Care home cost assessment

cavework

tumboodle wrote: »

I personally don't know anybody that has that set up. Most just have joint ownership like we do.

It is very common these days including when couples use an equity release scheme.

tumboodle

cavework wrote: »

It is very common these days including when couples use an equity release scheme.

Is it? But I still don't understand it. I thought it that it was 'what is mine is yours and what is yours is mine'

Tenants in common for people in dodgy relationships or unusual ones is one thing - but for long term (decades) I just don't see the point.

[Deleted User]

If he sold his house 3 years ago.., where has he been living since. Wherever he is.., does he now need nursing care rather than simply general care.

I don't know where to look for this but I believe that where actual nursing care is required.., the care has to be paid for by the NHS.

I hope someone else can remember a couple of cases that have been in the newspaper where people have disputed decisions on who pays for care and it turned out that with Nursing Care the NHS should pay. They did have a long hard fight though.

This might help. http://www.ageuk.org.uk/health-wellbeing/doctors-hospitals/nhs-continuing-healthcare-and-nhs-funded-nursing-care/

Also try Parkinson's UK. My dad has Parkinsons and they were very good with advice on what he could do.

I love my Dad very much, but I am aware his personality is very changeable.., more so as time has gone on. My wonderful Dad who is the person I always went to for advice is now having to turn to me for the same because he is just not as clear as he once was. He also keeps asking if I need any money. Now I know how the system works, and I can see the day approaching when he will need every penny he has for care.., so I say no however short I am (in fact I buy his food when I visit and it does cause awful problems for me personally but I manage whichever way I can etc). But not everyone thinks like that. Not because they are trying to do something dishonest, or selfish.., people don't always have the knowledge to make sensible decisions or predict the future. Or they may not want to.

The important thing is to try and not let poor decisions impact this man's life now he needs help.

cavework

tumboodle wrote: »

Is it? But I still don't understand it. I thought it that it was 'what is mine is yours and what is yours is mine'

Tenants in common for people in dodgy relationships or unusual ones is one thing - but for long term (decades) I just don't see the point.

Tenants in common ...
Each person owns a % share in the property, if one person dies their will can transfer their share to who ever they wish ie children.
The other person retains ownership of their % and usually there is a clause stating that the other owner can remain in that property until they die or wish to move.
There is nothing dodgy about it .Try googling why this is sometimes the best option for people owning their own home and you might get the point.
Hope this helps

Polly_Sparky

Remember, in the UK healthcare and nursing care are free – regardless of whether you have a house or savings. Funding for this care is called NHS Continuing Healthcare, and it covers 100% of your care fees if you need care primarily for health reasons.

Lots of useful info on this website

https://www.caretobedifferent.co.uk

The LA should not be doing a financial assessment until the NHS have carried out an assessment of Health Needs.

stevemLS

Polly_Sparky wrote: »

Remember, in the UK healthcare and nursing care are free – regardless of whether you have a house or savings. Funding for this care is called NHS Continuing Healthcare, and it covers 100% of your care fees if you need care primarily for health reasons.

Lots of useful info on this website

www.caretobedifferent.co.uk

The LA should not be doing a financial assessment until the NHS have carried out an assessment of Health Needs.

Sorry but this is not quite accurate.

To qualify for full NHS CHC requires a demanding assessment with needs described over a number of "domains" leading to a conclusion that somebody has a "primary health need" - that is more than a requirement for nursing care at intervals.

Many people who are very ill do not qualify because the majority of their needs are for "personal care" rather than healthcare.

If a person is admitted to a nursing home (rather than a caree home - the two are different although some establishments are registered as both) and has elements of their care which is required to be provided by a nurse, they may then, subject to assessment, qualify for "Funded Nursing Care" which is paid at a fixed rate, currently £108 pw.

pineapple123

stevemLS wrote: »

Sorry but this is not quite accurate.

To qualify for full NHS CHC requires a demanding assessment with needs described over a number of "domains" leading to a conclusion that somebody has a "primary health need" - that is more than a requirement for nursing care at intervals.

Many people who are very ill do not qualify because the majority of their needs are for "personal care" rather than healthcare.

If a person is admitted to a nursing home (rather than a caree home - the two are different although some establishments are registered as both) and has elements of their care which is required to be provided by a nurse, they may then, subject to assessment, qualify for "Funded Nursing Care" which is paid at a fixed rate, currently £108 pw.

Agree.
someone may have constant and considerable care needs but will not be entitiled because for them it may comprise of only personal care and assistance, however someone who requires specialist care would be more likely to qualify.

For example someone may need help to be fed or given fluids this would be not classified as healthcare need however if that person had problems swallowing and prone to choking they may need an experienced suitably qualified person (not necessary registered nurse) to feed them then that is a healthcare need, but this healthcare need alone may not give you funding it depends on the healthcare need or usually several needs to qualify.

CHC funding is difficult to obtain, assessed after 3 months then yearly and can be withdrawn .

ArtoDeeto

Been there - they can try... Their argument is he deliberately offloaded the asset to avoid being liable for care home fees which, they may argue, were inevitable.
Out of interest after he sold his home and gave all his assets to his children how/where did he live and how did he pay the rent when (I guess) he never paid rent before the sale? Playing Devil's advocate but the council will want huge chunks of money...

Just seen this and that is what I was asking;

SandraScarlett wrote: »

Has your Grandfather been cared for by one/all of his children since his wife died, and lived with them? If not, has he been living in rented property.

PS: if the council win and the money has now been 'spent' whoever got it "might" find themselves owing money.

monkeyspanner

ArtoDeeto wrote: »

PS: if the council win and the money has now been 'spent' whoever got it "might" find themselves owing money.

Whereas there is no time limit for the council to assess deliberate deprivation of assets there is a time limit of I believe 6 months in which to recover the capital from the recipient/s. In addition there is no liability on relatives or even spouses to fund care home fees. This would leave the council in an interesting position if having exhausted the patients remaining capital assets by using the assumption that he still had the proceeds of the house sale. What are they going to do then make him homeless? More than likely they would apply moral pressure on the family.

I do not think that a 3 week requirement for care after the death of a spouse when he probably was exhausted necessarily demonstrate he had a future need for care any more than any older person might expect to need care. The council would need to demonstrate that the reason for the gift was with a deliberate intention of avoiding care home fees.

With regard to CHC funding this is a difficult process but worth applying for.

poorlittlefish

The question has been asked in a number of replies but the OP still hasn't come back to say where grandad's been living the past three years, or have I missed it?

I know it's not nice to say, but in my former line of work I encountered numerous cases of elderly people being pushed by family members into agreeing things that meant their relatives were quids in, while they were left at risk. Selling the home and giving his money away might have been the grandad's choice, but he might also have been pressured into it through the greed of others. Not saying it was definitely the case here, only that it definitely happens.