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Elderly parents

MIL care costs

138 replies

NoHaudinMaWheest · 08/01/2025 14:32

As the title says this is about paying care costs for my MIL.

I feel the need to give a fair bit of background in order for the situation to be understood and also to get things clear in my own mind. That will make it quite long so advance warning if you are short of time or capacity.

MIL is now 90. She was widowed 30+ years ago and has lived alone in her own owned home since. Until she was 79 she was pretty independent, driving, doing voluntary work, visiting friends etc.
She then had to have a fairly minor operation to remove a melanoma from her leg. She was assured that it was the type that doesn't spread systematically and that it had all been removed so once her leg had healed she could go back to normal. However she developed a severe reactive depression and stopped eating and drinking and caring for herself. She ended up very ill in hospital. After a period in acute and rehab hospitals she was discharged home, physically fine but still very depressed.
When FIL died she had taken out an insurance policy which would provide care at home and so that was used to hire a live-in carer to persuade her to eat, drink, wash etc. She had quite a lot of psychiatric input but never improved.
A few years later she had a fall which resulted in much reduced mobility. Since then she has lived in one room - bed and commode in the sitting room, just moving to the kitchen for some meals. She doesn't do anything -watch TV, read, knit, sew or engage in conversation. She just worries endlessly and repetitively about eg if the heating is working properly.
She has had the live in carers all this time funded by the insurance policy and her savings. About 5 years ago her savings ran out. BIL has POA and does all her financial stuff as well as managing the carers and practial stuff for the house though no hands on care. He managed to get social services to agree to some financial support and that was enough for things to continue until about 2 years ago.
At that point the care company massively increased their fees which meant that there was a considerable shortfall. Again BIL did the negotiations which meant some increase in SS contributions but there was still not enough so he decided that he and SIL and DH and I would top up - £125 a week for each couple (increased to £150 from this month).
He and DH are adamant that their mother should not go into a home. They feel that as they will ultimately inherit her house they will get their money back.
Some years ago (at least 15) MIL sold a field adjacent to her house. BIL had done quite a lot to negotiate with the council and developers so she got quite a good amount for it, some of which she gave to us and to BIL and SIL. DH and BIL feel that that means that it is only fair for them to fund MIL now.

MIL is not exactly healthy but she doesn't have any life threatening conditions and this situation could go on for many years. DH and I are both in our later 60s and both have disabilities which we manage independently now but may not be able to in the future. In addition we have two children in their 20s with disabilities which require additional support and limit their earning capacity.

I feel that although we may inherit there is no guarantee. If MIL was to require 2 to 1 or overnight care in the future she would have to go into residential care and the house be sold anyway. We are paying this out of income and even if we don't absolutely need it for day to day living now, we have good reason to want to save what we can as well as living reasonably comfortably now.

I really resent being given no choice about this funding. I am not sure that living in isolation like this is really in MIL's best interests. And all this is skewed but the fact that I have never really liked MIL - the feeling is entirely mutual.

DH is quite passive and happy to go along with what BIL says. We live a lot further away and have the DCs to be responsible for while BIL and SIL are a bit younger, in good health and don't have children.

I don't even know what the figures are and am not sure that DH does either. Nor do I know for certain what MIL's will contains.

Saying no would cause a huge family rift but it is what I really want to do.

Any advice welcome (if you have managed to get to the end of this screed).

OP posts:
fashionqueen0123 · 10/01/2025 21:11

NoHaudinMaWheest · 10/01/2025 19:35

TizerorFizz it is good to hear that your DM's last months were good in the care home.
MIL has always been a very negative person so it may be true as BIL and SIL seem to think that she wouldn't engage with anyone or any activities in a home. However she would have more stimulation and the opportunity to engage if she wanted. At the moment she is firmly stuck in a very deep rut.

It surely can not be worse than her living conditions now. I would come from the angle of we can’t possibly let your mother live like this anymore. We will all come to regret it. It’s not a life is it. It sounds like she is just existing. Your Bil should not let his mum be in a house where she can’t have a proper shower for goodness sakes.

