Fed up of reading threads asking how they can get out of paying care home fees.

I think it you can pay for your carehome you should. I would however like more the the money to go to the carers rather than the owners ( never met a broke owner of a care franchise)

And what do you do with those who are unsafe to be discharged from hospital, who have neither paid the PAYE insurance or the means to self fund?

What would be the difference between this PAYE insurance and NI?

It just sounds like another complex tax system.

I think if people need care they should get it, as part of Social Care or NHS.
But people should have a choice to go private. Bit like schools if your happy with the local care home great if you want an Eton level of care get your purse out.

I’ve gone on MN about this before. I think it is very unfair that the state will take you down to £23,000 before helping. As others have said, a modest home and assets won’t last long. It would be fairer to either have the insurance system or take a percentage of home/assets and then the state kicks in. Wonder what happened to the £86,000 max ‘oven ready’ policy…..

I think one of the issues that people think is unfair is that in some homes when you pay for your own care you are usually paying over the odds and are subsidising others who are paid for by the state as the cap on what they will pay is lower than it actually costs. For instance in many homes if you run out of money you can stay but the costs are more or less the same (although you might change to a less palatial room) despite the fees paid by the government being much lower. This shortfall is made up by those who are paying their own fees.

100% agree, and I speak as one of the despised Baby Boomers who did have the sheer good luck to buy a house in London before it became like one of Willie Wonka's golden tickets!

I absolutely agree! But my point is that family members complaining that their parents home/money goes on paying for that care are absurdly handwaving away this issue. Good care costs money. In previous generations the labour of younger members of the family was sequestered to maintain elders whether there was family property or not. The state would step in and penalize children for not caring for elders (in good standing) and would penalize vagrants snd the poor with the workhouse. The current laws regarding inheritance arose out of larger political and cultural decisions about how individuals could amass and hold wealth. Ordinary people are able to amass and hold wealth for their lifetime and are expected to be self supporting to the best of their ability. Its not some kind of unfair cruelty that people should be expected to plan for their own eldercare needs.

Ah I see, regional variations. Yes, I live in a more expensive area.

There are misconceptions about the difference in quality of care between council run care homes and privately run care homes. I think some people would be shocked to find out it’s not as it seems.

There’s very little choice.
Places are scarce
99% of homes are not all self funders, chandeliers and a la carte

People take what ever is available.

Some areas pay so much more than others.
Partly down to the huge increase in adult social care
ie all people over 18 that need care.

Everyone should pay or none at all but certainly no ones savings should be used to pay for others who don’t pay.
Or perhaps the insurance scheme would be better which I noted above.

Not quite true. The person being funded will have no choice where s/he goes. The person doing the funding (as you would have it) has choice. My MiL and parents had choice and we inherited less. I’m still happy with that.

I used to work in care homes, £1500 a week back about 6 years ago, I dread to think how much it is now !!

I'm not sure how.

Apart from there is not enough separation between bands.

Well care workers wages should go up then So they can afford to pay for their own care later on

Agree
I think that’s why we need an insurance system akin to the one in Guernsey.
My aunt had Alzheimer’s for 12 years. She was in a home and the Insurance company paid all top ups over her state and workplace pension.
If she’d only had a state pension they would still cover the lot as that’s the guarantee.

If everyone and I do mean everyone paid into a similar system all their lives then everyone!! Is paying for their own care.
That’s much farer than some, as always, having to foot the bill for themselves and others. If it costs everyone should pay or no one.

A persons Savings are not the property of others to take or have decisions over.

I will ask again So should all care workers quit now and get better paid jobs to ensure they can pay for their own care as ppl resent low paid workers so much

You want to see what happens when essential workers down tools? Cast your eyes over to Birmingham!!

And we’ve already paid for social care via Council Tax.

The very same people are probably furious about inheritance tax (that 95% won't even have to pay) as well.
The bottom line is that they want their parents money.

Because it comes under the NHS and technically we've paid for it already through general taxation.

This

We certainly do not

I agree

Well apart from the most vulnerable we do don't we?

Aside from the banding of course which does need looking at.

Why do i pay more for that just because my house is a bit bigger than someone in a two bed house? We’re using the same street lights and rubbish collectors and road sweepers.