Archive for the ‘Society’ Category
Tidying up the finances when someone goes into a nursing home
Mum’s journey into a nursing home was largely unplanned for and constantly suffering from delays on the part of social services but she’s been there for several months now. That’s created a much greater involvement with social services and social security than we’ve had up to now and it’s something of a nightmare on the whole.
First off, the financial assessment people want a whole bunch of information about her finances. That sounded like it would be simple when they demanded it (“ask” isn’t in their vocabulary) but in fact it isn’t. Even getting information from their colleagues in social security proved extremely difficult. In fact, that difficulty should really be obvious: you’re phoning up to ask about someone else’s financial situation. Naturally, the answer is along the lines “we can’t provide that information to you”.
On the other side of the coin their colleagues in social services are concerned about protecting her finances. Well, protecting them for themselves really as their view is that all her assets were built up to pay for nursing home fees. However, there’s a conflict in their demands and those of the financial assessment people.
Then there’s the matter of transferring numerous direct debits built up over a period of time. Not quite so simple really although that at least appears to be doable for the most part with the exception, so far, of Sky who can’t get their head around needing to cancel Sky because the person using and paying for it has moved into a nursing home. I look forward to their demands for payment now that I’ve canceled the direct debit. Well, actually, I won’t get them as they insist on speaking to the bill payer, who ain’t here any more.
Anyway, I think I’m on the home run with moving the bills to appropriate places.
Copyright © 2004-2014 by Foreign Perspectives. All rights reserved.
Recession or depression?
Nobody is openly calling it a depression but then it’s a difficult call to say whether you’re in a depression or not when you’re actually in the midst of one.
Aside from the obvious financial difficulties that a growing list of countries are finding themselves in, signs this time around are seemingly all around on the smaller scale too. The list of bankrupts seems to be growing although that’s not really a terribly reliable sign in these days of financial engineering.
What’s perhaps more obvious is the number of small shops gradually disappearing. The smaller shops are more dependent on the local economy than the large chain stores and they tend not to have a large financial cushion to help them ride through the bad times either. Indicative of this too is the rise in the number of charity shops which can operate through financial difficulties as they don’t pay their staff nor do they pay for their stock. Thus in difficult times, charity shops tend to replace small shops.
Slightly strangely in some ways is that the chip shops and home bakeries are closing up. Two different reasons are working here with the chip shops suffering as they’re popular as cheap food outlets and thus have a fall-off in trade when those at the bottom end of the income levels have to make cuts. To some extent that affects the home bakeries too but there’s also the element of their products being a bit of a treat and that “treat money” is in shorter supply these days.
Will we all look back on this period ten or fifteen years from now and call it a depression? Somehow I suspect that the answer to that will be yes and that there are even more difficult times lying ahead.
Copyright © 2004-2014 by Foreign Perspectives. All rights reserved.
Another true bookshop bites the dust as the Queen’s Bookshop closes
I still remember the day over 30 years back when I first went into the Bookshop at Queen’s with my Dad and we came out with a pile of books for my courses that we could barely carry between us.
Back in those days it was the only proper bookshop in Belfast and it carried books on every subject that you could imagine. Not just on the topics taught at Queen’s either as it had a range of normal books that was far wider than you’d have seen in any other bookshop around at the time. So, over the years I called in now and again despite the difficulties in parking nearby and I don’t think I ever left without purchasing something that I’d been looking for nor without buying something that I hadn’t been looking for but saw by chance.
It was always the kind of bookshop that browsing around meant that you came across something of interest. That’s something that you don’t get online as you tend to be shepherded into books similar to those you’ve already bought – with the Bookshop at Queen’s you could come across something totally different to anything you’d bought before yet totally fascinating despite that. Thus, for example, I have the brilliant little book Learning the Law which, despite it being a subject that I’ll probably never learn, is quite fascinating and there are many equally engrossing books in my bookcase just like that.
But today I made what will almost certainly be my last couple of purchases as the bookshop will be closing its doors permanently on Saturday. Sadly, they’d already packed up the masses of academic books and it was a couple of typically diverse purchases that I ended up choosing: The Celts and Collins Easy Learning Greek. Would I ever have bought them on Amazon? Well, no, because they’d a) not have turned up on any searches that I’d have been likely to use and b) as they’re outside my normal reading, they’d not have turned up on my suggestions either.
What finished it off seemed to be a combination of factors. That difficulty in parking is a lot worse now than it was 30 years ago for a start and with a major chain bookshop beside the city carparks I’d say that the casual browser largely relocated. Internet purchases are rife these days, of course, but thanks to the demise of the Net Book Agreement there’s also extensive discount which is probably more of an issue. Strangely, the prices of books or, rather, of academic books are much the same now as they were 30 years back which is in itself something of a problem as the mark-up percentage means that they’re less profitable than they used to be. The availability of lecture notes online is probably not a major factor as even 30 years back the lecturers handed out copies of notes for many courses for what was the relatively small fee of £5 or so. What could be a big issue is that students just don’t have as much free cash as they did 30 years ago: not only did we not have student fees back then but we received a grant of around £1000 or so each year (more if you lived in a flat) thus buying books means borrowing from the Bank of Mum & Dad.
