Elderly parents or relatives to care for and/or worry about? This is the place for you.
146 watchers
22 Jan
10:12pm, 22 Jan 2025
4,450 posts
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Big_G
Sorry to hear that LG. Was the bill totally unexpected? Dad’s care at home was about £3K a month, but he was paying as he went so no massive bill at the end. But 3 years at that and the amount soon builds up…. £3K is a chunk of cash a month, but when you work it out as an hourly rate it’s surprising how it goes. Dad was having around 2.5hrs a day, double handed as he needed two people, so 5hrs a day. 150hrs a month is £20/hr each. We didn’t have to look at care homes at all, so I’m not sure how that compares to a care home. This is the argument I had with Dad many times when he said he didn’t want to pay it and that he didn’t need the carers (he did, as he couldn’t do anything for himself) - being blunt, he either had to pay it as he went along, or I would pay it out of the estate at the end. A lot of arguments about it I had with him about, but in my own mind it was as broad as it was long. |
22 Jan
10:23pm, 22 Jan 2025
79,734 posts
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LipGloss
We knew that south glos was still looking after him - I’m not really sure of all the ins and outs as my sister was dealing with it. I’m sure we had the care home bill and it was really reasonable so just not sure where the rest is coming from . I’m sure it’s right but I do think we are all shocked.
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22 Jan
10:52pm, 22 Jan 2025
18,380 posts
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jdawayinamanger
If that's not the care home bill it certainly sounds like a lot! FiL was 7k per month but we (he!) paid as he went along and it was only about 3-4 months anyway so not a huge hit but you can see how it could mount up.
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22 Jan
10:58pm, 22 Jan 2025
79,735 posts
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LipGloss
Dad was in the home a week short of 2 years. I'm sure it will all be revealed in the coming weeks. Just as well he had money.
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22 Jan
11:16pm, 22 Jan 2025
25,590 posts
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3M
That's a bit eye watering, LG. I'd definitely be asking for the very full accounting. On a similar note, IWCC have just asked for the care costs for the last month of Mum's use of their services. It exceeds the value of her "liquid" assets by quite some way, but nothing like that figure! So they're going to have to wait a while, until we have Probate granted and property sold. @HappyG(rrr), my Mum's "funeral plan" policy turned out to be a "Whole of Life" policy with LV. Basically paid up in 2018, but the value paid out didn't change after that final payment. It would have been enough for a funeral in 2018, too. Pretty shrewd of them to guesstimate that she'd live longer and they'd have the use of the funds to make a decent profit over and above the actual policy costs. Insurance companies, eh? 😉 |
23 Jan
9:01am, 23 Jan 2025
51,820 posts
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HappyG(rrr)
3M wrote: That's a bit eye watering, LG. I'd definitely be asking for the very full accounting. On a similar note, IWCC have just asked for the care costs for the last month of Mum's use of their services. It exceeds the value of her "liquid" assets by quite some way, but nothing like that figure! So they're going to have to wait a while, until we have Probate granted and property sold. @HappyG(rrr), my Mum's "funeral plan" policy turned out to be a "Whole of Life" policy with LV. Basically paid up in 2018, but the value paid out didn't change after that final payment. It would have been enough for a funeral in 2018, too. Pretty shrewd of them to guesstimate that she'd live longer and they'd have the use of the funds to make a decent profit over and above the actual policy costs. Insurance companies, eh? 😉 But she did stop paying? And the fund was there and available to pay for the funeral. My mum has paid 5K into a policy that pays our 3K and if sh stops paying now she gets zero. If she lives another eg 5 years, she'll have paid another 3K so a total of 8K. Which will still payout 3K. I can't see how it is legal. LG, that's a real blow. Hope somehow it comes down a bit. |
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23 Jan
9:07am, 23 Jan 2025
4,451 posts
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Big_G
3M, it is fine waiting for probate to pay it. I think councils expect that to be the case, or at least my council did as they said that in the letter I got about Dad’s final care costs.
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23 Jan
11:29am, 23 Jan 2025
5,834 posts
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icemaiden
Watch out for interest being slapped onto outstanding care fees. Read your small print.
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23 Jan
5:38pm, 23 Jan 2025
3,643 posts
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No.12
As an update on the "wrongly authorised" funeral for my FiL: despite my SiLs email explaining his plan was all paid up when he reached 90 (thats why the company stopped the DD, as per Ts & Cs), they have ignored the information and sent a bill £4.2k too high. Lets see what SiLs protestations bring tomorrow. This is a major cock-up on their part and causing much anxiety to my SiL. (OH is unaware as its harder, her being the one that looked after him, so we are waiting a bit longer to see if the problem goes away)
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24 Jan
6:54am, 24 Jan 2025
7,797 posts
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Little Miss Happy
I hope that your SiL can stand her ground and refuse to pay the extra No.12. Not easy at such a stressful time.
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