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Heartbroken that I'm being forced to sell mum's house, she worked hard for it and paid her national insurance

(1000 Posts)
Jkoakham Wed 25-Jul-18 09:28:52

And now her savings are running out I will need to sell her house to carry on funding it.

It all seems to very unfair, her house was supposed to be passed to me but instead it's affectively passed to government and private companies.

I thought the dimentia tax had been can cancelled?

tinstar Wed 10-Apr-19 12:10:25


tinstar Wed 10-Apr-19 12:10:10


tinstar Wed 10-Apr-19 12:09:46


polarpig Wed 10-Apr-19 12:09:44

YANBU if you are upset because it is your childhood home that is being sold and so you are upset for sentimental reasons but if it's the £££ then YABU. My childhood home was sold long ago and it did make me sad at the time as I'd have loved to go back and live there with my DCs but it's the way life is unfortunately, few parents stay in the home they brought their children up in and less will in the future.

IwantedtobeEmmaPeel Wed 10-Apr-19 12:03:45


Sooverthemill Wed 10-Apr-19 11:22:18

NI contributions are a contribution towards the cost of the state providing welfare benefits. We pay for the NHS through taxes. The cost of funding care in NH and RCH is complicated but at present the Government expects people to pay towards these costs. If a resident leaves their own home empty then the value of that is taken into account. It doesn't bother me. Someone has to pay for it.

Btw from .gov website

What National Insurance is for

National Insurance contributions count towards the benefits and pensions in the table.

BenefitClass 1: employeesClass 2: self-employedClass 3: voluntary contributions
Basic State PensionYesYesYes
Additional State PensionYesNoNo
New State PensionYesYesYes
Contribution-based Jobseeker’s AllowanceYesNoNo
Contribution-based Employment and Support AllowanceYesYesNo
Maternity AllowanceYesYesNo
Bereavement Support PaymentYesYesNo
Class 4 contributions paid by self-employed people with a profit over £8,632 do not usually count towards state benefits.

UniversalAunt Wed 10-Apr-19 11:20:01

However zombie this thread may be, it’s still been an enlightening read.
This is a relevant topic & set of life circumstances that many MNers are dealing with.

Alas, not funny, but possibly one for MN Classic due to its relevance?

IvanaPee Wed 10-Apr-19 11:19:24

If I could be arsed I’d link the Cranberries song. Great song.

viques Wed 10-Apr-19 11:17:30

Nearly there.

If I had nothing else to do I could play zombie thread bingo.

IvanaPee Wed 10-Apr-19 11:14:38


brodybear Wed 10-Apr-19 11:13:41

At least the thread will be full soon.

Ah, so it will grin
+1 post

brodybear Wed 10-Apr-19 11:12:59


tinstar Wed 10-Apr-19 11:12:41

Oh well, I tried. At least the thread will be full soon.

lily2403 Wed 10-Apr-19 11:10:47

I know it feels unfair especially when people who never work and don't own property get the same care funded for them, but there is not much you can do about it

Purpletigers Wed 10-Apr-19 11:05:50

Her NI contributions won’t pay for her care in a nursing home . It will have paid for her care throughout the years including giving birth and the care if any children she had until they contributed themselves . In the past when there were fewer care homes , the children looked after their parents . Is this an option for you ?

downcasteyes Wed 10-Apr-19 11:04:41

There IS an issue of fairness here, and it's to do with the uneven spread of illness.

It's not fair that one family should have to pay massive amounts in bills because someone has dementia, while another doesn't because of a heart attack. The way in which death arrives should not determine the financial status of a family. It should not make hundreds of thousands of pounds worth of difference.

Of course, care costs money and needs to be paid for. I propose that EVERYONE should pay a large inheritance tax to make the system fairer, then care can come out of a collective pot.

tinstar Wed 10-Apr-19 11:02:12


letsgohooray Wed 10-Apr-19 10:58:53

OP, I fear you really have no idea how much health care costs. You want to believe that she contributed far more than she has used of the NHS. You are evidence that you are wrong. She had children. That will have cost the NHS vastly more than you seem to realise. Has she never been to the GP? Never had any hospital consultations at all? What about her children? Life expectancy is decades longer than it used to be. The fact is, SHE HAS NOT contributed anywhere near enough to fund 10, 20 years of care homes. We pay for ourselves all our lives, why do you suddenly think that just becasue we are old, the state should finance us. You really are sounding naive and a bit ignorant. If the state paid for everyone's care home for as long as they live, tax would be so ridiculously high that your mother wouldn't have had the means to buy her house in the first place.

AlexaAmbidextra Wed 10-Apr-19 10:39:00

You’re on a loser on here with this argument OP. It’s a difficult one to defend but I understand your feelings. What I would say is that if your Mum hadn’t bothered to provide a home for herself earlier in her life and spent all her money as she earned it on living the high life, the state would now be paying all her care costs. And that isn’t fair.

SkintAsASkintThing Wed 10-Apr-19 10:26:24

If you want full run of the orchard then have her live with you.

Some people end up living an extra 20 or so years in nursing just isn't sustainable for taxpayers to fund millions of service users.

There is a solution, but sadly you can't have your cake and eat it........I actually think we're facing a ticking time bomb regarding elderly care as it's so hard to get on the property ladder now. Whereas for the current generation of older people it was the norm.

Inliverpool1 Wed 10-Apr-19 10:13:01

Tbh this why we need the option of topping ourselves at 70. No fucking way is my house being sold to fund me being left to rot in a room pissing myself

Oblomov19 Wed 10-Apr-19 10:10:13

I see this as a problem to average workers, who pay off their mortgage, then find there's not enough house to fund care.

Sometimes I wonder why I'm bothering to save? hmm

Tomtontom Wed 10-Apr-19 10:08:32

Zombie thread rehashed by someone advertising.

Eliza9919 Wed 10-Apr-19 10:07:39

I read yesterday the current thinking is to charge each of us £30k on retirement to help with any care fees and out it into a central fund. People will be forced to downsize to get the money.

What about people that haven't bought or made any provisions themselves?

So everyone else that has managed to buy must subsidise them?

HBStowe Wed 10-Apr-19 09:57:36

Is a care home strictly health care? I don’t think so. Health issues may contribute so someone needing to live in a care home, but that doesn’t mean it’s purely a healthcare issue. Your mum needs that money now to ensure her safety and comfort. You can only inherit what she doesn’t need in life.

There’s only so much money for all the needs the government has to meet. It simply can’t be a priority to protect your inheritance.

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