Page 5 of 6 FirstFirst ... 3456 LastLast
Results 61 to 75 of 77
  1. #61
    Registered User
    Join Date
    Oct 2014
    Posts
    90
    Quote Originally Posted by Amber_31 View Post
    A PWD who is without 'social care' as they require would soon slip into needing 'medical care', if they develop dehydration, starvation, accidental injury or infection, perhaps the same day, so in my view the distinction is wrong!

    The system of having to self fund is discrimination against those with dementia. The welfare state with all its outlets provides several other non means tested 'social' benefits, such as universal education, state pension, legal aid for crown court litigation, and many more.

    If dementia didn't steal from a person of their ability to understand, to complain and be listened to, to make argument, to be taken seriously by others, and, render their carers exhausted and depressed, I'm sure the system wouldn't be quite so unfair against dementia sufferers.
    Well said!

  2. #62
    Registered User
    Join Date
    Feb 2014
    Location
    Radcliffe on Trent
    Posts
    2,285
    Quote Originally Posted by realist1234 View Post
    Can I assume he has applied for CHC and was rejected?
    You can.
    "Life is what happens to you while you're busy making other plans" -John Lennon ('Beautiful Boy')

  3. #63
    Registered User
    Join Date
    Oct 2014
    Posts
    90
    Quote Originally Posted by jennypie View Post
    Can anyone advise me if my husband were to go into care we jointly own a flat worth about 60,000 would half of that be used to pay for fees as it's owned jointly or all of it? This is rented out by the way so assuming it was the case would it have to be sold?


    Sent from my iPad using Talking Point
    As you are co-owner they cannot force you to sell it. The LA would though I think expect the half-share of the rental income that belongs to your husband to go towards his care fees.

  4. #64
    Registered User
    Join Date
    Oct 2014
    Posts
    90
    Quote Originally Posted by Pickles53 View Post
    You can.
    I dont know the personal details, but that sounds like another disgrace.

  5. #65
    Registered User
    Join Date
    Jun 2016
    Posts
    45
    The problem is nothing seems to be going on to address the sheer unfairness facing self funded dementia suffers - the worst being the fact that those self funded are made to pay considerably higher fees to subsidise LA places.

    The care costs cap may have helped some self funders in a different respect - but it's been shelved! Obviously the reason is lack of money, but with the recurrent use of the phrase 'care crisis' have we any faith that the care costs cap will come into force in 2020? Also the cap only helps those with high value homes; those with their own but modest home are not assisted with a cap of circa £117k.

  6. #66
    Registered User Pete R's Avatar
    Join Date
    Jul 2014
    Location
    Staffs
    Posts
    1,407
    Quote Originally Posted by jennypie View Post
    Can anyone advise me if my husband were to go into care we jointly own a flat worth about 60,000 would half of that be used to pay for fees as it's owned jointly or all of it? This is rented out by the way so assuming it was the case would it have to be sold?
    Quote Originally Posted by realist1234 View Post
    As you are co-owner they cannot force you to sell it. The LA would though I think expect the half-share of the rental income that belongs to your husband to go towards his care fees.
    The question was answered correctly by Saffie in post #26. £30,000 would be included in the husbands assets & therefore make him a self funder. If there are no other funds to pay for care then it may mean a sale of the flat.

    T&C's
    How others interpret my posts is entirely beyond my control, however non are meant as a personal slight.............................Unless of course expressly stated

  7. #67
    Registered User Pete R's Avatar
    Join Date
    Jul 2014
    Location
    Staffs
    Posts
    1,407
    Quote Originally Posted by Amber_31 View Post
    The care costs cap may have helped some self funders in a different respect - but it's been shelved! Obviously the reason is lack of money, but with the recurrent use of the phrase 'care crisis' have we any faith that the care costs cap will come into force in 2020? Also the cap only helps those with high value homes; those with their own but modest home are not assisted with a cap of circa £117k.
    I looked after my Mom in her home for 11 years before she went into a NH. Her home is a modest 2 bedroom town house worth around £200,000.

    If the cap had come in I could just about have been able to afford to remain in her home but will now be forced to sell.

    Although that is in itself good news as she continues to defy the rules and will probably outlive me.
    T&C's
    How others interpret my posts is entirely beyond my control, however non are meant as a personal slight.............................Unless of course expressly stated

  8. #68
    Registered User
    Join Date
    Dec 2011
    Location
    Essex
    Posts
    18
    I completely understand that my parents house is theirs and not my inheritance, but it's my mum I feel for. Dad has just gone into a nursing home with Alzheimer's and is self funding until his savings run out. This will only be in about 6 months. He didn't get CHC funding but did get the extra £150 for nursing care and the home he is in will lower the cost when his money runs out so we don't have to top up. They can't make mum sell the house, but if she does they will have his half. What upsets me is that both mum and dad are only 70 and once the council takes over funding they will takes dads pension leaving my mum with a pension of less than £300 a month to live on. Mum has savings and she will have to use them to live on. I feel angry that my mum stresses about how she will manage in the future when they have always been so careful with money.

  9. #69
    Registered User Pete R's Avatar
    Join Date
    Jul 2014
    Location
    Staffs
    Posts
    1,407
    Quote Originally Posted by 70smand View Post
    They can't make mum sell the house, but if she does they will have his half.
    As long as your Dad or his PoA agree then the Local Authority have the discretion to give your Mum all or part of his half to buy another property.
    Annexe E Just under Sec10
    https://www.gov.uk/government/public...uidance#AnnexE


    Quote Originally Posted by 70smand View Post
    ......once the council takes over funding they will takes dads pension leaving my mum with a pension of less than £300 a month to live on.
    Half of any private pension can go to your Mum. Your Dad will be able to keep £24.90 per week for "pocket money". This Personal expenses Allowance can be increased to help your Mum out.

