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

But care work itself is shit pay Therefore when they get old care workers will be the person in the care home being "subsidized" for want of a better word.
Would you rather they all quit and went into another job. Because its either that or paying for the care workers themselves when they need a care home What would you do if they all quit tommorrow and went into better paid jobs so they could afford to pay for it. These essential workers who people banged pans for during Covid
Its not just home owners who blood sweat and tears their job.

Ha Ha. I wonder how many statements by a council leader stand scrutiny.

The last time I looked, LA commissioned places covered their direct costs and made a contribution to overheads.

Private clients higher fees will make more profit for the care home but that need not equate to a subsidy.

Do you think her daughter can’t see her mother’s suffering? It’s not as easy to force care on people as it looks to be from the outside with half the picture.

We’ve recently gone through this with my husband’s grandparents - his granny has dementia and won’t even entertain any professional care, even though she needs it, and they keep assessing her capacity in the morning when she’s at her most lucid so she gets to decide.

If she’d accept help, we’d rather she spent every penny so she had the best quality of life possible in her final years. Inheritance is the last thing on most people’s mind when someone they love is suffering because their needs aren’t met.

isn't it - person B saves by buying a house and has the benefit of living in that house for their life. They have small probability (2.5% of the elderly are in a care home at any one time though I'm not sure what the lifetime probability of requiring a care home place) that they have to pay for their own care fees and do NOT subsidise person A's care.

Yes, I’m pretty sure. The Leader of our local Council told us this himself and he should know!

If the husband is still living at home the house is disregarded in any calculations

Care homes are a money making racket imo.
The workers are paid a pittance and the owners are making money hand over fist. Care homes should all be not for profit businesses.
Look at all the tax deductibles.

That's exactly what l think. Tone deaf, entitled and plain obnoxious. Totally sick of both topics and l have zero sympathy

It sort of makes sense to be person A then!

At least they had more fun!

I would have found it acceptable to spend all your savings on care if our state did not pay for foreigners, both in the form of foreign aid and at home. I

About 20% of deaths for those aged over 65 take place in a care home. The average duration of care home residency is 13 months but most are a lot less.

Meanwhile only 4% of estates pay inheritance tax. That's a ridiculously low percentage.

The number of estates that are reduced from a significant inheritance to a pittance due to all the money being spent on care is very low, but it does happen. No one knows who it will happen to, so the right thing to do is to spread the risk evenly among those who are at risk, so that everyone loses a bit, rather than a few losing everything.

My proposal is that every individual who reaches the age of 65 with their name on the deeds of any real-estate property, or in possession of other capital assets worth more than £50k, should be required to assign a 30% time-delayed share of those assets to HMRC, retaining a lifetime interest to themselves (ie they don't have to sell their home or hand anything over, but that fraction of the asset is eventually no longer theirs, though they can still enjoy any return on the investment etc during their lifetime). With that in place, all elderly people who end up needing significant care could have it freely, because everyone with assets is sharing the cost.

When the person eventually dies, if the assets are sold then the Government gets its share then, or the inheritors could have an option to enter a shared-ownership agreement and paying rent on the portion that the Government now owns.

Perhaps people like you and the poster you quoted will find that there won't be state provision for you in a few decades or whenever you might need it. People like you, who escalate the demise of the UK with such selfish and greedy behaviour may be in for a shock when you need support.

Confused about this as some posters have said councils will assess you going back years (which is what I always understood) and other posters have said their property is safe in trust and can’t be touched?

In my case, I absolutely think I could serve my children better by dying and leaving them an inheritance than by waiting an extra couple of months to take action, leaving it too late and hanging around in a care home for years making everyone feel guilty and uncomfortable on the rare occasions they came to visit and I didn't know who they were.

No idea of why the need for caps but they are in a top dementia care home at £2k per week. Yes we could go 24/7 at home but I am not sure the assisted living apartment their partner currently lives in could cope with them wandering and causing havoc on a daily basis. So its not an option.

Being funded by the LA is them getting it at a much reduced cost. They may fund with their pension but its not going to touch the £2k a week.

That's fair enough as you need the help, but others, home owners who say, what's the average hone worth these days ? 400k? Think they shouldn't use their funds to pay for their care

Me too. Mine is in trust already as was my mother's.

I also plan on spending as much of my money as possible in the coming years. There maybe won't be so much to leave to my kids but I'll be paying for them to have nice experiences.

Are people who state that private clients are subsidising LA funded care certain it's a subsidy? Have they analysed care home accounts? Do LA payments not cover the direct costs, nor make any contribution to overheads?

Because that information is incorrect

Councils can and do assess you as still having assets , a trust won't protect you

It’s the work all your lives v the take all the handouts argument. Work and pay, or don’t and be paid for

Is very hard to take

And that's the main problem. The government doesn't allow you to order that your life should be ended at the point you no longer have capacity to make decisions, and then insists you pay to be kept alive and cared for, something that society is forcing on you unwillingly.

I think that if you can guarantee the best possible care, then people would be happy to sell the family home and pay for aged parents to live out their final years in a lovely environment.

However, many care homes are not lovely. It is expensive to provide general care and comple medical care to an old person. And you want wipe clean surfaces and easy to maintain spaces which sort of contradicts a place full of lovely squashy sofas with doilies and floral arrangements. Paying a fortune doesn't always get you a better home, so some folk think may as well blow it all/hide it all now as you end up in the same shitheap anyway.

I know one old lady who paid a fortune to a care home that was worse than the dank and depressing hospital ward she had been stuck in. The home stank of urine, the staff were stressed and over worked and residents visibly upset by where they lived. And it was so expensive.

My parents have said they would rather be put in a bin, head for Dignitas or waste their cash now and stay in a council run and funded heap of a home than pay an extortionate amount of money to stay in that same heap of a home just with a nicer blanket on the bed.

This just not true! The 7 year rule is only for inheritance tax. As far as funding for care fees is concerned, the LA can dig around in your financesas much as they like.

There won't be a lot of choice if DH and I need care. We have a one bed flat with a very short leases that we can't afford to extend. There'll be sod all for our care and not a lot we can do about it.

You don't seem to understand what extortion means.
If you don't want to spend money on care home fees, then don't go into the care home. Otherwise, pay for the jolly expensive service that you are receiving.