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Financial Assessment for Care Home Costs

Our mother has just gone into a care home following a stay in hospital following a stroke. She has now been diagnosed with severe dementia. The social worker advised she should go into a care home for her own personal welfware. We understand anything above £23,500 in savings is used to pay for this care. She does not have her own home.
However part of her saving is in a 'With Profits Bond' with the Prudential.
I have seen articles in the past which seem to indicate that this type of asset is not taken into account when her financial assessment is done, is this correct?

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