It’s sad to see the bookshop go but I do hope that when times are better that it will be possible for it to rise again.
Copyright © 2004-2014 by Foreign Perspectives. All rights reserved.
Finding a nursing home
Mum had a fall a few months back and managed to break her hip which was replaced surprisingly quickly but unfortunately even after a couple of months worth of rehabilitation, her mobility is still way down from what it was and stairs aren’t a runner for her. That’s something of a problem as she’d have to be able to deal with the stairs to come home and so we’ve been looking for some kind of nursing home.
At the discharge meeting the consensus was that it would need to be a nursing home rather than a residential one so off we went round looking at places on that basis. All of that time was wasted as a) she’d not been formally assessed (and didn’t need “nursing” as it turned out) and b) every place we went to had a waiting list (20 years, yes TWENTY YEARS, in one case!!).
As far as rehabilitation goes, you get up to six weeks before they start looking for money and then you’ve 48 hours to move before you start writing cheques. That being the case, you’d think that they’d do the assessment a week or two in advance of discharge but in our case it was done the day before she notionally had to leave. Anyway, that kicked off another round of running around looking at residential homes. Except that they too had waiting lists and it was only a few days later that we were given a short list of ones that didn’t have lists. A list with three places on it, two of which were miles away and the third of which had a waiting list. So we asked again and were given another name which had a place. Except that it didn’t as it was away by the time we got there, just a couple of hours after getting the name of it.
We asked the doctor and he had a name of a place that seemed perfect. Snag was that it turned out not to be a runner financially. What they didn’t tell us was that they’d pay £426 and we’d have to pay anything above that. You might think that the person going in could pay it but they can’t as it has to be a “3rd party” (ie usually the sons/daughters). It’s also worth bearing in mind that this “top-up” can go up quite dramatically over the years eg one place we know of went from £10 a week to getting on for £100 a week over the course of 10 years (bear in mind that people usually stay 10-15 years).
Anyway, we’re back to the place that said they had a waiting list but had two empty rooms. Quite why those rooms were available us and not offered to those on the waiting list first is a mystery, but then so much of nursing home lore is a mystery. The remaining issue with it is that it’s basically an unfurnished flat so we need to source some furniture.
Copyright © 2004-2014 by Foreign Perspectives. All rights reserved.The hot potatoe that’s care for the elderly
Mum had a fall a few months ago and managed to land that little bit too heavily and consequently broke her hip. That in turn led to a new hip so the fall actually helped her in that she now has the new hip that she needed but would otherwise have needed to wait a couple of years to get. That then led to was an extended stay in what’s called an intermediate care home which is basically an annexe to the hospital in all but name and she’d been there almost six weeks now.
That “almost six weeks” means that last week I was called to what’s essentially a discharge meeting where all the social work people along with a representative from the care home to discuss what her situation was now and what should happen next. It’s almost six weeks because six weeks is the maximum amount of time that the local trust will pay for recuperative care and after that, well, that’s a good question as it turns out.
It was very clear from what was said about her current condition that our house just isn’t suitable for her and neither would we be able to offer the level of care that seems to be necessary, even were we to accept what would be a very high degree of care on offer from the trust. Actually, the level of care on offer was something that we’d had offered before and when we thought through the consequences, it just wasn’t going to be viable. Moreover, now they’re saying that it’s pretty much round the clock care that she needs which isn’t on offer and wouldn’t really be practical for us even if it were.
Anyway, that in turn meant that we we felt that a nursing home was the way to go. But is it a “nursing home” or a ” residential home” that she needs? That’s a good question and one that I couldn’t answer. Neither could the people at the meeting, at least not in a definitive way. Would it be permanent or temporary? Another good question although in that old people always get older I’d say that permanent would be a good guess.
A rather interesting question is who pays for it all. As far as the social worker group were concerned it was around £540 from them (in itself consisting of all but £22 of Mum’s pension and allowances) and the top-up of (for that home) of £70 from me. That was if the money was available in the budget which, of course, it may not be. A chat with Age Concern (OK, AgeUK, but really, who calls them that?) it was quite a different story. For one thing they appear to have to find the money from the budget and I don’t have to pay a top-up either as only someone “willing and able” to pay would have to pay (she can’t pay herself as it needs to be a 3rd party).
Until we found all that out we were running around everywhere trying to find a home that we could afford (of which there were none) and that had spaces (also none). Who knows what’ll happen on Monday when the six weeks are up though as I’ve not been able to get in touch with any of the social worker team.
Copyright © 2004-2014 by Foreign Perspectives. All rights reserved.