paying for care home

Errata

Rent the house from grandad, he can also claim high rate AA, nursing care, and all this added to his SRP will more than cover his £413 pw care home fee.

pineapple123

To add to previous posters some points also to consider.

Grandad will be left with a small part of his pension each week will this be enough for him ie pay for outings, podietrist, clothing, daily newpapers, brandy every night etc etc. some homes even charge for daily activities.

Increase year on year of fees and a huge jump in fees if N/H or EMI bed required in future.

Mojisola

pineapple123 wrote: »

Grandad will be left with a small part of his pension each week will this be enough for him ie pay for outings, podietrist, clothing, daily newpapers, brandy every night etc etc. some homes even charge for daily activities.

This only applies to people who have their care home costs paid by the LA. They must be given £23.50 out of their pension for personal spending.

If you are self-funding, your money is your own.

Savvy_Sue

pmlindyloo wrote: »

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Although this is statistically true I don't think the OP should rely on this - I know someone who is 101 years young and has been in a care home for 10 or more years!

Well, obviously, he's already doing well and we can all point to the exceptions.

I know one lady who cared for her Mum at home, thinking it wouldn't be for long, and Mum lived to be over 100!

scottiescott

"Presumably he has a pension, maybe Pension Credit and Attendance Allowance - add those up and see how much more he needs to pay for the home plus some spending money."

So are these benefits still payable even if a person has to go into a Care Home?
And if that is the case the amount payable by the individual to the Care Home is their weekly/monthly charge less the total of benefits payable to the individual? In effect the care Home take all the benefits and the individual has to pay the rest out of their own pocket?

Errata

scottiescott wrote: »

"Presumably he has a pension, maybe Pension Credit and Attendance Allowance - add those up and see how much more he needs to pay for the home plus some spending money."

So are these benefits still payable even if a person has to go into a Care Home?
And if that is the case the amount payable by the individual to the Care Home is their weekly/monthly charge less the total of benefits payable to the individual? In effect the care Home take all the benefits and the individual has to pay the rest out of their own pocket?

If someone has the means - SRP pension/private pension/AA/Nursing care component/rent from property/profit from sale of property - then they pay the care home fee. Why shouldn't they?

Mojisola

scottiescott wrote: »

"Presumably he has a pension, maybe Pension Credit and Attendance Allowance - add those up and see how much more he needs to pay for the home plus some spending money."

So are these benefits still payable even if a person has to go into a Care Home?

If the person is self-funding, yes. Their position is exactly the same as if they lived at home except that instead of paying rent, utilities, etc, at home, they pay one bill from the care home.

And if that is the case the amount payable by the individual to the Care Home is their weekly/monthly charge less the total of benefits payable to the individual? In effect the care Home take all the benefits and the individual has to pay the rest out of their own pocket?

Not if they are self-funding. The person continues to receive all their pensions, benefits, etc, just as normal.

If a person is funded by the council (ie, the taxpayer), then all their income is collected by the council to put towards the cost of the care home. £23.50 a week will be passed on to the person for personal spending. The difference between the person's income and the cost of the care home is made up by the council.

scottiescott

Errata

My elderly mother may require to go into a Care Home in the future and I am thinking about the funding options. Hence my question regarding what happens to existing benefits. If they are still payable but there is a shortfall in the amount payable to the Care Home, then all well and good. There would be no issue in funding the shortfall from her own savings.
As she has her own house and a little savings I asume that she would be "self-funding" and not council/taxpayer funded?

Mojisola

scottiescott wrote: »

My elderly mother may require to go into a Care Home in the future and I am thinking about the funding options. Hence my question regarding what happens to existing benefits. If they are still payable but there is a shortfall in the amount payable to the Care Home, then all well and good. There would be no issue in funding the shortfall from her own savings.
As she has her own house and a little savings I asume that she would be "self-funding" and not council/taxpayer funded?

This was the position my Dad was in.

The first twelve weeks should be funded by the council, although there may be a top-up fee to be paid if the care home fee is higher than the council's set allowance.

After that, the client is expected to pay the full bill if they have more than £23,250.

If part of that capital is tied up in a property, the council can set up "deferred payments" whereby they will pay the care home cost (again up to their limit) and put a charge on the house which will be repaid when the house is sold.

It's worth getting a benefit check done to make sure your mother is claiming everything she is entitled to such as Attendance Allowance and Pension Credit.

Errata

scottiescott wrote: »

Errata

My elderly mother may require to go into a Care Home in the future and I am thinking about the funding options. Hence my question regarding what happens to existing benefits. If they are still payable but there is a shortfall in the amount payable to the Care Home, then all well and good. There would be no issue in funding the shortfall from her own savings.
As she has her own house and a little savings I asume that she would be "self-funding" and not council/taxpayer funded?

If mother lives on her own in the house she will have no need of it if she moves into a care home and it can either be rented out or sold and the money used to help cover the fees alongside any pensions/AA/nursing care component she's eligible for. In time, quite a long time, a shortfall may develop and that's when the local authority step in to part fund.