How paying for care affects families

This page covers:

  • Worries about inheritance,
  • Discussions with family about money and care,
  • Getting a balance between providing care and paying for care.

Many older people pay for their own care, but other family members are affected as well. People may find it worrying to see how quickly savings can be spent and the impact that paying for care can have on inheritance is a concern for some. Families don’t always agree on what care to pay for but where there is agreement this can be a big help. Sometimes it’s not the paying for care that is the biggest concern, but the time and energy needed to help look after a family member, and how to balance that with work and family life.

Many of the people we spoke to felt it was unfair that their hard-earned savings, or those of their parents, had to be spent on care. A big worry was that there would be nothing to leave as an inheritance. This upset some sons and daughters who were expecting to receive that inheritance but more often than not they were upset on behalf of their parents as they knew their parents wanted to pass something on to the next generation.

People told us that they did not always tell their parents exactly how much was being spent on care or that all their savings were gone. Even though spending the money on care was a worry, many people told us that they were glad to be able to do the best they could for their parents.

Sinclair was upset that he would not be able to leave more inheritance to his children.

Age at interview 92

Gender Male

View profile

People said that it wasn’t always easy to agree with sisters and brothers in making decisions about their parents’ care. Some disagreements were about inheritance and the cost of care, or because one sibling lived closer and gave more hands-on care to their parents than the others. This could mean that those living further away did not appreciate how much help their parents needed and could be reluctant to agree to pay for more care or a move to a care home. People also told us that talking about care and finances within step-families could add a further layer of complications.

Rosemary had difficult conversations with her stepsons over the cost of their father’s care home.

Gender Male

View profile

Not all family conversations were difficult. Some pulled together and came to joint agreements about paying for a parent’s care. A few people told us that they felt lucky to be an only child so they didn’t have any additional stress of trying to agree with sisters and brothers. But they also recognised that the downside of being an only child was that they had to shoulder all the responsibility for making decisions.

Paula talks about the pros and cons of making decisions as an only child.

Age at interview 54

Gender Female

View profile

As well as the money side of care, people told us that providing practical care for their parents had a big impact on their own lives. Organising paid care for their parents was also very time-consuming. Some people gave up work or reduced their hours to help care for parents. Others moved house to be closer to a parent or moved a parent in with them. People feel a sense of duty but it can be hard to get the balance right between caring for a parent and paying for care.

Sarah had to choose between full-time work and caring for her parents.

Age at interview 55

Gender Female

View profile

The high cost of care made people think twice about paying for care or they chose to postpone getting paid care. Frances described feeling “very resentful” about the price of nighttime care for her father and so her sister helped out a couple of nights a week.

Frances realised how much caring for her dad was affecting her family life when he had respite care.

Age at interview 52

Gender Female

View profile

Once a decision had been made to pay for care, it could take the stress off relationships and help people get some of their old lives back.

Paying for care took the pressure off Marie’s dad.

Age at interview 40

Gender Female

View profile

Help for carers

This page covers: What is a carer? Financial help for carers, Support groups and practical help for carers, Ways to find out about help for...

Looking after other people’s money

This page covers: Why family or friends became involved with managing someone else’s money, Examples of what people did to manage money and spending. When...