Pension/Benefit/Income help, caring for Grandmother

Mojisola

With the situation explained a bit further - Post 9 - I personally would go for your plan. Get the house signed over to you and look after your Grandmother. I don't know whether having it part-owned by someone living abroad would complicate things. You could ask about that on one of the other boards - the House Buying, Renting & Selling one?

There are also some very good landlord websites which would be worth joining to learn more about being a landlord.

My parents found the Pensions Service advisors - https://www.dwp.gov.uk/about-dwp/customer-delivery/the-pension-service/ - very good at sorting out their benefits. Also your council may have some Welfare Advisors.

superpup

Mojisola wrote: »

With the situation explained a bit further - Post 9 - I personally would go for your plan. Get the house signed over to you and look after your Grandmother. I don't know whether having it part-owned by someone living abroad would complicate things. You could ask about that on one of the other boards - the House Buying, Renting & Selling one?

There are also some very good landlord websites which would be worth joining to learn more about being a landlord.

My parents found the Pensions Service advisors - https://www.dwp.gov.uk/about-dwp/customer-delivery/the-pension-service/ - very good at sorting out their benefits. Also your council may have some Welfare Advisors.

Thank you.

Maybe there would be some way of my Grandmother signing the house over to me but getting a solicitor to draw up something that says half the proceeds of the sale of the house go to my father after she's gone. Dad has said 'do whatever you need to do' but tbh, he's not really in a position to dictate how we go about things anyway as he's so far away. He would be concerned if I did something that looked like it would threaten his inheritance but if it's all clear with a solicitor, I'm sure it would be okay.

Thank you for the link, I will try and contact them before I drive to my Nan's tomorrow.

Oldernotwiser

I think you're over complicating things. From what you've said, the rent from your grandmother's house and her income should be perfect adequate to support you both. I can't see why you're suggesting getting her to sign it over and I think that it would be very unwise of her to do so.

superpup

Oldernotwiser wrote: »

I think you're over complicating things. From what you've said, the rent from your grandmother's house and her income should be perfect adequate to support you both. I can't see why you're suggesting getting her to sign it over and I think that it would be very unwise of her to do so.

It's just an option I thought of in case her income and rent isn't enough for us to live on. If it's enough then I don't need to worry about it.

Mojisola

Oldernotwiser wrote: »

I think you're over complicating things. From what you've said, the rent from your grandmother's house and her income should be perfect adequate to support you both. I can't see why you're suggesting getting her to sign it over and I think that it would be very unwise of her to do so.

The benefit that I can see is that Gran is going to become less capable of dealing with the rental business side of things as time goes on and it could make it all less stressful if it's done as a clean hand-over now.

anmarj

also another thing to consider is that if she recevies a premium on Pension Credit called Severe disablement benefit then she would lose this as she would no longer be classed as living alone, you could therefore apply for carers allowance which is the approx the same amount

Oldernotwiser

Mojisola wrote: »

The benefit that I can see is that Gran is going to become less capable of dealing with the rental business side of things as time goes on and it could make it all less stressful if it's done as a clean hand-over now.

Why should Gran have to deal with the rental side of things? If the OP's gong to look after her, I assumed that s/he'd do it all.

superpup

anmarj wrote: »

also another thing to consider is that if she recevies a premium on Pension Credit called Severe disablement benefit then she would lose this as she would no longer be classed as living alone, you could therefore apply for carers allowance which is the approx the same amount

Thanks for this, that was another of the things I was wondering about. I'm sure she gets the severe disablement benefit.

Oldernotwiser wrote: »

Why should Gran have to deal with the rental side of things? If the OP's gong to look after her, I assumed that s/he'd do it all.

Correct, I will be dealing with it. Nan wants nothing to do with it, she has asked that I sort everything out.

Mojisola

Oldernotwiser wrote: »

Why should Gran have to deal with the rental side of things? If the OP's gong to look after her, I assumed that s/he'd do it all.

If she stays as the owner of the property, there will be a certain amount that stuff that has to be signed by her. She presumably won't want to sign paperwork without reading and understanding it.

superpup

Mojisola wrote: »

If she stays as the owner of the property, there will be a certain amount that stuff that has to be signed by her. She presumably won't want to sign paperwork without reading and understanding it.

As much as I try to explain things, I know she will just want to sign it as she says she doesn't understand. I don't think that's strictly true as she did ask me about paying tax on the rental. It's more than she doesn't want to be bothered with it. Granddad always dealt with anything to do with their finances.