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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think it's unfair to sell your home to fund care when older while others pay nothing.

1000 replies

SonnyHoney · 11/04/2026 16:39

I provide healthcare services to older people, which means I regularly visit care homes. It’s something I find quite upsetting at times. I see individuals who have worked hard all their lives, paid off their mortgages, and are now facing care home fees of around £2,000 a week.

Meanwhile, others are living in the same care homes with their costs largely covered, aside from a contribution from their pension.

I say this as someone from a working-class background and daughter of an immigrant (El salvador) who has had to work incredibly hard to get to where I am financially. I’m also very aware that one day my own parents may have to sell their home to fund their care.
My mum, for example, has run a cleaning business for years, she’s up early every morning and has worked long, physically demanding hours. She hopes to pass something on, but realistically, I feel it will likely be used to cover care costs .

Before anyone says “Why don’t you just care for her yourself and keep the house?” And of course, if I’m in a position to do that, I will. But the reality is that with older age, there can come a point where needs become too complex, and care at home is no longer possible.

Obviously, those who don't have houses to sell need care and have to go to a care home, but my point is it just feels unfair, really.

OP posts:
MyLuckyHelper · 12/04/2026 16:17

Emmz1510 · 12/04/2026 16:13

And have their family members be pursued for deprivation of assets?

theyll only be pursued if they’ve broken the rules. If you want to avoid it sign your house over way before you’re like to need the care

Cheese55 · 12/04/2026 16:19

Needspaceforlego · 12/04/2026 16:16

Dementia is terminal
Yes people can life in the community for a bit supported.
But there comes a point when they become a danger to themselves and the people around them.

Someone whos insane would be cared for in a mental hospital. Someone with dementia is expected to pay their own care.
How is that possibly fair.

It would be classed as neglect to leave a 3 year old home alone, but ok to leave an adult with less mental capacity.

Someone who needs taken to the toilet or they'll forget to remove their pants.
Someone who will leave the gas on, forget how to light it?
Someone who will leave the house and not remember their way home - or they think home is the house they lived in as a child - its not there they can't find it.
They might forget where the toilet is in their own house.

Some do become violent with frustration like a toddler.
They have irregular sleep patterns, even a partner living with them can't be awake 24hrs to keep an eye on what they are doing.

They absolutely become a danger to themselves and others.

All of those needs do not need a nurse, a carer can meet them

InconsequentialFerret · 12/04/2026 16:21

Snoopy51 · 12/04/2026 15:57

My god it’s so boring when two people just bicker backwards and forwards on a thread.

It's tedious, but they're more concerned with their respective egos and being right than they are about other people and derailing the thread.

BuildbyNumbere · 12/04/2026 16:21

Always been the way … the harder you work the more you get screwed over.

Boomer55 · 12/04/2026 16:22

MyLuckyHelper · 12/04/2026 16:17

theyll only be pursued if they’ve broken the rules. If you want to avoid it sign your house over way before you’re like to need the care

Some councils are taking it back 20 years. If relatives have received funds, they are pursuing them through the courts.

PartQualifiedAcca · 12/04/2026 16:27

Boomer55 · 12/04/2026 16:22

Some councils are taking it back 20 years. If relatives have received funds, they are pursuing them through the courts.

It’s a common misconception that the seven year inheritance tax rule applies to deprivation of assets for home fees

SonnyHoney · 12/04/2026 16:28

PartQualifiedAcca · 12/04/2026 15:09

Oh dear, you’ve made the terrible terrible mistake of making a shitty comment with reference to another post that’ll get you banned that will
👍

What did imply thats been deleted ?

OP posts:
KmcK87 · 12/04/2026 16:29

It is very unfair but unless you want more services cut to fund elderly care then I don’t see any other option

PartQualifiedAcca · 12/04/2026 16:30

SonnyHoney · 12/04/2026 16:28

What did imply thats been deleted ?

Well, I’d be as bad as them if I repeated it wouldn’t I?

Needspaceforlego · 12/04/2026 16:30

likelysuspect · 12/04/2026 16:09

Exactly, these posts are bizarre

State funded will cover a whole plethora of people who quite simply may have run out of cash, didnt own a property but had savings that have now dried up, or were carers so couldnt work, or did work and in lower paid jobs that we all take advantage of. Or did have property and it was sold and now are state funded.

This point has been made over and over but its a red herring in the discussion, the discussion is about whether you should pay if you can or not (not in comparison to someone who doesnt pay, thats irrelevant)

And the disparity, which Im still not sure I really get, between care care, hopsital care, nursing care, hospice care, illness, 'condition'. Someone mentioned dementia being a MH illness further up the thread, but its not is it? Its a neurological condition. I think its like brain damage essentially isnt it?

So theres a question, if you have a stroke lets say and that stroke leaves you unable to care for yourself and a care package at home isnt enough to care for you, and you need a home, who pays for that?

It will come under the same rules as other care home patients.
You if you have the money to fund it.

I firmly believe all care should be part of the NHS. How many people end up bed blocking because a home can't be found for them, or arguments over funding?

If someone needs care they need it and it should be state funded.

