Thursday, March 24, 2005, 10:58:44 PM, Veronica Caley wrote: VC> On another related note, there was a recent case of an older gentlemen VC> whose wife was in a nursing home. He had spent down their estate to ha= lf. VC> At that time he asked Medicaid to take over so that he would have money= for VC> a decent existence. The case ultimately went to the Supreme Court which VC> ruled that he had to spend all of it on the nursing care of his wife. = So, VC> one gets very infirm and the other is pauperized. It's similar here: I could have ended up homeless. Luckily the Cardiff Social Services people were prepared to set this house (it was my mother's) against costs without trying to recoup them so long as I lived here, and also promised me that whatever happened my mother could stay in the nursing home we chose. (And the Welsh Assembly paid =A3100 a week towards the costs.) Still, it can be rough. There's an Ombudsman's ruling that will mean more people who have to go into nursing homes will get the fees paid by local councils (if they have to go there for medical reasons, then the fees should be paid), so things will get better. VC> I think most middle class people in this country who have saved all the= ir VC> lives to have a decent existence in their old age are not aware of how VC> close they are to being impoverished. Sometimes I think the 'spend it = as VC> fast as you get it' crowd might have been psychic or just smarter. The people over the road gave (sold?!) their house to their children (but share it with them) and intend having less than the threshold amount so the state *has* to pay for them. I'm a bit risk averse (but also haven't much money...), ? VC> Nursing VC> home insurance for people of our age is out of the question. It's very VC> expensive, doesn't cover until after the first ninety days and I don't VC> trust them. If the burden gets too big, they will declare bankruptcy. Ah. It's expensive here but is apparently safer Some people here have used Dignitas. Living wills have common law force -- and I can't see any government going backwards on that -- but they and the case law don't cover every eventuality. --=20 mailto:judithevans001@xxxxxxxxxxxxxx ------------------------------------------------------------------ To change your Lit-Ideas settings (subscribe/unsub, vacation on/off, digest on/off), visit www.andreas.com/faq-lit-ideas.html