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Avoid care home fees by divorcing!

421 replies

champchomp · 25/01/2026 20:39

I know this sounds extreme but I’m thinking ahead. DH is a bit older than me and is having some health problems. We have no mortgage and he has a good pension and savings. I’ve seen instances where a spouse has entered a care home and the other one has struggled to pay the fees and had to sell up and use all the savings. Hypothetically speaking would divorcing and splitting assets protect some of the money and property. I know anything could happen between now and if my husband needs care but it worries me and we have children we would like to help financially if need be. I’d always be there for DH no matter what and visa versa. But financially does it make sense to financially separate/divorce if care is needed for either of us?

OP posts:
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Itsmetheflamingo · 26/01/2026 14:13

Gloriia · 26/01/2026 14:01

'the truth is, it’s very, very, hard to make money in care homes'

If you're a hca, true. Yet the owners all swan about in top of the range cars, kids in private school and own multiple properties so I think it is actually very easy to make money in care homes.

That’s not really what my post says. It’s not easy, it can be done but often the money comes from property, not the service

Happyjoe · 26/01/2026 14:14

Gloriia · 26/01/2026 14:01

'the truth is, it’s very, very, hard to make money in care homes'

If you're a hca, true. Yet the owners all swan about in top of the range cars, kids in private school and own multiple properties so I think it is actually very easy to make money in care homes.

Agree. Never seen a poor care home owner or a rich care home carer.

If there wasn't loads to be made (and the industry is worth billions in the UK) then they simply wouldn't be many and the gov would've had to run them all.

Ovalframes · 26/01/2026 14:14

nicepotoftea · 26/01/2026 12:49

This is abuse, not care.

None of this will get better if the nhs takes over.
I spent 3 days in hospital recently. Couldn't use my hands, not allowed out of bed except onto the commode and back again.
Didn't get hands or face washed once, no mouth care of any sort.
This seems to be normal now.
Friend's dad discharged from hospital to "nursing home" for palliative care.
Not washed for 2 weeks.
Meds not given
No mouth care.
Unable to eat.
Friend sent me a photo of his dad's mouth. I am not squeamish but I nearly threw up.
Friend was doing his best but was blue lighted to hospital with chest pain while all this was going on.
His dad died in that place.

CherryRipe1 · 26/01/2026 14:15

FriedFalafels · 25/01/2026 20:58

I believe that if a married couple jointly own a home and one requires a nursing home, the value of the home is disregarded in the financial assessment of the person needing the nursing home. Otherwise it could easily render the other spouse homeless

Having been through this with my parents. FriedFalafels is 100% correct.

Happyjoe · 26/01/2026 14:17

Ovalframes · 26/01/2026 14:14

None of this will get better if the nhs takes over.
I spent 3 days in hospital recently. Couldn't use my hands, not allowed out of bed except onto the commode and back again.
Didn't get hands or face washed once, no mouth care of any sort.
This seems to be normal now.
Friend's dad discharged from hospital to "nursing home" for palliative care.
Not washed for 2 weeks.
Meds not given
No mouth care.
Unable to eat.
Friend sent me a photo of his dad's mouth. I am not squeamish but I nearly threw up.
Friend was doing his best but was blue lighted to hospital with chest pain while all this was going on.
His dad died in that place.

To be honest, the NHS is more strict with the rules etc. Private sector seems to be able to get away scot free.

And to be honest, in my experience with 2 private care homes, it couldn't get much worse.

Sorry for your time in hospital and for your friends dad.. Did you not ask for some help to be cleaned for yourself?

Ovalframes · 26/01/2026 14:20

Happyjoe · 26/01/2026 14:17

To be honest, the NHS is more strict with the rules etc. Private sector seems to be able to get away scot free.

And to be honest, in my experience with 2 private care homes, it couldn't get much worse.

Sorry for your time in hospital and for your friends dad.. Did you not ask for some help to be cleaned for yourself?

I was really poorly. Could hardly move. Lines and wires everywhere.

Ovalframes · 26/01/2026 14:22

As soon as I could move a bit they told me my dh could wheel me into the shower.

AgnesX · 26/01/2026 14:24

maddiemookins16mum · 26/01/2026 13:05

Some of the richest people in the UK are those owning and running care homes. Yet my neighbour earns £13 an hour working in a care home. People would be better directing their rage at those people (the owners) than someone who may simply be terrified they’ll end up with nothing if their spouse ends up in a home.

The profits these companies are making is eye watering.

Itsmetheflamingo · 26/01/2026 14:26

Happyjoe · 26/01/2026 14:14

Agree. Never seen a poor care home owner or a rich care home carer.

If there wasn't loads to be made (and the industry is worth billions in the UK) then they simply wouldn't be many and the gov would've had to run them all.

This is the uks biggest care home chain’s most recent accounts:

https://www.hc-one.co.uk/CMSPages/GetAzureFile.aspx?path=~\hc1_live\media\misc-media\hc-one-topco-limited-2024.pdf&hash=f276985f0aeeaf0bdf83e460f7f47fb6dc169aa481afe27ae3d0f0139a3879e8

they make a consistent large loss.

