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Old 19th May 2017, 19:17   #201 (permalink)
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Re: NHS & Social Care in Crisis!

The daughter wouldn't lose her home. currently they only count cash in the bank over £23,250.

Martin
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Old 19th May 2017, 20:55   #202 (permalink)
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Re: NHS & Social Care in Crisis!

Quote:
Originally Posted by yalimart View Post
The daughter wouldn't lose her home. currently they only count cash in the bank over £23,250.

Martin
Under current rules/laws you're right but, (re: my post on election thread) if the Tory's get their way & start counting All assets including the home, they will take every penny over the £100,000 they 'allow' to be kept....................

So this lady could well loose her Mum & then her home!
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Old 19th May 2017, 21:05   #203 (permalink)
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Re: NHS & Social Care in Crisis!

That's my point T. They are Tories and will bleed us all dry !

That's what they do.

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Old 19th May 2017, 21:17   #204 (permalink)
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Re: NHS & Social Care in Crisis!

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Originally Posted by yalimart View Post
That's my point T. They are Tories and will bleed us all dry !

That's what they do.

Martin
I know that Martin, I've never voted Tory........

A close friends husband was diagnosed with an aggressive form of Dementia about 5 years ago when he was just 59. He's been in a Nursing home for over 3 years now because his health deteriorated so quickly & badly, it's so heart breaking. These changes may well effect her as she's due to retire later this year, I cannot imagine how hard that scenario will be for her & so many people...... It was hard enough being forced to empty & sell Mum's home to pay for her care whilst she was alive....

I think we'll all need to look into Trust funds more closely........
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Old 19th May 2017, 21:49   #205 (permalink)
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Re: NHS & Social Care in Crisis!

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Originally Posted by bickern View Post
What is the current position Martin and what would be the position under Labour if they won, as in would the daughter still be up the creek?
Property is currently included in the financial assessment carried out by the local council

There is a system where people don’t have to sell their homes immediately to pay for their care. This is called the deferred payment system.

Do I have to sell my home to pay for care? | Age UK
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Old 19th May 2017, 21:53   #206 (permalink)
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Re: NHS & Social Care in Crisis!

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Originally Posted by esb1841 View Post
Property is currently included in the financial assessment carried out by the local council

There is a system where people don’t have to sell their homes immediately to pay for their care. This is called the deferred payment system.

Do I have to sell my home to pay for care? | Age UK
So does that mean that the person may have to sell the house now instead of deferring it, if so then she could be homeless now especially as the rate is so low.
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Old 19th May 2017, 21:54   #207 (permalink)
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Re: NHS & Social Care in Crisis!

Property is only included for residential care, care in the home has a cash limit of 23,250 home not included, vote the Tories in and it is

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Old 19th May 2017, 21:57   #208 (permalink)
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Re: NHS & Social Care in Crisis!

'Death tax' to fund care of elderly not ruled out by Gordon Brown
Gordon Brown has refused to rule out a compulsory 'death tax' to pay for the care of elderly people who can no longer look after themselves.


'Death tax' to fund care of elderly not ruled out by Gordon Brown - Telegraph

Seventeen million families could have to pay ‘death tax,’ Tories claim
More than 17 million families could pay ‘death taxes’ if the Government introduces an inheritance levy to fund elderly care, the Tories have claimed.


Seventeen million families could have to pay ?death tax,? Tories claim - Telegraph
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Old 19th May 2017, 22:08   #209 (permalink)
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Re: NHS & Social Care in Crisis!

Quote:
Originally Posted by bickern View Post
So does that mean that the person may have to sell the house now instead of deferring it, if so then she could be homeless now especially as the rate is so low.

In the case of the woman that was on LBC the property wouldn't be included in the financial assessment carried out by the local council

as she is disabled

Your home also won’t be counted if it’s still occupied by:

your partner or former partner, unless they are estranged from you
your estranged or divorced partner IF they are also a lone parent
a relative who is aged 60 or over
a child of yours aged under 18
a relative who is disabled.
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Old 19th May 2017, 22:12   #210 (permalink)
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Re: NHS & Social Care in Crisis!

Quote:
Originally Posted by esb1841 View Post
Property is currently included in the financial assessment carried out by the local council

There is a system where people don’t have to sell their homes immediately to pay for their care. This is called the deferred payment system.

Do I have to sell my home to pay for care? | Age UK
Sorry Esb that's not how it is currently. The above only applies, if the person is admitted full time into a Care or Nursing home. Currently; a person with savings of less than £23,000 approx, does Not pay for any care they receive at home, the value of their property isn't counted as it is where they live.

What happens in reality is when a person needs 'more care', they are not supported at home enough (too expensive) & they are encouraged, bullied into a residential/Nursing home. Then the Home becomes an asset & is included in 'assets'.

The money one would get from renting out the 'home' is usually not enough to cover the vast amount 'Homes' charge residents, coupled with 'charges' of the 'deferred payments' etc only prolongs & increases various costs & responsibilities for families, at a time they just cannot cope with the extra stress.

The changes the Tories are putting forward Would count the home as an asset & charges would be applied from the start of that person needing any care at home.

PS: sorry busy slowly typing, just seen other replies which in part cross-over with my post.
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