Crikeyalmighty · 10/01/2025 21:48

@TizerorFizz I so agree - my FIL is85 and has just sold his house 200 miles away and bought a good sized bungalow 12 miles from us in a 'trendy ' town - due to exchange hopefully next week - he's still'all there' - intelligent, clean, fun , smart and we've had this chat already - he wants us to draw down and live in care at home or somewhere smart and sociable if he's got all his marbles ( as he put it) - it's bloody hard isn't it as it's weirdly depressing discussing it but kind of has to be done to do the best by them

Arran2024 · 10/01/2025 21:56

My father is 91 and up until 4 weeks ago was living at home with no help. Then he got admitted to hospital and it all went very wrong. Anyway, he has always been very solitary and a care home would be his idea of hell - being forced to socialise with others, taking part in activities....

He has never wanted friends and was happy entirely on his own when my mum died.

Not saying care homes aren't great for many people but not for everyone.

( As it happens my dad has his own room in an NHS continuous care centre and doesn't have to interact with anyone other than nurses).

TizerorFizz · 10/01/2025 22:35

What’s a continuous care centre? Nothing like that here. It was 7 awful weeks in a dreadful hospital, Then release and find a home!

People are not forced to join in anything! However the home had a bar which seemed to have men who enjoyed it and activities were all voluntary. All the rooms were bed sitting rooms with tvs and many people decked them out with their belongings and made them like a room at home. Residents could be as sociable or private as they liked. Nothing was forced. Not even dining with other residents. However most people think interaction with others is good snd shutting people out is shutting down on life.

NoBinturongsHereMate · 10/01/2025 23:01

Even without taking part in activities, a care home is more sociable and stimulating than being stuck in 1 room with a single carer. My dad didn't take part in the activity programmes apart from a few days out. But different carers and the tea lady popped into his room regularly through the day and had a little chat each time. And there were always people around in the kitchen, dining room and lounges - who he could talk to or not, but there was conversation and activity going on around him.

Miley1967 · 10/01/2025 23:07

If she hadn't given away large chunks of money to your dh and bil she could have been funding this herself all along.

NoBinturongsHereMate · 10/01/2025 23:07

a care home would be his idea of hell - being forced to socialise with others, taking part in activities....

There's no forced socialisation. If you want to close your door and have all meals in your room alone you can. But unlike being at home alone you have choices.

NoHaudinMaWheest · 10/01/2025 23:57

Miley she has been funding herself until recently, totally at first and then with some support from SS.
When she gave that money she was fit and independent. She also had taken out an insurance policy for care costs and had still had a substantial amount of capital so thought she was covered for any future care costs. No one could have foreseen how long this situation would go on for. The average life expectancy for care home residents of the age she was then is about 5.5 years. She has been in this situation for over 11.
For what it is worth, I was not keen on taking the money but it was not my decision to make.

OP posts:
TizerorFizz · 11/01/2025 00:03

Lots of people give money away. If her money is in her house, she needs to access it and maybe that’s what she thought years ago. She had enough for what she thought she needed. I think the other big issue is living at home though which is not satisfactory!

NoHaudinMaWheest · 11/01/2025 00:36

TizerorFizz yes you are right. Starting this thread has brought MIL's living conditions more sharply into focus. I think taking that as my starting point with DH will get me a lot further than discussions about money.
I have a horrendous cold at the moment but that is next week's project when I am hopefully feeling more up to it.

OP posts:
NoHaudinMaWheest · 14/01/2025 17:17

So an update. I tried to talk to DH about things. He and BIL are convinced that MIL will not cope in a home based on her experience in a rehab unit 11 years ago! Not really open to any discussion on that. I despair.
Turns out DH does know the financial figures (in essence anyway) he just hasn't chosen to share them with me. I have pointed out the drawbacks for us and the DCs of such an open ended commitment but not really got much response. He does like to let such things percolate so there may be some come back later.
He knows the will is an even split between him and BIL.
Doesn't know for sure if BIL has H&W POA or even if he is the only one with POA. Believes MIL has capacity though I think that has to be assessed for each decision?
Looks as if I may be stuck with this situation indefinitely.

OP posts:
TizerorFizz · 14/01/2025 19:50

@NoHaudinMaWheest I feel rather upset for you. Obviously his DM matters but not above the needs of your DC. He’s obviously kept some info to himself which is also unfair in the circumstances. Not sure what else to say except keep chipping away at him!

NoHaudinMaWheest · 15/01/2025 08:51

Thanks TizerorFizz.

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