I don’t disagree some care home owners appear personally rich. I am suspicious that they are short termist and focused on the assets not the sustainability of the business. I think when you do focus on this, it doesn’t work financially.

i suspect a lot of small portfolio care home providers are money laundering, putting dirty money into property

https://www.hc-one.co.uk/CMSPages/GetAzureFile.aspx?hash=f276985f0aeeaf0bdf83e460f7f47fb6dc169aa481afe27ae3d0f0139a3879e8&path=%7E%5Chc1_live%5Cmedia%5Cmisc-media%5Chc-one-topco-limited-2024.pdf

Crikeyalmighty · 26/01/2026 14:29

ThePure · 26/01/2026 13:59

Andrew Dillnott thought pretty much the same as you but successive UK governments have not acted on his very sensible recommendations https://assets.kingsfund.org.uk/f/256914/x/1af839e519/briefing_dilnot_commission_2011.pdf

I think a tax/ insurance scheme would be great but there’s always winners and losers. You have to remember that for all the strong views this generates the majority of people (70% or more) die without ever using or needing any care so you bet they would all be moaning about being taxed for nothing.

3 of my 4 grandparents died without needing any care one young and tragically but the others into their late 80s and frail but able to be cared for at home. My granny did live in a care home for a few years before she died in her late 90s with dementia. She paid with her savings and it was lovely and she was well cared for. My mum has also died young. For the majority of people we will likely be lucky enough not to need a care home.

Oh I agree but bet that 70% won’t be moaning if they got £130k inheritance rather than £8k etc - I know when we lived in Denmark and conditions were great for young families - £280 a month childcare, lots of good quality social housing and flats and not just for those with nothing - I used to think, bet the over 55s moan about their tax rates ( very high) but on talking to Danes at the office in that age group, they didn’t , because they too had the advantages of it and now their children and grandchildren were benefitting - I think the problem is here because our system has been so blatantly unfair for a long time, those that didn’t get the benefits if the system changed would begrudge those benefitting from a fairer system!

Allisnotlost1 · 26/01/2026 14:37

maddiemookins16mum · 26/01/2026 13:05

Some of the richest people in the UK are those owning and running care homes. Yet my neighbour earns £13 an hour working in a care home. People would be better directing their rage at those people (the owners) than someone who may simply be terrified they’ll end up with nothing if their spouse ends up in a home.

I agree to an extent but it’s possible to be angry at the cause and still think the OP is BU.

Crikeyalmighty · 26/01/2026 14:40

@MikeRafone yep that sector too , I honestly think despite initial outlays it would end up saving money and I would also add in although totally different kind of thing - company liquidations being done through private insolvency firms - been through this quite a lot of years ago - it’s amazing that when there is money to be realised/collected in - the liquidation nearly always ‘costs’ what they can realise ( that’s the practitioners charges I’m talking about , not money for creditors/HmRC etc - When we got our final summary statement they were charging out the junior officer admin at £125 an hour - there was very little to collect in or pay out, ( around 4 people including HMRC ) I was initially quoted £4700 - there was£12800 to collect in - guess what it ended up costing - yep £12,600 ( with no extra work than initially registered with them) but by that point the company isn’t yours so you have no comeback - There is so much corruption goes on under the guise of ‘business’ -

Happyjoe · 26/01/2026 14:48

Itsmetheflamingo · 26/01/2026 14:26

This is the uks biggest care home chain’s most recent accounts:

https://www.hc-one.co.uk/CMSPages/GetAzureFile.aspx?path=~\hc1_live\media\misc-media\hc-one-topco-limited-2024.pdf&hash=f276985f0aeeaf0bdf83e460f7f47fb6dc169aa481afe27ae3d0f0139a3879e8

they make a consistent large loss.

I don’t disagree some care home owners appear personally rich. I am suspicious that they are short termist and focused on the assets not the sustainability of the business. I think when you do focus on this, it doesn’t work financially.

i suspect a lot of small portfolio care home providers are money laundering, putting dirty money into property

I would have to look as to why. Because for profit nursing homes are charging the earth.

Happyjoe · 26/01/2026 14:48

Ovalframes · 26/01/2026 14:20

I was really poorly. Could hardly move. Lines and wires everywhere.

I hope all on the mend now, and no lasting troubles. Go easy x

Itsmetheflamingo · 26/01/2026 15:11

Happyjoe · 26/01/2026 14:48

I would have to look as to why. Because for profit nursing homes are charging the earth.

They do. But as you can see from the accounts, that for profit providers costs are extremely high- more than their revenue

countrygirl99 · 26/01/2026 15:20

The care home in our village closed because it wasn't profitable. Like many it was a converted big house that cost a fortune to heat and maintain. Four Seasons was just about the biggest care home provider when they went bust a few years ago.

