Baby Bloggers & Mummy support The Edith Ellen Foundation a registered charity (No.1153733), we write independently of the foundation & our opinions are our own. Together, we believe in dignity and respect for the elderly and compassion in care. We hope together to provide valuable, inspirational dignity in care resources that address needs of isolation, emotional pain, grief and loss. We want to encourage you to be the best carers to older people that you can be.
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Friday, 17 November 2017
Dealing with Probate
I appreciate there are a lot of articles about probate
rolling around the world wide web, but I truly hope I have mastered breaking
down the process to ensure that it is more understandable for those embarking
on probate or those it may fall upon.
Probate is possibly one of the biggest responsibilities
that could be asked of you. It’s a
little more complicated then ensuring that someone’s pet is taken care
off. And to top it all off it is a mind
field so hopefully you’ll find this interesting and useful. And where possible I have included the
relevant links so that you can use this article as a resource.
Once you have been appointed as Executor for your friend or
loved one it is your responsibility to distribute their assets after their
death. And it will never be an easy
process – as you will also be coping with your own grief and suddenly you’ll be
faced with mountains of paper work and you’ll need to be able to hold sensible
conversations with businesses such as Banks, utilities and Local Authorities.
It has been our experience that banks have made this task
even more onerous, with one bank asking to speak to the person to confirm their
death! Yes, you read that correctly – one bank we dealt with actually asked to
speak to the deceased to confirm that they had deceased – sometimes you just
can’t make this stuff up!
When dealing with Probate it is likely you’ll need a Grant
of Probate
before you can distribute the estate – but this is not always necessary or the
case. It depends on whether the
deceased’s assets are jointly owned and if they will automatically transfer to
the surviving owner.
How the process should
work
The task of probate can be laborious, and the process can
vary depending on which organisations you deal with. We know from personal experience that
Santander (formerly Abbey National) can be quite difficult to deal with, and
don’t get me started on the Post Office Money!
However, the key stages are:
1. Assess
how much the estate is worth.
This may mean working through the deceased’s papers and approaching companies
for account details including credits and debits – you will need proof of
identity and that you are the nominated person responsible for dealing with the
estate.
2. Apply
for probate.
If you live in England, Wales or Northern Ireland you will need to complete a PA1 form, or in Scotland it is a C1 form. There is a fee of £215 in the UK
and Wales, £200 in Scotland and £250 in Northern Ireland. Unless the estate is worth less than
£5,000. At the same time you will need
to complete an inheritance tax form – if the estate is below the £325,000
threshold it would be IHT205, or if tax is payable the form is IHT400
3. If someone dies without a will you’ll
only be able to apply for a grant
of representation if you are next of kin – usually a spouse or child.
4. Settle
inheritance tax (IHT).
Before probate can be granted this needs to be paid (the links are above),
however, the deceased’s accounts may be frozen.
In some cases, organisations will release funds early to cover IHT and
funeral bills. You’ll need IHT423
and send it directly to the bank of the deceased, the bank will then send funds
directly to HMRC.
5. You’ll
need an executors account.
This is honestly one of the most convenient ways to gather the deceased’s assets
all in one place. This account will also
enable you to manage payments to any beneficiaries. If you use your own personal account this can
slow down the process and make it difficult to keep track of everything.
6. Notifying
beneficiaries.
Now this part I learnt about from Heir Hunters on TV as
it is actually very important and acts as a back up for your own protection
against liabilities. You’ll need to
contact those who are named in the will and notify them, but you should also
consider placing an advert in the UK’s official register – The Gazette. If you don’t, you could be liable for claims
from unidentified creditors in the future.
7. Distributing
the assets.
As executor it will be your duty to distribute the assets in accordance to the
will. It is recommended that you ask
beneficiaries to sign a receipt for any payments you make. You should also provide accounts for the
estate to the people who receive the remaining assets. Keep records of everything you do for a
minimum of 12 years.
As an executor you
will deal with a lot of different organisations and each organisation will have
its own way of dealing with probate.
Banks will usually
release funds before you have a grant of probate, if its to cover IHT or
funeral bills.
Generally, these payments will be made directly to HMRC or the funeral
director.
As for making the process easier I can only comment from my
own experiences of probate. I would say
it is advisable to, where possible, make accounts joint accounts. And order more copies of the death
certificate than you think you’ll need, these are more expensive to order
afterwards.
Sunday, 5 November 2017
What is Severe Cognitive Impairment?
About 10 to 15 percent of adults age 65 and older are
believed to have mild cognitive impairment — a condition commonly characterized
by memory problems, well beyond those associated with normal aging.
Cognition encompasses lots of different skills, including
perception (taking in information from our sensory organs), memory, learning,
judgment, abstract reasoning (thinking about things that aren't directly in
front of us), problem solving, using language, and planning.
