Elderly parents or relatives to care for and/or worry about? This is the place for you.
145 watchers
21 Nov
10:05am, 21 Nov 2024
23,813 posts
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Dave W
I thought that the social care cap had been shelved.
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21 Nov
10:10am, 21 Nov 2024
4,227 posts
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cackleberry
She is basically very depressed, has been most of her life, we lived through what I have since called 'The Prozac Years' and more appropriate help would probably be useful. But she wouldn't remember to take tablets without the carers or one of us calling in every time she needed one. A little while ago, she developed a rash which had the potential to become cancerous and she was prescribed a cream to apply three times a day. She refused to do it. I rang her each morning, brother rang or visited each evening and the carers were in of an afternoon. She point blank refused to do it until the carers insisted on physically applying it themselves. (This of course meant a consultation between the team lead and my brother to have it put on the list of tasks and still requires mum to give consent each time, despite having the Alzheimers diagnosis before the carers can physically handle her.) |
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21 Nov
10:10am, 21 Nov 2024
4,228 posts
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cackleberry
Dave W wrote: I thought that the social care cap had been shelved. Until Oct 2025. |
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21 Nov
10:10am, 21 Nov 2024
4,229 posts
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cackleberry
I was up til midnight last night googling.
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21 Nov
10:16am, 21 Nov 2024
71,128 posts
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LindsD
I agree w McG. Don't sound like a terrible person at all.
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21 Nov
10:37am, 21 Nov 2024
4,567 posts
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jabberknit
We had to sell Mum's house to pay for her care home, a private one near me. We had to choose it more or less at random because it was in the middle of the pandemic, so we couldn't go and check places out, and it was OK. If we'd rented her house out, a small semi on the outskirts of Bradford wouldn't have brought in anywhere near enough to cover the fees. The house money along with her savings and pensions paid for her care for 3 years. When her money got down to around £25,000, we had to apply to the Council for funding, a painfully bureaucratic process. They would only pay so much though, and we had a big tussle between us, the private Home and the Council over how to cover the difference. We also applied for NHS support, but that is practically impossible to get - despite her dementia, double incontinence, inability to look after or even move herself in any way, she didn't qualify, as none of that needs actual 'nursing' care! We (Mr JK and I) did look into paying the extra, but it was a big commitment when we had no idea how long my Mum would live. We ended up having to move her into a different home that the Council funding would afford (and it turned out to be a fabulous place, wish we'd known about it when Mum first moved into care!). She was failing by that time though and only lasted a couple more months. If she'd known, Mum would have been horrified that the house and just about all her money went on her care as she'd wanted to leave it all to me, but I'm fine with what happened. It got her the care she needed at the end of her life and lasted just long enough. With an ageing population, care for the elderly is going to be an ongoing issue for us all for a long time to come and I can't see any easy solutions. |
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21 Nov
10:57am, 21 Nov 2024
23,819 posts
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Dave W
Sorry to be the bearer of sad tidings @cackleberry but the cap was removed completely. The decision to cancel the cap on social care costs, announced by Rachel Reeves on 29 July, is a case of a government abandoning a policy it never loved and to which it was never really committed. So for the incoming government, with an apparent £22 billion financial black hole to fill, the decision to jettison the policy’s initial £1 billion cost in 2025/26 cannot have taken long to reach. |
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21 Nov
11:39am, 21 Nov 2024
4,230 posts
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cackleberry
All the websites need updating then. (not arguing with you Dave W!) The Age UK one went into great detail about it. It wouldn't help us anyway. |
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21 Nov
11:48am, 21 Nov 2024
23,822 posts
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Dave W
There are a lot of websites harking back to the old policy, I have to agree. But... Chancellor Rachel Reeves announced today that the adult social care charging reforms, due to be implemented in October 2025, would be cancelled, saving £1.1bn by the end of 2025-26. This is despite the Labour Party indicating it would implement the reforms during the election campaign. 29 Jul 2024 |
21 Nov
12:17pm, 21 Nov 2024
2,237 posts
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poppyH
We are currently in the process of sorting council funded care for my Aunt, 73y with dementia. Her savings have dropped to the threshold, she has been in the home for nearly 3y and has a £400k property with tenants in. The fees are approx 6200 per month but less if council funded. Our options were: 1. Sell the property and use capital for care fees until below threshold, but we'd just agreed a new lease so can't terminate this for another 9 months. 2. Deferred funding from the council - they pay a proportion of the fees, and put a legal charge on the property so that when it's sold their costs are refunded from the sale proceeds. Likely on her death but we could sell earlier I think. Surrey CC been a bit of a headache but all agreed now. 3. Care annuity. Essentially an insurance product that you buy and it pays out to cover care costs. An option to purchase with proceeds from house. We spoke with a really excellent financial advisor about this, who did costings for us. All advisers should offer 30-40 mins free advice, and well worth it. Due to my Aunts young age (and therfore potential long duration of the annuity) this wasn't viable for us despite her good physical health. If her property was worth more or she'd been 10y older this would be the better/least hassle option. It's been a total ball ache getting it sorted. And we're still left managing tenants and a property... You can get several free advice sessions by using different financial advisors, so the first one we spoke with gave more general advice. Then when we spoke with the second we had more specific questions. Search SOLLA financial advisors. |
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