Do you think its right the Elderly may have to pay for their old age care ?

[astr0144]

Yes as far as I know ArMap.... the S.S can pay towards some things and in certain situations some patients with more serious issues can get whats known as "Continual health care funding"....There may well have been other S.S changes in relation to the E.U, IMF etc that has altered things...But I know little of this in any detail without doing some research..and what changes know may be made are done if it is to ones disadvantage unfortunately..

In Portugal, people that paid their social security for at least 20 years are entitled to have some expenses paid by the social security. I don't know if the bailout agreement with the EU, IMF and the ECB changed some of that

I appreciate your comments Matrix, and that it may not just be me thinking this !

I would like to have someone in authority who also believes this that really questioned such a thing and attempted to prove to the public that Government has been deceiving the public on this and proved the statistics of what people pay in  to what they get back on average..

I have to question what the "Members of Parliament or councilors"are doing and why they are not challenging it..

There has been something mentioned that they may change this in 2017 so that no house owner has to sell ones property to pay for ones care...

But anyone presently having to pay say £25,000 a year for their care  now, who has a property worth say £100,000 and has to sell their home this year or put it on what they call "deputyship" (like a deferment) that the Gov will only make you sell a property to pay for ones care upon the persons death..

but by 2017 in 4 years... the value of the property will be paid up..

I am not sure if anything like this has occurred on and off in the past ,dependent upon economic or social conditions...

if it has , then they move the goal post as they choose...which they can easily do to maybe hide or disguise what their longer term aims are..as no doubt eventually they may be able to eventually get people to pay or have to sell their assets at some time in the families future..

Your 100% correct there Astr0

Some gov. are... more than others..

[The Matrix Traveller]

Here is Proof, regarding what you have said astr0, about shifting the goal posts...   


http://gordoncampbell.scoop.co.nz/2011/10/28/gordon-campbell-on-labour-plans-to-raise-the-retirement-age/

[rdunk]

Just think of all the problems solved if We get rid of money.  No One HAVING TO PAY.  BEST care for ALL.

Ah well.  For now, We struggle with these problems.

Over the many months here, I believe you have told us many times you have "gotten rid of your money" and do not work any more! How are you liking it?? Life without money?? 

I don't have much money, but, I do manage to get along! So, I think I do like money, as I do still have "essentials" to buy, like food!!

[robomont]

yes here in the states .we have trust.if you know trouble is coming then sell the house for ten dollars to the children.but a trust will work most times too.the best way to get a trust if you cant afford a lawyer is go to the county seat and look up trust.find rich powerful people and get a copy of theirs.then replace all the info with yours and pay the clerk fee.the rich hire smart poweful lawyers to right up theirs so you know they are rock solid trust.thats what i did with my deed.i filed my own on my place.i just coppied my rich neighbors.lol

[astr0144]

Yes Matrix,

That is a similar or a typical example of how they often go about doing changes, slowly / subtly....to get the public to gradually accept it..

Initially I was thinking that it was only the UK that were changing the retirement age....Now it seems Worldwide...

The Controllers determine what they want and their followers who work for them put it into reality...for the public to eventually  accept...

[Amaterasu]

Over the many months here, I believe you have told us many times you have "gotten rid of your money" and do not work any more! How are you liking it?? Life without money?? 

WHAT?!?  Um...  No...  I have said I LOST everything when I went homeless and CANNOT FIND a job.  BIG difference.  If I could order what I wanted on the web and have it delivered, I be loving it to pieces.  Without money in a world that still accounts for energy, requiring Human energy input to survive...yeah.  It's not the greatest, mkay.

I don't have much money, but, I do manage to get along! So, I think I do like money, as I do still have "essentials" to buy, like food!!

Uh, yeah, in the present system, yeah.  When money is no longer NEEDED, You and I and everyOne else will go to the web and order what We want.  No exchange, no money, no barter, no trade, no electronic funds, no banks, nada.

[astr0144]

Thanks for refining the explanation to the  link what Sky posted with ref to the "Trust"...

I am not sure if this may also apply outside the USA or not...or if it is valid in the UK if it may now have been too late due to the situations that may have occurred to this person since as its rather a complex case...

But Kudus to you Robo for what seems a clever move from you...
You must have a few good Rich connections who were willing to assist and advise....at least you have covered yourself and will have peace of mind...

I will inform the relatives to see if they may be able to do similar if its not too late !   

yes here in the states .we have trust.if you know trouble is coming then sell the house for ten dollars to the children.but a trust will work most times too.the best way to get a trust if you cant afford a lawyer is go to the county seat and look up trust.find rich powerful people and get a copy of theirs.then replace all the info with yours and pay the clerk fee.the rich hire smart poweful lawyers to right up theirs so you know they are rock solid trust.thats what i did with my deed.i filed my own on my place.i just coppied my rich neighbors.lol

[sky otter]

boy that robo gets around.. good advice robo

astro i came back to explain but the post went somewhere else..so big thanks to robo
and good luck

[rdunk]

Well, in the U.S.A., Medicare is the government health insurance program for the elderly- age 65 +. During working years there is a payroll tax that goes toward funding for that care. At the age of 65, people do become elegible for Medicare, with some exceptions, relative to other existing insurance, such as corporate and etc.

