Dementia wiping out families and their life savings, their houses and lives in the U.K

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In the U.K social care is not free and very expensive, between £600 and 800 per month in state run homes and £1200 plus in private homes,.If your partner or parents get dementia they tend to end up in a care home as they are nearly impossible to care for at your home. As a family effort we did dad some 15-years ago at home and saved moms life savings and house. From 2019 through to 2021 me and my brother did mom, hoping to keep her out of a dementia care home and keep us in the house. it was unbelievably tough to do - Covid, eviction, unemployment and all sorts on top to deal with. We eventually had to put her in a home when she was attacking us most nights or trying to escape the house, completely away with the fairies, late stage dementia. She died recently and her care home bill hit 90 grand. Somehow we pooled our family money together and paid it, saving the house for our new home. Then we had to navigate the so-called 'death tax', 40% of your parents estate over 325k liable for Inheritance tax, punitive fine that was supposed to target the rich , who had ways of hiding money. Lots of money. Now it targets normal families. Us. Moms final estate was 420k. We deducted her 90k care home cost and we fell outside of the requirement for death taxes. but the tax office cant understand how we manged to pay for care without selling our house so are querying our estate valuation. We had to put 20k into mums account over three years just to meet that 90k bill. But get this. If we had cared for mom at home all the way through the last 30 months we would have LOST 40k through inheritance tax and so effectively playing the state to look after our mom . How f**ked up is that. The system of care is broken here. Most families will get wiped out by dementia.