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AIBU?

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With dementia on the increase, AIBU to think that many overestimate the amount of inheritance they may receive?

344 replies

EndlessSeaViews · 24/04/2026 09:50

I can't help but wonder if people (who currently don't have an elderly or unwell parent) realise just how expensive care fees are in this country?

I see so many inheritance threads on here and people getting upset because they have discovered a sibling or other relative is set to benefit more from a potential will or that a parent or in-law has suggested they should add this person in or take that person out and see threads stating 'We are set to inherit this or dc will be rich at 25 with this big inheritance from their gp' etc?

I can't help but wonder with an ever growing ageing society and diseases like dementia being the biggest killer in this country that many people will have a shock when their parent or grandparent ends up in a care home and all of 'their' inheritance is swallowed up.

I'll be honest, up until a few years ago, I too had no idea just how expensive care costs are to the individual or to society in general.

My parents are in their 80's and mum is (now) in advanced Alzheimer's disease having suffered for the last 8 years and even though she also has cancer, heart disease and osteoporosis her poor body must have a strong will and desire to keep on living because despite succumbing to various infections and a couple of falls over the last year, one which saw her fracture her neck (a fracture that most elderly osteoporosis sufferers die from), she keeps on going.

Due to her frailty and double incontinence she requires carers 3 times a day which is currently costing mum £4k per month (almost £40k so far). Thankfully my parents can afford this. Post hospital discharge mum had 6 weeks of 'free' LA funded care and it was dreadful, so we are thankful there are funds for private care and I will forever be grateful for that. This current care though is really not enough so between my elderly father, my sister and I we fill in the rest of the time (carers only here for a maximum of 3 hours per day, usually less) and it is beyond stressful. Eventually and probably sooner rather than later we will have to conclude we just can not keep mum at home any longer and she will most probably have to go into a care home and with her growing complex needs it will more than likely cost £1600+ per week, so at least £70k per year. Dad is 85 this year and although he is in physical good health we are concerned that his cognition is declining too so who knows what the future lies ahead for him and how much care he may need?

DH's uncle had a stroke two years ago and has been in a care home, on end of life care, for the last 18 months, this has so far racked up a bill of £150k.

Personally, I have never relied on an potential future inheritance and I am thankful that my parents have enough funds to be able to pay for the best care their money can buy, I know many are not so lucky. But I could never rely on my parents money coming my way and so dh and I have long ago made our own provisions for the future but reading so many of the inheritance threads here with siblings squabbling over wills whilst their (often not yet too elderly) parents are still in fine fettle makes me wonder how many will be in for a big shock should either of their parents or relatives become one of the many who are diagnosed with dementia every year and need lots of care?

OP posts:
MaturingCheeseball · 24/04/2026 16:44

Yes, mil was a statuesque woman and when she developed dementia she was violent. The home carers refused to come after she attacked them. She was also incontinent and had lost the 24-hour clock, so would be awake through the night.

Furthermore no “naice” home would take her so she was in a very basic establishment, paying full whack when everyone else was paying nowt.

ThatCyanCat · 24/04/2026 16:44

MaturingCheeseball · 24/04/2026 16:38

I definitely support a system whereby you can have an advance wishes document that if, say, two doctors sign off that you have lost capacity, you can be “put to sleep” as it were.

I think most people are terrified of Alzheimer’s/dementia. The thought of sitting in a nappy not knowing who anybody is or even your own name, and your dcs/gcs visits waning as you live on and on…. The only winner is the owner of the care home.

I support something like this - assisted dying, basically - in theory, but in practice I'm just too worried about grasping, manipulative relatives. As OP said in her first post, so many people are so set on their inheritance, I can absolutely see how many people might be able to sway a vulnerable older person into signing into something they don't really, truly want to do, but they fear becoming a burden and costing an inheritance... and once it becomes an option, it's also an active choice not to do it, and that's harder for many people.

I don't think anyone wants to live into that level and severity of dementia. There seems to be a disconnect sometimes between how bad it is for a parent ("I'll care for them myself") and how bad it is for you ("I'll kill myself before it happens").

hoardingwealth · 24/04/2026 16:39

DaisyDooley · 24/04/2026 14:28

I agree and it is what it is.
All of the people who do have money will at least get the choice of where they live (ie which care home they/their family choose for them).
What worries me is the sheer number of people who can’t afford care and will be dependent on the state. How on earth will we afford that??
People through medical advances are living longer.
Personally if my mum had dementia I would not let any medical intervention happen at all as living with dementia would be something neither she nor l would want, no matter what was wrong. Painkillers only - and lots of them.

So, let's say your Mum gets dementia and starts wandering around at night - like my Nan, who would set off down the High Street in her nightie at midnight. My Nan also smoked and would fall asleep with a lit cigarette in her lap. Also, turn on the gas but not ignite a flame. What then? Sure as eggs are eggs you'll have to put her in a home. And the staff will ensure that she gets all the medical help she needs, which will keep her alive until her body gives out.

