Confused.... the definitive if anyone knows please....
Discussion
Could anyone let me have a quickie....
I shall rephrase that...
Before I go to see a solicitor and look like a numpty (read: give them lots of my hard earned cash whilst I am trying to understand their legalspeak).. can anyone give me the definitive in the law if say for example; your mum and dad own their own home. Dad is on full package of care following a stroke and mum is retired so only has pension. Mum was rushed into hospital a couple of weeks ago and is not too healthy.
If blah blah were to happen to mum, is it right that the government will use the only asset dad has (house) to pay for his continuing care? And if this is correct, would my buying their house from them ensure that this wont happen - say for a nominal price of £1
?
I have both down with me on holiday at the moment and; having discovered there are no reciprocal arrangements in care between authorites.. for 8 days it is costing me £800 which, I do not mind at all - it is their only respite and I get spoilt rotten
But I will be buggered if everything they have worked for (and it is not much but it is theirs) is taken from them should the awful happen.
Many thanks in advance...
I shall rephrase that...Before I go to see a solicitor and look like a numpty (read: give them lots of my hard earned cash whilst I am trying to understand their legalspeak).. can anyone give me the definitive in the law if say for example; your mum and dad own their own home. Dad is on full package of care following a stroke and mum is retired so only has pension. Mum was rushed into hospital a couple of weeks ago and is not too healthy.
If blah blah were to happen to mum, is it right that the government will use the only asset dad has (house) to pay for his continuing care? And if this is correct, would my buying their house from them ensure that this wont happen - say for a nominal price of £1
?I have both down with me on holiday at the moment and; having discovered there are no reciprocal arrangements in care between authorites.. for 8 days it is costing me £800 which, I do not mind at all - it is their only respite and I get spoilt rotten
But I will be buggered if everything they have worked for (and it is not much but it is theirs) is taken from them should the awful happen.
Many thanks in advance...
Not a solicitor, but I think you're right in your assumption that the gubbment will use your dad's house to pay for residential care, as long as that care is "socially" occasioned. If "medically" occasioned, ie by a stroke, then the PCT has to stump up. Arguing which of these it is usually causes problems, as you can guess...
AFAIK there's no way you can do the shuffle you suggest to stop the theiving gits - any transfer of assets in the previous 7 years is normally taken into account.
Good luck - hope it doesn't come to that.
eta Citizens Advice Bureau would be my first stop for some info on this one - they're free.
AFAIK there's no way you can do the shuffle you suggest to stop the theiving gits - any transfer of assets in the previous 7 years is normally taken into account.
Good luck - hope it doesn't come to that.
eta Citizens Advice Bureau would be my first stop for some info on this one - they're free.
Edited by N Dentressangle on Friday 15th August 11:15
N Dentressangle said:
Not a solicitor, but I think you're right in your assumption that the gubbment will use your dad's house to pay for residential care, as long as that care is "socially" occasioned. If "medically" occasioned, ie by a stroke, then the PCT has to stump up. Arguing which of these it is usually causes problems, as you can guess...
AFAIK there's no way you can do the shuffle you suggest to stop the theiving gits - any transfer of assets in the previous 7 years is normally taken into account.
Good luck - hope it doesn't come to that.
yeah, also you buying the house will look like attempted 'fraud' to avoid paying stamp duty..AFAIK there's no way you can do the shuffle you suggest to stop the theiving gits - any transfer of assets in the previous 7 years is normally taken into account.
Good luck - hope it doesn't come to that.
And i am sure they don't use this as a deciding factor in who gets decent care and who doesn't.
I am going to make sure i sell my house before i get ill and give the money to the charity of my choice seeign as i have been paying for healthcare my whole life and not using it!
ETA: this law does not apply in scotland actually, i think i will retire up there..
I am going to make sure i sell my house before i get ill and give the money to the charity of my choice seeign as i have been paying for healthcare my whole life and not using it!
ETA: this law does not apply in scotland actually, i think i will retire up there..
Edited by Hedders on Friday 15th August 11:19
Hedders said:
And i am sure they don't use this as a deciding factor in who gets decent care and who doesn't.
I am going to make sure i sell my house before i get ill and give the money to the charity of my choice seeign as i have been paying for healthcare my whole life and not using it!
So you refuse to pay for your long-term accommodation but expect other taxpayers to pick up the tab?I am going to make sure i sell my house before i get ill and give the money to the charity of my choice seeign as i have been paying for healthcare my whole life and not using it!
Edited by Hedders on Friday 15th August 11:19
I'm far from convinced that it is appropriate for the state to provide long term accommodation for the elderly. There is a difference between being old and frail and having an illness which the state will treat.
With a rapidly aging population I doubt the state could afford long term residential care for everyone who will require it.
Edited by Fittster on Friday 15th August 11:25
Hedders said:
EH??
care homes were always funded by your NH contributions!
I don't believe that is true.care homes were always funded by your NH contributions!
http://www.helptheaged.org.uk/en-gb/AdviceSupport/...
http://www.helptheaged.org.uk/en-gb/AdviceSupport/...
Edited by Fittster on Friday 15th August 11:31
Hedders said:
My grandma never owned a house, her hubby was dead and her kids had no money, she was in a care home for about 10 years!
Maybe this has now changed and they just leave you to rot if you don't own a house!
Just like any other benefit if you have more than (IIRC) £16k in assets then you're not entitled to state help.Maybe this has now changed and they just leave you to rot if you don't own a house!
Thanks guys.. it is a bit of a minefield and had my mum not been rushed into hospital, tbh I would not have been having these thoughts/concerns...
Had forgotten about stamp duty but that will be paid for on top of the £1. It is just so annoying when two people work all their lives and have their only asset taken from them to provide for one or the others care.
The money from the sale of the house would be to provide holidays and niceties for the surviving parent... although I haven't told them that.. they think they will be leaving it to myself and my brother
ETA: On a lighter note... have just quickly serviced my Dad's wheelchair (ok oiled his wheels) and am taking him out shortly to do a bit of drifting... with me hanging on desparately on foot
Had forgotten about stamp duty but that will be paid for on top of the £1. It is just so annoying when two people work all their lives and have their only asset taken from them to provide for one or the others care.
The money from the sale of the house would be to provide holidays and niceties for the surviving parent... although I haven't told them that.. they think they will be leaving it to myself and my brother
ETA: On a lighter note... have just quickly serviced my Dad's wheelchair (ok oiled his wheels) and am taking him out shortly to do a bit of drifting... with me hanging on desparately on foot
Mr POD said:
TALK TO THE STROKE ASSOCIATION. They will FIGHT for the rights of both your parents.
(Wifey was a family liason officer, and spent all her days fighting local councils and NHS - before she got ME)
Many thanks. Will do.... hate talking about this but I have to be practical.(Wifey was a family liason officer, and spent all her days fighting local councils and NHS - before she got ME)
Cheers.
Fittster said:
The only way the state could pay would be to increase taxes.
Yup, that would be the only way.Or...
They could offer us the choice between ID cards and a surveillance based government or a decent healthcare system..
Or they could just stop spunking our money on quango's for their mates to 'work' in and John Lewis shopping sprees for their second homes.
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