I heard this question the other
day and like most people who’ve never heard of MCI I’d never heard of SCI.
For those with MCI it is when a person has
trouble remembering, learning new things, concentrating, or making decisions
that affect their everyday life.
In more severe cases, cognitive impairment is not simply
forgetting people's names, and the symptoms progress to the point that it
becomes difficult to live alone or take care of oneself.
People with severe cognitive impairment have a very
hard time remembering things, making decisions, concentrating, or learning.
Patients with severe impairment might have difficulty feeding themselves or
swallowing, which can be life-threatening.
Cognitive impairment does
not have a single cause, but rather could be the result of a number of
different conditions.
Care Services Requires Focus
The Edith Ellen Foundation believes that despite the
implementation of various pieces of care legislation, regulations and training
programmes intended to improve care systems, the care culture has not improved,
and it will not improve because at present, care systems do not have an
understanding of how to do it.
Care services require a focus on the fundamental cause of
inconsistent basic care skills in social care processes, and how to prevent the
abuse and neglect which appears in some care homes within a “caring industry”.
There is an urgent need to coach management and staff away from the repetitive
behavioural process that impedes a more caring delivery and kinder environment
for those receiving and delivering care services.
Understanding how to deliver excellent and consistent
individual care may be widely debated and discussed but only happens in those
rare cases where “someone” understands how to negotiate their way around the
health and social care systems and to bypass the internal and external barriers
that impact on management and staff behaviour which prevent the deliver an
excellent holistic care experience every time.
The
Foundation
understands all too well that there are real barriers that stop people trusting
in the safety of some care homes, and why it might result in abysmal care
processes and an unnecessary early and painful death of people receiving care.
We worry that:
·
in
part, current legislation and regulation leads to people’s rights and lives
being forgotten and lost and eats away at the protection, kindness respect,
compassion and care benefits for the people and their family on the front line
of care, in the first place.
·
the
caring industry as a whole relies too heavily on tick box systems and extensive
paperwork which is believed to support the care of patients but, in fact, it
rarely equates to a true day in the life of a care home.
·
it
relies but is not aided by the whole concept of paper trails and distance
learning aids as mechanisms for safe quality assurance for caring.
Without moving away from old ways of working it will never
reflect the underlying true behaviour and untrained approaches from care
workers which leads to dysfunctional and disconnected ways of working and lack
of quality assurance of care, which can be found in care homes in the UK.
The Edith Ellen Foundation believes it is the Good News
Story leading the way for our Edith
Ellen care workers to be trained and recognised as the leaders for
professional excellence in the care Industry.
It believes it holds the essential key strategy and
policies that will bring fresh ideas to care and will see sustainable and
consistent outcomes supporting the wellbeing and self-worth of all those
delivering and receiving care and will create a necessary guarantee for the
safety of people and their families.
As such, its aim is to assist in improving the trust and
provision of robust, dedicated and practical holistic Kindness
in Care, and to guide management and staff education toward proven behaviour
and staff skills that sees and understand the overall benefits of caring in the
manner which, so many good carers wish to give, but are hampered without the
support of effective and attentive processes and management and staff teams
learning how to deliver excellent care together.
This Foundation looks to provide a significant increase in
the understanding of the people’s own requirements and the overall standard and
recognition of the place outstanding quality nursing and care in all care
homes, locally and nationally plays in the reputation, sustainability and
profitability of the care industry across the UK.
The Edith Ellen Foundation believes a sound commitment to
kindness should be the lifeblood of anyone involved in the provision of care.
If that principle were to be enshrined within the culture of all nursing and
social care pathways, then abuse and neglect could be prevented.
As a Foundation we can’t do that without your help please
support us as we start to open up the next phase of our Kindness
in Care Training programme for 2018-2020.
Contact us for more details of our Training Prospectus, befriending
through the Lady Bader Ambassadors
and for information on how getting involved in Volunteering for us will make
such a difference to changing the culture of care. We would also greatly appreciate if you share our social media sites with others.
To hear more please contact us on: office@edithellenfoundation.org
or call us on 07809
905009
join us on our social network links:
(Website which is currently being updated)
http://www.edithellenfoundation.org
Facebook Account www.facebook.com/edithellenfoundation
Facebook Account www.facebook.com/edithellenfoundation
Twitter Account http://www.twitter.com/edithellen2013
Or join the debate with
#Awareness #MoreCaringApproach #DementiaCare
#SocialIsolation
Promoting
Kindness
By identifying, celebrating and sharing good practice
By identifying, celebrating and sharing good practice
Kindness
is
Compassion without judgement,
No fear just one heart to another
Compassion without judgement,
No fear just one heart to another
Thank you.
Kate (Co-Founder)
CopyrightKBoct17
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