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Original poster

To consider the Conservatives' manifesto pretty decent on the whole?

909 replies

Puzzledandpissedoff · 18/05/2017 15:45

Pretty decent in terms in principles, that is ... as so often with manifestos it's too thin on costings

Main points here: www.bbc.co.uk/news/election-2017-39960311

Full version here: www.conservatives.com/manifesto

OP posts:
Sostenueto · 18/05/2017 22:31

Nothing will go to your family if your care bill on your death is more than your assets. Your family will have to cough up the deficit.

Sostenueto · 18/05/2017 22:32

If they can't the state will but your family will not have £100,000 .

Charmageddon · 18/05/2017 22:41

Can someone please clarify the care and £100'000 in this example please

I.e a pensioner has carers every day but isn't forced to sell their house until they die, pensioner care bills are well over £50,000 and their house is worth £120'000 so after their death the house would be sold and £20'000 would be recouped from the sale of the house? £100'000 to go to family
Is that right?

Yes.

What if family member who inherits house wanted to live in mums house after she had died but couldn't afford to just give £20'000 to govt?*

If pensioner leaves a partner, house does not get sold until after death of partner.
However, I would imagine in this case that if family member can't afford £20k then the house will be sold & family member will have £100k

Who assesses the home they own and when as house prices vary? Would it be the minute they need care then someone assesses their home?

No idea.

What if a pensioner needed care but was part of a couple and 1 was left in the house? How would they recoup the care costs then?

As above, the partner left behind would not be turfed out - the debt will be frozen until remaining partner dies.

38cody · 18/05/2017 22:41

YANBU
On the whole its realistic, fair under circumstances and has some sensible solutions.

Two4One2017 · 18/05/2017 22:44

Sost - that's not what they are explaining on the news. You pay up to the last £100,000 of assets including house. Then state pays. On death, estate is sorted and £100,000 can be inherited.

Charmageddon · 18/05/2017 22:48

Sostenueto, you are not reading the new proposal properly.

£100k of assets will be ring-fenced.

Pay for care up until there is £100k left, then the state takes over.

The 'bill' is not settled (if it's part of your house value) until you die.
Unless you leave a living spouse, in which case the debt will not be recouped from the value of the house until they die too.

The £100k is then inherited by whomever it's been left to.

Charmageddon · 18/05/2017 22:49

Xpost with Two4one...!

Sostenueto · 18/05/2017 22:53

No one is going to get 100k upon your death. If you have assets over 100k you will now have to pay for all your care. Your house will now be classes as an asset. You will not have to sell your house until your death or the death of your partner after you. If your house does not cover your care bill (and your partners) after it us sold either your family or the state will pay the deficit. Your family will get NOTHING unless your care bill is less than the value of ALL your assets. At the present time if you have under 22 grand in the bank you don't pay care bill and your house is not took into consideration unless you go into a residential home, and then you would have to sell your house to pay for your care. May has now altering that and she has removed the cap on how much your social care can cost. I e it's a death tax in disguise. Do not be filled into thinking your family will get anything.

Charmageddon · 18/05/2017 22:58

You are wrong.

The new policy is to increase the ring-fenced amount to £100k.

Charmageddon · 18/05/2017 23:08

"Second, to ensure this is fair, we will introduce a single capital oor, set at £100,000, more than four times the current means test threshold. This will ensure that, no matter how large the cost of care turns out to be, people will always retain at least £100,000 of their savings and assets, including value in the family home."

From page 65 of the manifesto.

Sostenueto · 18/05/2017 23:10

No you are wrong. Watch question time now and you will see. IF YOU HAVE ASSETS OVER £100,000 YOU WILL HAVE TO PAY YOUR CARE COSTS. You do not have to sell your house until you die that is all that is ring fenced. IF YOUR CARE BI LL is MORE than the value if your assets the family will get NOTHING. More people will now have to pay for their care than under the present system.

Charmageddon · 18/05/2017 23:30

IF YOU HAVE ASSETS OVER £100,000 YOU WILL HAVE TO PAY YOUR CARE COSTS.

Yes.

IF YOUR CARE BI LL is MORE than the value if your assets the family will get NOTHING.

No.

The floor amount is £100k.
The state will take over once your assets are equal to £100k.