    Annexe C Sec 47d....
    https://www.gov.uk/government/public...uidance#AnnexC
    T&C's
    How others interpret my posts is entirely beyond my control, however non are meant as a personal slight.............................Unless of course expressly stated

  10. #70
    Registered User
    Join Date
    Sep 2014
    Posts
    25

    Fair Care Home fees

    Hi, I haven't posted for a while, as Mum has been doing well, but from time to time I do worry what will happen when her money from the sale of her home runs out. She is a self funder and currently, the sale of her home subsides her care home fees by about 55% per year. That money will not last for ever.
    I agree with others who have posted in as much as it's Mum's money and it has to be used for her care. I do not need her inheritance, and I am just so pleased she is well looked after. So it's not the "inheritance" side I have an issue with. It is the fact that the self funders subsidise the LA to a huge degree. My mother gets the same care, the same food, the same size room as the lady in the room next to her. Difference is, that the lady in the room next to her is funded by the LA. You wouldn't book into a London hotel and be asked to pay more than someone in an identical room, with an identical view, and the same breakfast, would you? So there should be one price for all, dependent on the room, and if you can pay for it, you do, and if you can't the LA pays it. The cost therefore would be probably somewhere in the middle, ie less for Mum but higher for the LA. Just seems fairer.

  11. #71
    Registered User Jessbow's Avatar
    Join Date
    Mar 2013
    Location
    West Hertfordshire
    Posts
    1,953
    Quote Originally Posted by Roseylee View Post
    . My mother gets the same care, the same food, the same size room as the lady in the room next to her. Difference is, that the lady in the room next to her is funded by the LA. You wouldn't book into a London hotel and be asked to pay more than someone in an identical room, with an identical view, and the same breakfast, would you? So there should be one price for all, dependent on the room, and if you can pay for it, you do, and if you can't the LA pays it. The cost therefore would be probably somewhere in the middle, ie less for Mum but higher for the LA. Just seems fairer.
    You would probably get your rooms cheaper in your hotel if you block booked then for 365 days a year, and guaranteed you'd pay for them, regardless of them being occupied. The hotel guarantees its income so can afford to do it a bit cheaper. Its basically what the authorities do .They are onto a good thing, because its rare that a room is unoccupied
    Last edited by Jessbow; 10-03-2017 at 05:03 PM.

  12. #72
    Registered User
    Join Date
    Oct 2014
    Posts
    90
    Quote Originally Posted by Roseylee View Post
    Hi, I haven't posted for a while, as Mum has been doing well, but from time to time I do worry what will happen when her money from the sale of her home runs out. She is a self funder and currently, the sale of her home subsides her care home fees by about 55% per year. That money will not last for ever.
    I agree with others who have posted in as much as it's Mum's money and it has to be used for her care. I do not need her inheritance, and I am just so pleased she is well looked after. So it's not the "inheritance" side I have an issue with. It is the fact that the self funders subsidise the LA to a huge degree. My mother gets the same care, the same food, the same size room as the lady in the room next to her. Difference is, that the lady in the room next to her is funded by the LA. You wouldn't book into a London hotel and be asked to pay more than someone in an identical room, with an identical view, and the same breakfast, would you? So there should be one price for all, dependent on the room, and if you can pay for it, you do, and if you can't the LA pays it. The cost therefore would be probably somewhere in the middle, ie less for Mum but higher for the LA. Just seems fairer.
    When the elderly care sector is privatised, this is what happens.

  13. #73
    Registered User Saffie's Avatar
    Join Date
    Mar 2011
    Location
    Near Southampton
    Posts
    20,940
    Quote Originally Posted by Roseylee View Post
    Hi, I haven't posted for a while, as Mum has been doing well, but from time to time I do worry what will happen when her money from the sale of her home runs out. She is a self funder and currently, the sale of her home subsides her care home fees by about 55% per year. That money will not last for ever.
    I agree with others who have posted in as much as it's Mum's money and it has to be used for her care. I do not need her inheritance, and I am just so pleased she is well looked after. So it's not the "inheritance" side I have an issue with. It is the fact that the self funders subsidise the LA to a huge degree. My mother gets the same care, the same food, the same size room as the lady in the room next to her. Difference is, that the lady in the room next to her is funded by the LA. You wouldn't book into a London hotel and be asked to pay more than someone in an identical room, with an identical view, and the same breakfast, would you? So there should be one price for all, dependent on the room, and if you can pay for it, you do, and if you can't the LA pays it. The cost therefore would be probably somewhere in the middle, ie less for Mum but higher for the LA. Just seems fairer.
    I don't understand. If your mother is a self funder surely 100% of her fees are paid for by her.
    "Sometimes you will never know the value of something, until it becomes a memory.” Dr. Seuss

  14. #74
    Registered User Kevinl's Avatar
    Join Date
    Aug 2013
    Location
    Salford
    Posts
    3,073
    Quote Originally Posted by Saffie View Post
    I don't understand. If your mother is a self funder surely 100% of her fees are paid for by her.
    Presumably the other 45% comes from pensions and other income sources.
    K
    If you're going through hell, keep going

  15. #75
    Registered User Saffie's Avatar
    Join Date
    Mar 2011
    Location
    Near Southampton
    Posts
    20,940
    Oh I see. Thanks Kevin. I wondered where on earth the other 45% was coming from!
    "Sometimes you will never know the value of something, until it becomes a memory.” Dr. Seuss

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •