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Advice on care and funding

Mat B

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Hi all Im looking for some general advice or to be pointed in the right direction with regards to assets and paying for care.

The rough situation is a family member needs care. But
do they have to sell up their (his and his wife) house to pay for this care. They have a small amount of savings too, so I guess the same question goes does this apply to their savings?

Many thanks
 
This is a bit of a minefield & you (or they) do need to get qualified advice.

I think the first stop should be Citizen's Advice
 
I believe the house is not counted as an asset if a partner or elderly/infirm relative still lives there, otherwise probably, but make sure they have a proper legal guardian ie with power of attorney or else social services will appoint one, and you really don't want that.
I believe the current asset limit is about £20 000 for full contribution of costs.
As said, you need proper legal advice as soon as possible.
 
LXI is right, Balge is partly, seek advice first.

Do you have an IFA that you use? They will be up to date on the process.

Use someone local as local authorities approach this issue differently.
 
Get legal advice from a lawyer, don't go to the ones that masquerade as them called the Citizens advice bureau most of them know the square route of sod all. Good advice from a specialist lawyer can save you thousands upon thousands over the years.
 
Thank you all for your advice.
I set up so I could help, power of attorney (both types I can't remember what they are off the top of my head) a while back and left all the other stuff on the back burner.

Will be finding a lawyer tomorrow to get he right advice.

Thanks again
 
Your local authority will also be very helpful and forthcoming with advice and information without you having to disclose particulars.

My first port of call would be the local authority (as this does vary area by area) then I'd probably go legal if I found I needed to.

Having recently dealt with this twice the LA were extremely forthcoming.
 
All I will add to this is seek legal advice from someone local as the rules vary from county to county.
I went through it all a few years back with my dad and the local rules on care and paying for it were shocking.
 
If one of them will be left at home the house will not be counted as an asset unless that person dies, or must also move into care.

If this is the case the house may be sold if their income is insufficient to meet the cost and no one else is willing to take on the costs.

The upper limit for all costs to be met is £23250, the lower limit below which no contribution is required is £14250.

Between the limits a contribution of £1 per £250 is required.
 
Thank you all for your advice.
I set up so I could help, power of attorney (both types I can't remember what they are off the top of my head) a while back and left all the other stuff on the back burner.

Will be finding a lawyer tomorrow to get he right advice.

Thanks again


power of attorney over welfare and finances are the two different types.


"The upper limit for all costs to be met is £23250, the lower limit below which no contribution is required is £14250"


this is also correct.


by saying you have a relative that needs care i am assuming that you mean formal care placement i.e residential home?

if this is the case are you looking into a residential home or are you looking into a nursing home if the relative has a health need?

i ask this as both are differently funded if your relative falls under the threshold of £23 1/2 thousand.

if there is a partner living in the home then the house is not sold as that person cannot be left destitute.

savings are taken into account for the financial assessment

feel free to ask questions i will try my best to answer -

Ghummy - NHS continuning healthcare specialist working for corprate and complex discharge services from hospital. (nurse by qualification) and working very closley with social services on a a daily basis discussing these same issues.
 

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