GnomeDePlume · 24/04/2026 16:39

godmum56 · 24/04/2026 16:23

Those examples are awful. My personal and professional experience has been different but I do feel that Shipman and the furore over misuse of the Liverpool Care Pathway has put medical staff under pressure. Even before POA's were widely taken out I know that round here, conversations were had between relatives, medics and care facilities about what was kind and sensible and what was not. Personally I was involved in those conversations regarding my own Mother and my late husband, professionally I experienced similar.

Unfortnately my experience is the opposite of yours. Pressure to keep treating.

I think you are right that it was the perceived misuse of the Liverpool Pathway which has frightened HCPs away from withholding any treatment.

We have resisted treatment in hospital for DM because we know that the reality will be hours spent on an uncomfortable trolley in a corridor waiting for a bed to come available. She will be confused, frightened, distressed, in pain. Her health is so precarious that she could easily end up dying in that situation.

Declining treatment will mean that she will ultimately die but in the calm comfort of her CH. She is on EOL care so there are medicines available to ease her passing.

Marylou2 · 24/04/2026 16:39

EndlessSeaViews · 24/04/2026 10:32

I agree. My sister and I run a home help service so most of our customers are the very people you mention. It breaks my heart to see so many of them struggling, often with children living abroad or miles away which is stressful for them too as they just can't help their parents.

As you know, the government will only step in once savings go below £23,250 so many are forced to pay out for care, cleaners, home helps etc and so many are from eras where family stepped in to help their older relatives so they find it hard to pay out for help and struggle on until they end up in dire straits.

It's so sad. And sadder are the ones we help who's dc do little to help but you can guarantee they will be there in a swift moment as soon as wills get read, I have seen this many times.

I could cry when I know these types of services are out there but I just can't convince my elderly parents to let them help. They have plenty of money but just refuse to acknowledge that they aren't really coping. There is only so much I can do and I am at breaking point with telling them that they need to allow a proper cleaning/ home help service in. I'm ashamed to say I lost my cool this week and left the house after clearing their messy fridge and kitchen yet again. They don't realise that the house smells bad and the cleaner they have is useless. They hord their money for care later while not meeting their current needs.

MaturingCheeseball · 24/04/2026 16:38

I definitely support a system whereby you can have an advance wishes document that if, say, two doctors sign off that you have lost capacity, you can be “put to sleep” as it were.

I think most people are terrified of Alzheimer’s/dementia. The thought of sitting in a nappy not knowing who anybody is or even your own name, and your dcs/gcs visits waning as you live on and on…. The only winner is the owner of the care home.

ImImmortalNowBabyDoll · 24/04/2026 16:29

blueshoes · 24/04/2026 15:37

I can see the attraction of assisted death as a neat solution for a parent who does not want to be a burden to their children or have care home fees unnecessarily eat up the children's inheritance to prolong a life not worth living at least in the final stages.

The difficulty is at what point do you decide it is time to push the trigger for assisted death. Too soon and you give up good years unnecessarily. Too late and you lose the capacity to make the decision. When it really comes down to it, can anyone hand-on-heart say that they would not baulk? The person will also come under intense emotional pressure from loved ones not to do it. It takes quite a strong person to actually pull the trigger on themselves (figuratively, if not literally) at a point in their lives where they still could live on and want to live on. Leave it too late and the choice is taken from you.

You're right, it is a tricky question.

It appears to me (and I'm not a medical professional) that once a person has dementia the body usually starts to fail too, but every time an infection comes along which could result in a relatively quick and peaceful death, they are instead pumped full of antibiotics and kept alive. It seems like the obvious solution would be that people should be given the option, before dementia takes hold, to explain their wishes that they will not be repeatedly "saved" when they have the opportunity to slip away.

I don't think it's anything to do with being a burden particularly, I would want my parents to stay alive as long as they had a good quality of life, even if it did result in money being spent or hard work on my part. I just know that they would never want to live with dementia and lose everything which makes them themselves.

godmum56 · 24/04/2026 16:27

catofglory · 24/04/2026 16:26

My mother had dementia, and in her last few years I didn't have to argue with anyone about hospital admissions. Everyone - paramedics, GP, care home staff - agreed she should not go, even when she had a suspected TIA. She would not have withstood any treatment and was too frail.

I don't have any objection to paying for my own care if I need to. It will mean that I (or my attorney) can choose the care I get, rather than taking what Social Services can offer. I would rather not linger on with dementia, I can say I'll jump off a building but by the time I need to, I won't be able to organise my thoughts.

this is more like what I have seen locally

catofglory · 24/04/2026 16:26

My mother had dementia, and in her last few years I didn't have to argue with anyone about hospital admissions. Everyone - paramedics, GP, care home staff - agreed she should not go, even when she had a suspected TIA. She would not have withstood any treatment and was too frail.