GETTINGLIKEMYMOTHER · 26/01/2026 15:21

OnGoldenPond · 26/01/2026 12:31

So sorry you and your family had to deal with this. I know how heartbreaking it is. Try to hold on to the fact that it was the disease causing this and it wasn’t your lovely DF. All my sympathies go out to you Flowers

Thank, you - it was years ago now and he’s been gone for quite it a while, so I’m able to remember poor old FiL as he was before.

I have to admit, though, that when my DM started showing signs of dementia a few years later, there was absolutely no way I was doing it again. We supported her as best we could at home, until she was no longer safe to be left alone at all.

With FIL we had been blithely, utterly clueless about what dementia could mean in day to day practice.

Burntout01 · 26/01/2026 15:44

ByWarmShark · 26/01/2026 11:39

But your education, background, opportunities etc. all got you to the point of being the 10th person. In fact, no, don't get me started, it's not worth it. I'm also the 10th person, but I have no problem with paying my taxes. I do however get annoyed when pretty wealthy people try to wheedle out of care fees, inheritance tax etc. I benefit from living in the UK in a lot of ways, the UK has been kind to me from birth. If I'd been born in Cambodia I'm sure I'd pay less tax now, but that doesn't mean I wish that is what happened.

Edited

My Husband is the 10th person. Booted out of home at just under 16, horrendous childhood, and no opportunity to go to uni. Likely has ADHD like our Son.
I grew up on a council estate with significant social issues in my family. Absolutely no financial help from anyone.
Worked immensely hard and rose up in his company, took a massive financial risk to buy it out. Carried on working 60 hours per week , cared for his staff extremely well, put financial health of the business over our own family security at times. I now want us to, our family to benefit from these huge sacrifices he and by default we have made.
Always sensible, never reckless financially.
The government need to work out how to make the systems fairer for EVERYONE not just ‘the poor’.

DemonsandMosquitoes · 26/01/2026 16:11

caffelattetogo · 26/01/2026 12:47

Why don’t you care for him at home? Care homes are ok for people who have no one able to look after them, but I wouldn’t choose one for my relatives while I’m fit and able to care for them myself.

That’s not a life many people want for their adult children in the prime of their lives. Certainly not mine.

Crikeyalmighty · 26/01/2026 16:32

Happyjoe · 26/01/2026 14:48

I would have to look as to why. Because for profit nursing homes are charging the earth.

Very very easy for ‘any’ business to look as if they are making large losses, especially if owners taking huge salaries and dividends out of it , these losses can then be used against years they choose not to make a loss ( usually when they need to borrow or use as collateral) one thing business has taught me is that accounts often show what someone needs them to show that year.

pusskins06 · 26/01/2026 16:41

Burntout01 · 26/01/2026 15:44

My Husband is the 10th person. Booted out of home at just under 16, horrendous childhood, and no opportunity to go to uni. Likely has ADHD like our Son.
I grew up on a council estate with significant social issues in my family. Absolutely no financial help from anyone.
Worked immensely hard and rose up in his company, took a massive financial risk to buy it out. Carried on working 60 hours per week , cared for his staff extremely well, put financial health of the business over our own family security at times. I now want us to, our family to benefit from these huge sacrifices he and by default we have made.
Always sensible, never reckless financially.
The government need to work out how to make the systems fairer for EVERYONE not just ‘the poor’.

But you will benefit as a family because you will have choices in your care provision whether that be carers at home or residential care

Itsmetheflamingo · 26/01/2026 17:09

Crikeyalmighty · 26/01/2026 16:32

Very very easy for ‘any’ business to look as if they are making large losses, especially if owners taking huge salaries and dividends out of it , these losses can then be used against years they choose not to make a loss ( usually when they need to borrow or use as collateral) one thing business has taught me is that accounts often show what someone needs them to show that year.

That’s not what these accounts show- there is an operating loss.

it’s not easy for a business to look like it’s making a loss because there are accounting standards

ByWarmShark · 26/01/2026 17:11

Crikeyalmighty · 26/01/2026 16:32

Very very easy for ‘any’ business to look as if they are making large losses, especially if owners taking huge salaries and dividends out of it , these losses can then be used against years they choose not to make a loss ( usually when they need to borrow or use as collateral) one thing business has taught me is that accounts often show what someone needs them to show that year.

Isn't all this irrelevant? Whether or not it's fair to have to pay, doesn't change the fact that it's unfair to put that burden on the tax payer- someone still has to pay for it

Itsmetheflamingo · 26/01/2026 17:15

This is really interesting but incomplete- it doesn’t (I’ve skimmed a 69 page report 😭) seem to name any chains? It focuses heavily on four seasons, which I believe went bust.

thing is it’s easy to overestimate the size of the market - hc- one whose accounts I posted only have 275 homes, people like bupa 150. There can’t be that many private equity owned care businesses (hc one and bupa aren’t, for example)

so it’s quite hard to quantify what you refer to. And whilst I think it’s really interesting, it’s also obviously common to many businesses that private equity will own a stake.

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