The Retirement Thread

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Dibble
Dibble
May 2022
12:29pm, 12 May 2022
914 posts
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Dibble
I don't know whether they are still available but when my father in law moved into a care home we purchased a lifetime care contract. In return for a lump sum upfront it guaranteed to pay his fees as long as he lived and hence my wife's residual inheritance amount was guaranteed. The care home also benefits as they know their fees will be paid.

In fact as it turned out he died just before the 2 years 'breakeven' assumed in the contract so the transaction resulted in a small loss, but we don't regret doing it.
Rosehip
Rosehip
May 2022
12:32pm, 12 May 2022
25,189 posts
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Rosehip
Goodness, what an odd reaction!

The issues with aging parentals are very much a retirement topic - for those of us lucky enough to still have them.

We’re about halfway between our mothers at the moment, much as we want to retire to somewhere north it would be difficult to be further than an hour or so away from either.
Rosehip
Rosehip
May 2022
12:36pm, 12 May 2022
25,190 posts
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Rosehip
I don't know whether they are still available but when my father in law moved into a care home we purchased a lifetime care contract. In return for a lump sum upfront it guaranteed to pay his fees as long as he lived and hence my wife's residual inheritance amount was guaranteed. The care home also benefits as they know their fees will be paid. In fact as it turned out he died just before the 2 years 'breakeven' assumed in the contract so the transaction resulted in a small loss, but we don't regret doing it.


I think L&G at least still do them, we were in the process of investigating for dad when it became apparent it wouldn’t be worthwhile
McGoohan
McGoohan
May 2022
12:44pm, 12 May 2022
51,354 posts
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McGoohan
To be honest, we got a similar(ish) reaction/threat from Liebling's mum.

Though it was more, 'I know my children will never move away from this area' emotional blackmail type thing.
Fields
Fields
May 2022
12:51pm, 12 May 2022
4,489 posts
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Fields
My mum used to complain that she didn’t see her grandchildren enough but seemed to misunderstand she was the one that had moved further away!
macca 53
macca 53
May 2022
12:52pm, 12 May 2022
29,918 posts
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macca 53
There’s probably a Groucho Marx quote in hiding for that kind of “friend” McG
EvilPixie
EvilPixie
May 2022
12:55pm, 12 May 2022
32,553 posts
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EvilPixie
mum never speaks to people or sees them but then doesn't make an effort either
we've lived in midlands for 18 yrs .... they popped in when we first moved up as they came to Hull for my graduation and never again.
Gnome was at Oxford for 4 yrs and now southend .... again she never saw him
Velociraptor
Velociraptor
May 2022
1:01pm, 12 May 2022
57,984 posts
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Velociraptor
My mother told me that the care co-ordinator had said she was the first old person she'd ever encountered who didn't have family living locally. She can be a manipulative old rascal when it suits her. As eL Bee! said last time we visited, it is SUCH a relief to see her being difficult again.
EvilPixie
EvilPixie
May 2022
1:02pm, 12 May 2022
32,554 posts
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EvilPixie
it's a sign of good health!
Velociraptor
Velociraptor
May 2022
1:06pm, 12 May 2022
57,985 posts
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Velociraptor
And a sign that she still has all her marbles, which was a concern when she first came out of hospital last year and was a little confused old lady fretting over and over again about the pills in her blister packs.

About This Thread

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