I don't have any objection to paying for my own care if I need to. It will mean that I (or my attorney) can choose the care I get, rather than taking what Social Services can offer. I would rather not linger on with dementia, I can say I'll jump off a building but by the time I need to, I won't be able to organise my thoughts.

godmum56 · 24/04/2026 16:25

GnomeDePlume · 24/04/2026 16:17

@godmum56 I am not sure what point you are trying to make.

With acute health problems there seems to be a greater willingness to stop all treatment, to let nature take its course.

With chronic conditions there always seems to be another course of ABs, pacemaker, heart medicines etc etc. The determination to keep the body alive even if the mind has gone.

With DM we have LPAs so have been able to decline treatment on her behalf albeit with a fight. No LPAs for DMIL so she was treated many times long after dementia had fully claimed her.

again, all that I can say is that is not my personal and professional experience and what you are telling me is terrible. As I have also said preoviously, I think that the misuse of the Liverpool Care Pathway and the Harold Shipman scandal has put medicas under increasing pressure.

godmum56 · 24/04/2026 16:23

MaturingCheeseball · 24/04/2026 16:15

Yes, if does. A dnr only applies to a major heart attack/stroke, otherwise treatment prevails. Mil had numerous bouts of pneumonia. Every time she was sent by the nursing home to hospital for antibiotic treatment, and then dispatched to nursing home to live on - bedbound, with a multitude of illnesses, and with advanced dementia such that she was a complete - I’m sorry to say - cabbage. It was awful.

And fil - also with dementia - was given a hip replacement after a fall. He had absolutely no idea what was happening.

Those examples are awful. My personal and professional experience has been different but I do feel that Shipman and the furore over misuse of the Liverpool Care Pathway has put medical staff under pressure. Even before POA's were widely taken out I know that round here, conversations were had between relatives, medics and care facilities about what was kind and sensible and what was not. Personally I was involved in those conversations regarding my own Mother and my late husband, professionally I experienced similar.

1apenny2apenny · 24/04/2026 16:17

I am not gifting money to a care home, I’m going to enjoy my money and pass as much as I can to my DC. I don’t want ‘care’, Is rather due frankly than be so ill I don’t know who anyone is, who I am or where I am. I don’t understand how other people feel they have the right to tell me that I have to spend my money to keep myself alive when I don’t want to. Neither am I prepared to subsidise those who didn’t save any money to fund their own care so the council pays. If I spend it/give it away they can’t have it.

GnomeDePlume · 24/04/2026 16:17

@godmum56 I am not sure what point you are trying to make.

With acute health problems there seems to be a greater willingness to stop all treatment, to let nature take its course.

With chronic conditions there always seems to be another course of ABs, pacemaker, heart medicines etc etc. The determination to keep the body alive even if the mind has gone.

With DM we have LPAs so have been able to decline treatment on her behalf albeit with a fight. No LPAs for DMIL so she was treated many times long after dementia had fully claimed her.

MaturingCheeseball · 24/04/2026 16:15

godmum56 · 24/04/2026 15:54

I will ask again, do you know this happens?

Yes, if does. A dnr only applies to a major heart attack/stroke, otherwise treatment prevails. Mil had numerous bouts of pneumonia. Every time she was sent by the nursing home to hospital for antibiotic treatment, and then dispatched to nursing home to live on - bedbound, with a multitude of illnesses, and with advanced dementia such that she was a complete - I’m sorry to say - cabbage. It was awful.

And fil - also with dementia - was given a hip replacement after a fall. He had absolutely no idea what was happening.

GnomeDePlume · 24/04/2026 16:07

godmum56 · 24/04/2026 15:54

I will ask again, do you know this happens?

With my DM and DMIL, yes.

GnomeDePlume · 24/04/2026 16:06

My DM's CH fees are around £1450/week. For that she gets:

  • a clean, decent room with ensuite wet room
  • all meals and snacks
  • nurse to give her medicines, note changes, deal with GP
  • someone to feed her, clean her, change her, when she could still manage it, lift her into and out of her wheelchair, deal with her temper tantrums
  • all the different pieces of equipment she has needed as her condition deteriorated

IMO the fees are a bargain.

catofglory · 24/04/2026 15:56

My mother spent around £400k on her care over the last 8 years of her life. I didn't get an inheritance, and didn't expect one. It was her money, she wanted it used for her care, and having money made it far easier to access that care.

godmum56 · 24/04/2026 15:54

GnomeDePlume · 24/04/2026 15:46

Once someone has heart failure, kidney failure plus dementia, doubly incontinent, bedbound IMO any active treatment is inappropriate.

I will ask again, do you know this happens?