It's on page 65 of the manifesto - I even copied & pasted it for you.

This new proposal will protect the poorer & middle well-off; it will cost the richer more though.

deeedeee · 18/05/2017 23:34

If you don't want fracking near your community lowering your house prices and threatening the health of your children, don't vote conservative.

the manifesto backs fracking and says that Wells dug to explore for fracking to become "permitted development" and will need no planning permission.

www.independent.co.uk/news/uk/politics/election-2017-conservatives-fracking-party-manifesto-tory-gas-shale-domestic-enivronment-a7742496.html

JamieXeed74 · 18/05/2017 23:36

Don't the the Tory bashing get in the way of some peoples deliberate ignorance.

Madeyemoodysmum · 18/05/2017 23:38

I'm selling up as soon as I'm 60 and spend spend spend !
Stuck between a rock and a hard place springs to mind on this election

Charmageddon · 18/05/2017 23:40

I'm selling up as soon as I'm 60 and spend spend spend !

There's no pockets in a shroud, why not enjoy the money you've worked for?

PigletWasPoohsFriend · 18/05/2017 23:45

IF YOUR CARE BI LL is MORE than the value if your assets the family will get NOTHING

Completely incorrect.

Asset of £100k is protected.

LineysRun · 18/05/2017 23:48

So what's to stop me selling my house to my daughter for a pound?

I've heard of people doing that in the past.

Sostenueto · 19/05/2017 00:00

Your house has to be put in a family members name at least 7 years before you need care. Unless you are a gypsy rose with a crystal ball you won't be able to judge when you need care. This law has been in for the last few years because people were doing exactly that, signing their houses over to their families so that if they went into residential care they wouldn't have to sell up to pay for their care. May us now saying that if you want care in your own home then you won't have to sell till you die but your house will be classed as an asset and your care bill will be took out of the value if your house and assets in the bank, ALL of your assets. At present care in your own home is only payable by you if you have less than 22 grand and your house is not took into consideration unless you go into residential care. So best turn your house and ALL your assets over to your family now cos they ain't getting nothing when you die unless of course you just drop dead and didn't need any care. Sorry only way to explain things.

PigletWasPoohsFriend · 19/05/2017 00:03

your care bill will be took out of the value if your house and assets in the bank, ALL of your assets.

After the first 100k which is protected which they can't touch.

Charmageddon · 19/05/2017 00:04

May us now saying that if you want care in your own home then you won't have to sell till you die but your house will be classed as an asset and your care bill will be took out of the value if your house and assets in the bank, ALL of your assets

Yes.

At present care in your own home is only payable by you if you have less than 22 grand and your house is not took into consideration unless you go into residential care.

Yes.

So best turn your house and ALL your assets over to your family now cos they ain't getting nothing when you die unless of course you just drop dead and didn't need any care. Sorry only way to explain things.

No.

If your assets in total are worth more than £100k, then the state will take their bill from your assets.
However, they will stop at £100k.

You can leave your beneficiaries that £100k.

It's really not difficult to understand.

Charmageddon · 19/05/2017 00:06

For clarity (again); this is the extract copied directly from page 65 of the manifesto.
It's really very clear:

"Second, to ensure this is fair, we will introduce a single capital floor, set at £100,000, more than four times the current means test threshold. This will ensure that, no matter how large the cost of care turns out to be, people will always retain at least £100,000 of their savings and assets, including value in the family home."

Sostenueto · 19/05/2017 00:08

Piglet I really am right there is no money protected. You need to read manifesto again. It would not be viable to ring fence that amount if money it would defeat the object of the exercise. Think about it. The idea was to get more people to pay for care in their own homes. The 100000 quid is the amount if assets you have to have to start paying for your care. As your house is now classed as an asset where it wasn't before it stands to reason more people will be paying. There isn't many houses around valued at under £100,000.

Charmageddon · 19/05/2017 00:10

The 100000 quid is the amount if assets you have to have to start paying for your care.

No it's not.

You have completely misunderstood this.

Lokisglowstickofdestiny · 19/05/2017 00:14

sost, you can't just put the property in someone else's name if you still plan on living in the property. You would need to pay the other person a realistic rent otherwise the local authority will class it as deliberate deprivation of assets and your estate will still be charged for care. So that strategy needs very careful planning and evidencing.