Netcurtainnelly · 12/04/2026 16:31

Carpedementia · 12/04/2026 15:35

Yes but it’s not a choice for a dementia patient to be in care anymore than it is for a cancer patient to receive care so I don’t think paying for care staff should be their responsability. Why should the infirm elderly be treated dfferently to other sick people? I’d include heating in board which I think it’s fne to pay for. 10000 isnt justfiable imo unless the home is lookng to make a profit which should never have been allowed

Edited

We should be glad care homes exist. There is a big need for them. What would we do if there weren't any.

MyLuckyHelper · 12/04/2026 16:32

Boomer55 · 12/04/2026 16:22

Some councils are taking it back 20 years. If relatives have received funds, they are pursuing them through the courts.

Oh wow that’s diabolical! I didn’t know that 😮

MyLuckyHelper · 12/04/2026 16:33

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Stirabout · 12/04/2026 16:33

KmcK87 · 12/04/2026 16:29

It is very unfair but unless you want more services cut to fund elderly care then I don’t see any other option

Population wide insurance to fund social care

PartQualifiedAcca · 12/04/2026 16:36

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

*irresponsible

InconsequentialFerret · 12/04/2026 16:37

A woman from my LA asked me about a house sale 20 years previously, when my mum sold her house to move in with me. We had then gone on to buy a house together. The one we lived in at the time.

And this was when I was filling in forms for care at home! They were primed for the possibility or a care home being needed in the future.

LAs are also pursuing charges on houses owned as tenants in common with non spouses. It used to be that estate agents would price half (or whatever the share) a house with the likelihood of it being unsaleable, so a very low value. Now, LAs state they would want to purchase, which increases the value of the share, and they place a higher charge on it as a consequence.

If you're disposing of assets you need to be doing it early.

Allseeingallknowing · 12/04/2026 16:37

Stirabout · 12/04/2026 16:33

Population wide insurance to fund social care

I think that would be a good idea! If you then don’t need it it goes to your estate. Trouble is not enough would do it, unless it’s compulsory eg NI raised to cover it.

Stirabout · 12/04/2026 16:37

MyLuckyHelper · 12/04/2026 16:32

Oh wow that’s diabolical! I didn’t know that 😮

But they have to prove you were aware you’d need care in a care home
hence deliberate deprivation of assets
Incredibly difficult to prove unless
You were suffering from something that suggested you might need care inthe future at the point of transferral. and. That you had the medical knowledge to appreciate that

Imsickofthisrain · 12/04/2026 16:39

My MIL has just gone into a care home. She has private rented for 60 years, never ever claimed benefits, just been paying someone else’s mortgage has zero assets.
Without scrolling back, the person who said your parents should sell their house & give you a deposit for a house of whatever (like her dad did). This can be classed as deprivation of assets and if less than 7 years, you’ll still need to pay IHT on it.
YANBU but I think it’s just life and something we all need to be conscious of if we have assets. The state only funds basic care and some of the care homes aren’t great so if you want something nicer, you have to fund it yourself.

Stirabout · 12/04/2026 16:39

Allseeingallknowing · 12/04/2026 16:37

I think that would be a good idea! If you then don’t need it it goes to your estate. Trouble is not enough would do it, unless it’s compulsory eg NI raised to cover it.

To work it would have to be compulsory
or
we’re back to where we are now,

KmcK87 · 12/04/2026 16:40

Stirabout · 12/04/2026 16:33

Population wide insurance to fund social care

What about the people that wouldn’t pay that?

cloudtreecarpet · 12/04/2026 16:40

Needspaceforlego · 12/04/2026 16:30

It will come under the same rules as other care home patients.
You if you have the money to fund it.

I firmly believe all care should be part of the NHS. How many people end up bed blocking because a home can't be found for them, or arguments over funding?

If someone needs care they need it and it should be state funded.

But for it to be state funded for all we would need to pay much higher taxes which I don't think would be popular either.

With a rapidly growing older population potentially living longer it would cost tax payers an absolute fortune to have free care for all
And some people would get it free and then pass on large amounts of savings and property to their family when they died. That hardly seems fair either does it?

MyLuckyHelper · 12/04/2026 16:40

PartQualifiedAcca · 12/04/2026 15:04

A single person with no children on minimum wage can work 80 hours a week to get where they need to get to which is what we did in the 90s
Oh look, we appeared to have done a full circle

Giving the children the education to acquire assets means that they are then in a position to be able to exercise some choice over their care
It has to start somewhere

Sure, in the 90s you were working 80 hours a week. God knows why, house prices were far cheaper then, there’d have been no need to work that much if you had two adults in full time jobs.

im impressed you managed to find a second job that accommodated your first job and gave you time to sleep. What hours were you working?

PartQualifiedAcca · 12/04/2026 16:41

Allseeingallknowing · 12/04/2026 16:37

I think that would be a good idea! If you then don’t need it it goes to your estate. Trouble is not enough would do it, unless it’s compulsory eg NI raised to cover it.

Insurance is effectively gambling against yourself, there’s not going to be anything to return to your estate if it’s unused

MyLuckyHelper · 12/04/2026 16:41

Stirabout · 12/04/2026 16:37

But they have to prove you were aware you’d need care in a care home
hence deliberate deprivation of assets
Incredibly difficult to prove unless
You were suffering from something that suggested you might need care inthe future at the point of transferral. and. That you had the medical knowledge to appreciate that

Edited

Ah ok that’s not news to me then, I did know that part. I thought the other person was talking about general gifting of assets.

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