Sarah

Sarah’s parents self-funded care from age 81 and 83.

Sarah looked after her parents at home herself with support from her brothers and then they gradually paid for more and more care. Eventually Sarah and her brothers made the difficult decision to move their mother and father to a care home with nursing.

Having worked part-time as a teacher when her children were young, Sarah was enjoying teaching full-time and establishing her career with more responsibility at work. But she was spending more and more time caring for her parents who were both living with dementia. Full-time teaching with the constant worry of her parents’ needs was not manageable and Sarah made the decision to go part time.

When Sarah first noticed her parents needed help, she started picking up shopping for them and helping round the house. It was also important to her to do nice things with them so Sarah would take them out for the day or visit family. Over time her parents needed more help and as her brothers lived some distance away the family arranged paid careworkers at home. Sarah and her brothers felt it was important to have careworkers who would be familiar to their parents, so they decided to employ a careworker directly. This meant they had to organise payroll and pension contributions. As her parents’ care needs increased, they took on another careworker who was self-employed and someone to help in the house.

Sarah managed to care for her parents at home for almost two years. The care was paid for from her parents’ pension income and Attendance Allowance, but Sarah did as much as she could herself to keep costs down. Sarah feels that someone from the local council adult social care team should have been looking in on her parents to make sure they were getting the care they needed. She feels that self-funders are left on their own without any guidance on how to get the right care and what support they are entitled to, for example, Sarah only found out by chance that because of her parents’ diagnosis of dementia they no longer had to pay council tax.

When Sarah and her family were going on holiday, they decided it would be best to arrange residential respite care for her parents. The family also paid their regular carer to go and visit her parents, for company and to check they were alright. This respite care was not satisfactory, the residential home could not cope with their challenging behaviour. The paid carer who visited had to wash and change Sarah’s mother. Sarah complained about the care they had received and took it to the Ombudsman. She said it was a battle, but they received a partial refund of the fees they had paid for respite care.

Sarah’s parents continued to live at home but, after an admission to hospital when her mother had an infection and was refusing to walk or take medication, Sarah made the difficult decision for her mother to move to a care home with nursing. Sarah’s mother was eligible for NHS-funded nursing care (FNC), which contributed towards the cost of her care. A year later, Sarah’s mother was awarded NHS continuing healthcare, which paid the full cost of her nursing home fees. Sarah’s father moved into the same care home with nursing just a month after her mother following an admission to hospital. He lived at the care home for almost two years and the cost was paid from his savings.

Sarah’s parents spent approximately £70,000 on care but they did not have to sell their house. The amount would have been much higher if continuing healthcare had not been paid for her mother. Sarah feels it is cruel that her parents have had to spend so much on care when they are living with Alzheimer’s disease. They had both worked hard and paid taxes all their lives.

Update: This interview took place in 2020 during the global COVID-19 pandemic. It was recorded on a remote video call. Sarah’s parents died during the pandemic and visiting was restricted at the care home. Sarah was not able to be close to her parents and hold their hands at that time.

Interviewed online due to 2020 COVID-19 restrictions.

The bank refunded the money when Sarah noticed her parents’ had paid out to an unknown insurer.

Age at interview 55

Gender Female

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

Age at interview 55

Gender Female

Looking back, Sarah wished someone had been checking in to see if her parents were getting all the right allowances.

Age at interview 55

Gender Female

Sarah complained to the local ombudsman about the standard of care and was awarded a part refund of fees.

Age at interview 55

Gender Female

Sarah employed one careworker for her parents as well as paying another who was self-employed.

Age at interview 55

Gender Female

Sarah wanted to help her parents stay at home but the level of care they needed became too difficult.

Age at interview 55

Gender Female

Sarah thought the care home with nursing helped her parents stay out of hospital.

Age at interview 55

Gender Female

Sarah cared for her parents but as their needs increased they also paid for help from careworkers.

Age at interview 55

Gender Female