To think some people are clueless?!

[PinkiOcelot]

There’s been a number of threads recently about money, taxes etc and a number of people talking about council run care homes. One person even stated she wouldn’t be eating cabbage alongside council funded residents!
Do people really think there are care homes purely for the rich and scummy council funded people won’t be in them?!
Where I live the council has no care homes whatsoever. They sold them all off.
My mum is in a care home and is self funded. She pays a fortune every week but sits and eats her dinner and has exactly the same facilities as those who don’t.
So wake up people. You could end up paying a fortune to sit and eat cabbage next to someone who is funded.

Well I think there are some very exclusive ones aren't there? Where the fees are so high, councils would not pay....

Perhaps. But IME definitely a mixture of residents. We looked around quite a few.

In many councils as and when people's own funding runs out for the care home of their choice, and they become paid for by the council, they are very often moved to a different /cheaper/probably less good, place.

Mind you, what matters more is that if you replace "we" with "they" it all suddenly feels more real and horrible.

Yes but the difference is most saying that would go in to semi independent living, i.e. pay for an apartment for £175,000 and monthly service/management fees for twice daily care visits, communal area and chefs cooking their main evening meals, rather than a care home, OP.

Most people drop dead in their sleep or of a heart attack than a slow fade in a carehome.

A standard care home takes state funded and self funded residents, usually in equal numbers.
The cost to self funders is on average around £900 per week.
The state pays around £500 per week per state funded resident.
Therefore, the self funders subsidise the state funded.
Residents contribute all their income, including all pension, attendance allowance etc.
All residents receive exactly the same care.
There are some very expensive care homes that cost twice as much and can be afforded by the very rich.
Unfortunately a lot of care homes are going out of business and being sold off.

Residential care home i worked at had different rooms for self funded and social funded. The self funded were "nicer" though had the same amenities.One also had an upstairs which was all self funded as social funding didnt grant enough to pay the costs required for those rooms, they were much bigger, all full ensuite with better facilities. Nursing home care however is like for like, whether private or funded, the care is the same. In my area and the homes ive worked in any way

I just pray I die before that happens tbh. I think most people do.

My MIL is in a private nursing home. We pay £1,375/week (made up from a combination of her pension, then the rest split between FIL and my husband/me).

The only thing she can eat is yogurt and puréed scrambled egg.

I think a lot of people romanticise what being in a nursing home could be like and don’t plan enough for what happens if they need highly specificalised care that isn’t readily available through a council/public system.

It's easily solved. Instead of foisting your elderly parents into the care-home system, save the £40k - £50k a year, treat it as tax free cash, and stay at home and look after them yourself. You will have to be prepared to never go out again, because of the attention they need.

This works in some close communities. Many immigrant communities can do this.

There's also a lot of cluelessness about what you have to pay, or when your house has to be sold.

If one person in a couple needs to go into a home, or needs carers at home, you don't need to worry about selling your house, because it is needed by the other person who is living in it. It is only when there is only one person living in a house that they own, does it need to be sold to pay for care.

And you get to keep around £23k of assets, so people with savings under this amount don't have to use this money.

But people are clueless about lots of things. There are many many posts on here that illustrate that lots of people still don't understand child benefit rules for high earners and post things like 'you lose all your CB if you earn over £50k', or claim to not know that higher earners are not entitled to CB and make panicked posts about having to pay it back, and I've even seen posts on here from people who say that they have never heard of child benefit, despite qualifying and being UK born and bred, and were miffed that they'd missed out on money they'd been entitled to because it had taken them years to realise they weren't claiming it.