GLASGOWOODS Posted October 19, 2013 Share Posted October 19, 2013 Another good post. Also, if you go on holiday it doesnt three people to take you to the loo, another 3 to give you a bath, and another to feed you. if you want to go to the pool you can go, not need a couple of people to take you. However, you will also get homes charging over the odds not because they offer these things but because they can. When you or your elderly relative are about to get kicked out of hospital you end up in these places. Thanks tinfoilhat. Private homes can charge whatever they want. I know a owner (he's a millionaire) Caring for someone is expensive. Prisoners...Over £30,000 per year. OAPs in care homes over £30,000 per year. Now here's where things get real expensive.Care in the community! An example... A young man with an Autistic Spectrum Disorder living in his own home. His care plan includes 24/7 support. The cost...Lets start at around £70,000 per year. Care is truly expensive... Link to comment Share on other sites More sharing options...
poison_pen Posted October 19, 2013 Share Posted October 19, 2013 Oh dear, you might want to take a look at this. http://www.mindatrest.co.uk/blog/what-is-deliberate-deprivation ---------- Post added 19-10-2013 at 13:50 ---------- My link may help ---------- Post added 19-10-2013 at 13:54 ---------- The problem is the Local Authorities can go back as far as they want, especially once they discover that you did ONCE have property. have already read it the fact of the matter is that the house now belongs to my offspring AND ALL MONEY IS IN TRUST FOR THEM THEY CAN`T TOUCH IT I HAVE HAD A SOLICITOR LOCK IT UP SO TIGHT IT SQUEAKS AND THAT WAS 2 YEARS AGO Link to comment Share on other sites More sharing options...
poppet2 Posted October 19, 2013 Author Share Posted October 19, 2013 have already read it the fact of the matter is that the house now belongs to my offspring AND ALL MONEY IS IN TRUST FOR THEM THEY CAN`T TOUCH IT I HAVE HAD A SOLICITOR LOCK IT UP SO TIGHT IT SQUEAKS AND THAT WAS 2 YEARS AGO I should imagine the longer you leave it until the day comes when you end up in a care home, the better. Sounds as if you have a good solicitor there. Link to comment Share on other sites More sharing options...
poison_pen Posted October 19, 2013 Share Posted October 19, 2013 i should imagine the longer you leave it until the day comes when you end up in a care home, the better. Sounds as if you have a good solicitor there. i had been thinking about it for a while and when i paid of the house and bought the land it was just an off cuff remark and he told me that if i signed over the house and placed it in there name and all monies to be held in a trust fund the state can`t touch it so bingo bango it s tighter than a ducks bum now and safe guards my childrens future Link to comment Share on other sites More sharing options...
tinfoilhat Posted October 19, 2013 Share Posted October 19, 2013 i had been thinking about it for a while and when i paid of the house and bought the land it was just an off cuff remark and he told me that if i signed over the house and placed it in there name and all monies to be held in a trust fund the state can`t touch it so bingo bango it s tighter than a ducks bum now and safe guards my childrens future That's fine NOW. They might change the rules. In some councils saving bonds and life assurance policies don't count, in others they do count. Link to comment Share on other sites More sharing options...
poison_pen Posted October 19, 2013 Share Posted October 19, 2013 That's fine NOW. They might change the rules. In some councils saving bonds and life assurance policies don't count, in others they do count. Well they can`t take what is now legally theres Link to comment Share on other sites More sharing options...
ccit Posted October 19, 2013 Share Posted October 19, 2013 The Daily Mail today has an article on the front page about this very thing. The fact that the LA can look into personal finances is nothing new. Within that article, there is a comment that they would be less likely to pursue this if it was handed over more than 2 years before the person goes into care. There could be other reasons why a property is given away and most people don't require care anyway. What I said before still stands - the LA have to prove that you gave away your property specifically to avoid care fees. The local authorities in this country are understaffed and overwhelmed with many issues that are far more pressing than this e.g. child protection, disabled persons, immigrants. It is unlikely that they would throw money away on legal representation with no real hope of recouping the money. Indeed, if the money is spent it is futile anyway. What are they going to do - send the person to prison instead of a care home? However, it is still a risk that people who go down this road have to bear. Families are notorious for falling out over money and I for one would not wish to lose my home under any circumstances. Age Concern and many legal people actually advise against signing properties over and I totally agree with this. As poison_pen has done, the use of a property trust is another consideration but it is more complex than signing a property over. Having spoken to a specialist solicitor recently about property trusts I was told that she could not guarantee that it would work, even after a period of time. If the LA is really strapped for cash and wish to pursue it, they could. The problem of funding elderly people is going to escalate, which will no doubt lead to them doing all they can to meet the shortfall. Of the two options, the property trust option seems to be the one that is most likely to be seen as avoidance of care home fees unless the family could legitimately claim that it was done for inheritance tax reasons or some such thing. Following this advice and having considered the matter I don't think that poison_pen and anyone else who goes down this road can really sit back and feel that they have won their case. See here If it finds that you have set up the scheme deliberately to deprive yourself of assets to pay for care, your home will be included in the means-testing equation anyway, and the thousands of pounds that you have paid to set up the trust will have been wasted. This could be the next mis selling scandal. Link to comment Share on other sites More sharing options...
poppet2 Posted October 19, 2013 Author Share Posted October 19, 2013 What are they going to do - send the person to prison instead of a care home? No, they will just make them pay 100% of their state pension towards the care costs. Link to comment Share on other sites More sharing options...
ccit Posted October 19, 2013 Share Posted October 19, 2013 Well, that is no problem because when people are in care homes, everything is provided anyway. I have a friend in one and she doesn't spend a penny other than her daily newspaper. Link to comment Share on other sites More sharing options...
poison_pen Posted October 19, 2013 Share Posted October 19, 2013 No, they will just make them pay 100% of their state pension towards the care costs. Are they still entitled to a pension if living in a care home Link to comment Share on other sites More sharing options...
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