When the Care Home Cash Pot Runs Out
Discussion
A friend of a friend is dying of cancer. She's elderly and it's no way to be seeing out the closing moments of her life.
She lives alone (not much contact from her kids) and has decided that she needs to be looked after in a care home. She has started the process and will move in the coming weeks. The care home is £2,500.00 a week and she has estimated that she has enough money to last about two years in there.
What happens if she runs out of money and is still good for another year or two?
She lives alone (not much contact from her kids) and has decided that she needs to be looked after in a care home. She has started the process and will move in the coming weeks. The care home is £2,500.00 a week and she has estimated that she has enough money to last about two years in there.
What happens if she runs out of money and is still good for another year or two?
Assuming no self-funds are available, the current care home will effectively evict her and the council will be required to find her alternative accomodation/home-facilities. That doesnt necessarily mean she will remain in-area and could be transferred elsewhere in England (its not ideal, its not common, but it does happen).
However, just beacuse she has decided she needs to live in a home doesnt mean the council will decide the same ...
She would be better off seeking a home that is more within her means and hedge her bets of living longer IMO
However, just beacuse she has decided she needs to live in a home doesnt mean the council will decide the same ...
She would be better off seeking a home that is more within her means and hedge her bets of living longer IMO
Alorotom said:
Assuming no self-funds are available, the current care home will effectively evict her and the council will be required to find her alternative accomodation/home-facilities. That doesnt necessarily mean she will remain in-area and could be transferred elsewhere in England (its not ideal, its not common, but it does happen).
However, just beacuse she has decided she needs to live in a home doesnt mean the council will decide the same ...
She would be better off seeking a home that is more within her means and hedge her bets of living longer IMO
Assuming England, thats not true.However, just beacuse she has decided she needs to live in a home doesnt mean the council will decide the same ...
She would be better off seeking a home that is more within her means and hedge her bets of living longer IMO
The council pick up the tab, they take all the pension money, leaving just £10 a week for essentials. It's what happened to my MIL
Glassman said:
A friend of a friend is dying of cancer. She's elderly and it's no way to be seeing out the closing moments of her life.
She lives alone (not much contact from her kids) and has decided that she needs to be looked after in a care home. She has started the process and will move in the coming weeks. The care home is £2,500.00 a week and she has estimated that she has enough money to last about two years in there.
What happens if she runs out of money and is still good for another year or two?
"Usually " the LA will pick up the tab and continue to allow her to live there unless the cost is deemed " excessive " which I imagine at £130k a year they might well do ?She lives alone (not much contact from her kids) and has decided that she needs to be looked after in a care home. She has started the process and will move in the coming weeks. The care home is £2,500.00 a week and she has estimated that she has enough money to last about two years in there.
What happens if she runs out of money and is still good for another year or two?
It's' when the person wants to move out of area in the first place that issues can then arise should the self funding cease although this is more normally because of State funding differential's from the respective LA's.
Average maximum time in a care home is usually "only " around 2 years.
The other alternative is to purchase an immediate needs annuity but unfortunately in her case that isn't now an option and is very expensive ordinarily anyway.
Asking the question of the chosen care home is another thought.
She will be able to offset a little of the outlay by looking into claiming the various allowances available to her starting with Funded Nursing Care, Attendance Allowance and Continuing Healthcare which is the big payer but also the hardest to progress depending on the local council.
alscar said:
"Usually " the LA will pick up the tab and continue to allow her to live there unless the cost is deemed " excessive " which I imagine at £130k a year they might well do ?
It's' when the person wants to move out of area in the first place that issues can then arise should the self funding cease although this is more normally because of State funding differential's from the respective LA's.
Average maximum time in a care home is usually "only " around 2 years.
The other alternative is to purchase an immediate needs annuity but unfortunately in her case that isn't now an option and is very expensive ordinarily anyway.
Asking the question of the chosen care home is another thought.
Given the place she is going to is, a) local to her, and b) Kosher, I wonder if religious dispensation would apply. It's' when the person wants to move out of area in the first place that issues can then arise should the self funding cease although this is more normally because of State funding differential's from the respective LA's.
Average maximum time in a care home is usually "only " around 2 years.
The other alternative is to purchase an immediate needs annuity but unfortunately in her case that isn't now an option and is very expensive ordinarily anyway.
Asking the question of the chosen care home is another thought.
Byker28i said:
Assuming England, thats not true.
The council pick up the tab, they take all the pension money, leaving just £10 a week for essentials. It's what happened to my MIL
Then she is very lucky. The council pick up the tab, they take all the pension money, leaving just £10 a week for essentials. It's what happened to my MIL
It absolutely does happen and isnt uncommon - especially in the current heavily financially restrictive climate that health and social care are operating in.
Warhavernet said:
With UK averages of £1200-£1300 PW for residential care and £1400-£1500 PW for nursing care, an outfit charging £2500 PW must include a lot of luxuries and extras.
There is a residential home in Keighley with visiting medical staff. They were surprised to find that every male resident needed treatment for a STD. Speaking of extras, a cleaner needed to supplement her income.
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