But, Medicare insurance coverage does not mean "free care". Under basic Medicare, there is coverage for hospital charges which is "Part A", medical charges which is "Part B", and prescription charges, which is "Part" D".

Two facts on Medicare - Medicare coverage for medical only pays 80% of "approved" charges, plus Both Part A and Part B have "deductables".

Parts A & B cost my wife and I $2,400.00 per year.

Part D costs  my wife and I         $960.00 9er year (and this coverage is pretty pathetic, because of much co-pay)

For the 20% remaining balance owed, after Medicare pays its 80% bills, WE must pay those balances. So, for that, we choose to buy what is readily available from private insurers - a Medicare Part B supplement, for which there are several plans with varying degrees of coverage. We pay for a private plan that pays 100% of the remaining 20%. plus it pays all deductibles.

Part B Supplement costs my wife and I $5,100.00 per year (goes up every year).

So, we do pay about $8,400 this year for our health insurance, and that is in addition to the monies paid in to Uncle Sam for many of my working years!!

Yes, with significant cost to us, it is nice to know that all Medicare approved hospital and medical bills are paid, with our supplement, at 100%!!


And relative to the "house" problem in the OP, in Texas a married couple's house (and other) is commuity property. So, even without a will, half of the homestead belongs to the surviving spouse anyway.

[burntheships]

Hi Astro,

Just a few tips here, I dont have any links per say...
however, as I understand this conundrum, there are ways
to protect some of the assests of the person in need of care,
and perhaps even a residence.

The important aspects are 1) timeline of money transfer
and 2) monetary limits.

I would urge you to contact someone in your area for a
consultation, many planners offer free consults.

There is a way, I hear it on the radio on Sundays,
I wish i had a link, will try to find one.

[sky otter]

astro
if you die without a will it is called intrestate..
do a search for intrestate in the uk for more info
below i found two  for a start

in the state i live in if there is a surviving spouse and children the spouse is entitled to 1/3 and the children to 2/3 of the estate and you can file to control what happens
so perhaps you will be in luck and the children of this man can do something yet

hope this helps




http://www.theprobatedepartment.co.uk/rules-of-intestacy/
Rules of Intestacy - The Probate Department Ltd
www.theprobatedepartment.co.uk/rules-of-intestacy/?
The Rules of Intestacy apply where no valid Last Will and Testament is found, and they have some SHOCKING effects on many. How would they affect you?


http://www.hmrc.gov.uk/cto/customerguide/page14-1.htm
The rules of intestacy - HM Revenue & Customs
www.hmrc.gov.uk/cto/customerguide/page14-1.htm?
Customer guidance on what happens to an estate where the deceased did not make a will.

[The Matrix Traveller]

Yes Matrix,

That is a similar or a typical example of how they often go about doing changes, slowly / subtly....to get the public to gradually accept it..

Initially I was thinking that it was only the UK that were changing the retirement age....Now it seems Worldwide...

The Controllers determine what they want and their followers who work for them put it into reality...for the public to eventually  accept...

It is "World Gov." which delivers Policies to "secondary gov." in each country to introduce,
by whatever party is in power at the time.

So really different gov. (Secondary gov.) in different countries are really only "public relations officers"
usually elected by the citizens, or in some cases groups or families who are caretakers of those regions at the time.

This is why we see countries delivering the same or similar policies right across the Earth..   

[astr0144]

That was informative of the USA medicare system and how it works and your own situation Rdunk...It is good to have some idea and comparision...

Thank you for the comments and suggestions BTS...I will consider what you suggest...

And "Sky" I am sorry if your post was lost..I know how frustrating that can be if you may had wrote a long one only to see it not arrive on the thread...Its happened to me a few times...

Those other links could be very useful..Big Thank you !

Matrix....Thanks for explaining How the World / Governments work...
Its good to have that understanding of what really goes on and how its organized by them...

[robomont]

yea i forgot rdunks in texas.no i dont have rich friends that i know of.just caught on to their way of thinking.the problem with distribution of wealth is hard if you have to go through probate .kids usually fight over stupid stuff.plus all the lawyer and court fees.better to get a will.the county courts should have copies of solid ones of them too.sometimes clerks complain that its personal info even though its public record.i just tell them to black out that stuff.that puts there mind at ease.

[sky otter]

ah from one of those links

http://www.hmrc.gov.uk/cto/customerguide/page14-1.htm

HMRC Inheritance Tax: Customer GuideYou have selected the following

•The estate is in England & Wales
•There is a surviving spouse or civil partner
•There are children or remoter issue of the deceased
If this is not correct return to page 14 of the Customer Guide

If this is correct, the estate passes as follows

•The surviving spouse or civil partner receives the chattels, a statutory legacy of £250,000 (£125,000 if the death was before 1 February 2009) and a life interest in half of the residue.
•The children receive the other half of the residue in equal shares. If any of the deceased's children have died leaving issue, then the issue will receive their parents' share per stirpes.
Note - If the estate is less than £250,000 (£125,000 if the death was before 1 February 2009), the deceased's surviving spouse or civil partner will receive the whole of the estate.

Back to Customer Guide
http://www.hmrc.gov.uk/inheritancetax/index.htm