WearyAuldWumman · 24/04/2026 15:47

Utopiaqueen · 24/04/2026 15:34

I'm fortunate I'm in Scotland and we get free personal care and free nursing care so while that won't pay the full cost of a private nursing home, it certainly helps keep the cost down.

Though who knows what it will be like by the time I'm elderly! Because as we know, money has to come from this from somewhere!

Edited

My impression from sharing info about care fees with family south of the border is that some of the private homes here (in Fife) bung on an extra 200 pounds or so to use up the 'personal care' allocation.

Back in 2011, I paid for one week's respite for Mum in a private care home which was also used by Fife council. I was shocked to be handed a bill for £900 for what was supposedly a 'luxury room'. No. No, it wasn't. (No, I didn't have a choice as to the home.)

This wasn't even a nursing home.

Later on, when Mum was in a nursing home I found out that - at least in Fife - in order to qualify as a nursing home, you only need one nurse in charge of the whole place. Being mindful of what had happened before, I told the nurse/manager that I wanted Mum in a standard room.

I'll add that - again - I had no choice over the home. We had to take what was available.

When I went pick up the bill for the week, the man couldn't look at me. It was £800 for a 'deluxe' room. (Same firm as the previous home.)

I'm working on keeping myself mobile and my mind active, but who knows what's ahead of them. I have no children to advocate for me.

Dad lived to 86, but was compos mentis in spite of mini strokes. Mum's dementia became obvious in her 80s. She died at the age of 90. Ditto her father, so goodness what is in store for me.

GnomeDePlume · 24/04/2026 15:46

godmum56 · 24/04/2026 15:37

but do you KNOW that innappropriate treatments are being given?

Once someone has heart failure, kidney failure plus dementia, doubly incontinent, bedbound IMO any active treatment is inappropriate.

TheyGrewUp · 24/04/2026 15:45

ThejoyofNC · 24/04/2026 14:34

I have to say I'm shocked to read how much care costs. I come from a culture where we never use care homes so I hadn't really ever thought about it but I am genuinely amazed at some of the figures on here.

Indeed and I can see my neighbour. She has spent the last ten years looking afyer her in-laws for 6 months of the year, here from India and then her own parents who moved in with her. They are all now dead. She is now run ragged looking after a three year old, soon to be joined by a one year old. She looks haggard and knackered and her hair is thinning. We are both 65.

godmum56 · 24/04/2026 15:37

GnomeDePlume · 24/04/2026 15:32

I agree with you @EndlessSeaViews . So many people are horribly unprepared for the realities of dementia.

The main problem is that people are being kept alive longer than they should be. Clinically, XYZ might be the appropriate treatment but is it right for someone who no longer knows what is going on?

My DM is bedbound with late stage vascular dementia plus a whole host of other problems. But still we have to argue with the GP to prevent her being dragged from her comfortable CH bed to spend hours if not days in hospital for no good purpose.

My own plan is an advanced directive. Once I am diagnosed with dementia I do not want to even be offered ABs for a UTI. I would far rather die too soon than too late. FOLO (Fear of Lingering On) rather than FOMO.

but do you KNOW that innappropriate treatments are being given?

blueshoes · 24/04/2026 15:37

ImImmortalNowBabyDoll · 24/04/2026 13:05

I think things might change a bit regarding dementia with assisted dying bills. I would guess a large proportion of those diagnosed with dementia would opt for assisted death before they became too unwell to decide. I know I definitely would.

I can see the attraction of assisted death as a neat solution for a parent who does not want to be a burden to their children or have care home fees unnecessarily eat up the children's inheritance to prolong a life not worth living at least in the final stages.

The difficulty is at what point do you decide it is time to push the trigger for assisted death. Too soon and you give up good years unnecessarily. Too late and you lose the capacity to make the decision. When it really comes down to it, can anyone hand-on-heart say that they would not baulk? The person will also come under intense emotional pressure from loved ones not to do it. It takes quite a strong person to actually pull the trigger on themselves (figuratively, if not literally) at a point in their lives where they still could live on and want to live on. Leave it too late and the choice is taken from you.

godmum56 · 24/04/2026 15:36

powershowerforanhour · 24/04/2026 15:17

A fistful of pills and a bottle of whisky is the only sensible answer, but I don't know if I'll have the fortitude to do it while I still have the ability to do it.

what pills and how will you get them?

godmum56 · 24/04/2026 15:35

PopcornPoppingInAPan · 24/04/2026 15:11

My DSiS works for an IFA. She’s concluded that middle class families can either take responsibility for looking after elderly parents themselves and then get some inheritance or the parents can go into a care home and fund it with the inheritance (probably the family home).

But they can’t have care home care and leave any inheritance for the kids.

sometimes, in my experience, it gets beyond the capabilities of even the most devoted family unless there are enough of them to work in shifts.....and if the person becomes violent....well that deffo needs specialist support.

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