Alot of the problems with the very old not wanting to go into a care home is because they have some level of dementia and don't understand that they need care. I have personal experience as I have LPA for an elderly relative who thought she had eaten, thought she had shopped but the evidence was there was no food in the house and she was starving to death. She hated me when she went into the home, she has no children and I was the closest to her so that was why I had the LPA, it was awful to know how much she hated what I did but I couldn't leave her at home to starve.
I've told my kids to ignore anything I say if the time comes when I need care but don't think I do. They have had absolution in advance. I've been working for the last 54 years and have a state pension and a private one, if my husband goes before me I will also have 50% of his pension and a house to sell. There will be enough money for me to go into a nice home. I've worked, brought up 4 children and been my DHs carer for 30 years so I think I am entitled to a decent level of care. I've done childcare for GC for years, am currently bringing up a teenage GC whose home life has broken down.
I don't get any benefits, I don't get subsidised travel as I use my car, I do get free prescriptions but due to a medical condition I have had free prescriptions since my 40s so I got that regardless of age. I pay for private dentistry as there are no NHS dentists available where I live. I pay my taxes.
If I resist care it won't be because I haven't planned ahead, it will be because I've become very vulnerable and need someone else to make the decisions.
You see me now and think life has been easy for me, well it hasn't. I had to work and the standard working week was longer 50 years ago, I got poorly paid in the early part of my working life as women had to fight for the right to equal pay, you benefit from that don't you. I was late 20s before I could join a pension scheme, lots of employers didn't welcome women into pension schemes hence my husband has a better pension than I do. You don't see the young mum in the 70s working fulltime without the luxuries at home that people often take for granted now, no washing machine, no dishwasher. Housework was harder but it still had to be done. You don't see me embarrassed as I waited for the jewellery shop to be empty before I went in to sell my engagement ring to buy things for my children, you don't see me trying to work out how to pay the fuel bills and feed the children and pay the mortgage. There were no foodbanks but sometimes I would go home from my mum's with a food parcel.
You are having it tough now but you don't know how it will be in 20, 30 or 40 years. You are comparing young parents with mortgages and children with elderly people whose children are grown and mortgages are paid. Not a fair comparison.
I think the biggest difference between you and me is I never resented anything my grandparents or parents got, I recognised that they had gone through hard times and I accepted that when you are bringing up children you have less than others.