another story.
So we the time came we knew where he was going what it would cost etc.
He ended up in a great well kept home, not a chain which was well staffed.
It is not an easy time coming for you but do your research and it is less stressful at the time.
Killboy said:
Olivera said:
Why should the state pay for an elderly person's care in order to preserve an inheritance for someone else?
As stated we're going through this right now, and I agree with this.If the person paying for care passes away before their money runs out it is a big win for the Council having effectively defrauded a person in care out of their legally entitled care benefit.
pidsy said:
Having just gone through all this with mum - I really wish we’d taken more advice.
Mum has been in a home since last August - placed there for 4 weeks by the LA for assessment after a number of hospital stays.
She’s 74 and her body has physically given up. She’s only 38kg and cannot support her own weight or do anything for herself anymore. Her mind is absolutely fine (which makes it harder for her).
LA put her into a BUPA home and covered the assessment period. She grew to like it so we used her savings to fund her through to Christmas.
It took till January for the LA to send out someone to discuss finances and they were unkind, uncaring and had pretty much no advice to give other than selling mums house to fund ongoing care.
We completed this week which has meant my sister and me paying the home ourselves since January- it’s a little bit over £6k per month.
Mums change in circumstances happened relatively quickly so we never had the opportunity to put the house in trust - pretty much half a million which will get eaten away by the LA in a home that that put her in but have only recently admitted they would never fund themselves.
Mum is incredibly upset about what’s happening and more so that she worked so hard for so long to give me and my sister something that will no longer happen.
The LA have pretty much said that now the house is sold, they need every bit of expenditure from her account to be noted and kept for when the money runs out (around 5 years) and that’s it. No further advice.
We are at a bit of a loss about what is allowed beyond reasonable living costs and don’t know who to turn to.
Financial POA is being processed but is taking a long time.
I’m now aware that there were other options but none of these were presented by the LA at any time.
It’s not too late… you can still go through the CHC.Mum has been in a home since last August - placed there for 4 weeks by the LA for assessment after a number of hospital stays.
She’s 74 and her body has physically given up. She’s only 38kg and cannot support her own weight or do anything for herself anymore. Her mind is absolutely fine (which makes it harder for her).
LA put her into a BUPA home and covered the assessment period. She grew to like it so we used her savings to fund her through to Christmas.
It took till January for the LA to send out someone to discuss finances and they were unkind, uncaring and had pretty much no advice to give other than selling mums house to fund ongoing care.
We completed this week which has meant my sister and me paying the home ourselves since January- it’s a little bit over £6k per month.
Mums change in circumstances happened relatively quickly so we never had the opportunity to put the house in trust - pretty much half a million which will get eaten away by the LA in a home that that put her in but have only recently admitted they would never fund themselves.
Mum is incredibly upset about what’s happening and more so that she worked so hard for so long to give me and my sister something that will no longer happen.
The LA have pretty much said that now the house is sold, they need every bit of expenditure from her account to be noted and kept for when the money runs out (around 5 years) and that’s it. No further advice.
We are at a bit of a loss about what is allowed beyond reasonable living costs and don’t know who to turn to.
Financial POA is being processed but is taking a long time.
I’m now aware that there were other options but none of these were presented by the LA at any time.
It’s bordering on criminal that they don’t follow the correct process.
NHS people won’t speak up as it’s their budget and LA won’t bother once they think you’ve got money.
FMOB said:
Killboy said:
Olivera said:
Why should the state pay for an elderly person's care in order to preserve an inheritance for someone else?
As stated we're going through this right now, and I agree with this.If the person paying for care passes away before their money runs out it is a big win for the Council having effectively defrauded a person in care out of their legally entitled care benefit.
I’m not talking about general care home stuff. The whole point of CHC is to cover medical care.
As above, it’s the general lack of honesty around the process. They all know it exists but will basically deny all knowledge until you point out their own rules.
Paulsd said:
FMOB said:
Killboy said:
Olivera said:
Why should the state pay for an elderly person's care in order to preserve an inheritance for someone else?
As stated we're going through this right now, and I agree with this.If the person paying for care passes away before their money runs out it is a big win for the Council having effectively defrauded a person in care out of their legally entitled care benefit.
I’m not talking about general care home stuff. The whole point of CHC is to cover medical care.
As above, it’s the general lack of honesty around the process. They all know it exists but will basically deny all knowledge until you point out their own rules.
FMOB said:
It is the lack of honesty in the process, the Council will go straight for a person's private resources first and ignore any existing care entitlement they may already have. It is a deliberate action to avoid them paying anything.
If the person paying for care passes away before their money runs out it is a big win for the Council having effectively defrauded a person in care out of their legally entitled care benefit.
Mmmm, maybe we've been fortunate but it's not been our experience at all. What's interesting is she's about to inherit a small sum that will complicate matters somewhat, so let's stop how fraudulent the council will try be.If the person paying for care passes away before their money runs out it is a big win for the Council having effectively defrauded a person in care out of their legally entitled care benefit.
Whatever happens though, I don't expect the rest of the tax payers to pony up to save my inheritance.
lord trumpton said:
Once CHC is awarded, apparently they review the care need and can take it away can't they?
After 3 months I think that they review?
Yes, there a review at 3 months and then the gap is much longer before a further review. Not sure what it is as we unfortunately never got to that point.After 3 months I think that they review?
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