selling house to pay for care home

noelphobic

soolin wrote: »

He is not in a nursing home, just a care home for people with dementia. So whilst i am happy that my father is deemed to have no medical needs, it does mean we do not fulfil the requirements to get any aid at all.

Although he does of course receive full DLA.

you don't have to be in a nursing home to get fully funded NHS continuing care. You can be in a care home or even in your own home. That's the theory anyway- in practice it is hard to get even if you are in a nursing home.

oldestrocker

noelphobic wrote: »

you don't have to be in a nursing home to get fully funded NHS continuing care. You can be in a care home or even in your own home. That's the theory anyway- in practice it is hard to get even if you are in a nursing home.

Yes I was watching a TV documentary about this a few weeks ago.

The dice do seem to be loaded against getting fully funded NHS care.

My mother in law lived a very 'colourful' life. What came in - went out. Never cared about the future - as she used to say, that's not my problem!

Anyhow with no home (it was rented) she received top class care all fully funded. Some of her co-residents had to sell their homes.

On the other hand my parents never spent anything that was not needed - no foreign holidays - no car - no decent clothes as such, but dad who is now left on his own lives in a property worth something like £500,000. If he goes into a home, that will have to be sold!! Who is right and who is wrong?

Getting the NHS to pay is, from what I see, a hard long struggle. Maybe too much of a struggle for most - the assessment is loaded against you!

noelphobic

oldestrocker wrote: »

Getting the NHS to pay is, from what I see, a hard long struggle. Maybe too much of a struggle for most - the assessment is loaded against you!

We're trying at the moment but know we are in it for the long haul.

hilstep2000

I've just had to do this for my Dad. The sale is expected this week. He went a bit mad before he went into the Nursing home, and ran up £20,000 in debt! That's got to be cleared first. Also I have been keeping a list of all I've spent, like new clothes for him, and things he needs in the home. My daughter and nephew are also getting married next year, and Dad says that he wants them to have £1000 each. If necessary I will argue with Social Services about it, but as we donb't know how long he has left that may be irrelevant. Anyway, you are allowed £23000, so his "gifts" can come out of that.
Also, before I forget, when the house is sold, if your mother is in receipt of Pension Credit, (as my Dad is) you have to tell them, and it is stopped until savings are £16000. Only know this because of a letter to Daily Mail saying that the DWP are demanding £2000 in overpayments from somebody's estate, as the family didn't inform them!

Torry_Quine

hilstep2000 wrote: »

Also, before I forget, when the house is sold, if your mother is in receipt of Pension Credit, (as my Dad is) you have to tell them, and it is stopped until savings are £16000. Only know this because of a letter to Daily Mail saying that the DWP are demanding £2000 in overpayments from somebody's estate, as the family didn't inform them!

I am surprised you said this as my relative has been in receipt of pension credit for a few years now with savings over £16,000 although just at that level now and is in a care home.

anmarj

hilstep2000 wrote: »

I
Also, before I forget, when the house is sold, if your mother is in receipt of Pension Credit, (as my Dad is) you have to tell them, and it is stopped until savings are £16000. Only know this because of a letter to Daily Mail saying that the DWP are demanding £2000 in overpayments from somebody's estate, as the family didn't inform them!

there is no upper level limit for pension credit, when it stops will depend on the indivudal cirmcumstances and income.