Pension credit in a Care home

anmarj

LindaMary wrote: »

So what about the 50 percent disregard on his personal pension of £80 does it mean he is only classed as receiving £40?

PC will take the full £80. How they work out financial assessment is totally different to PC. I take it that he is giving that to your mum?

cheekyweegit

LindaMary wrote: »

So what about the 50 percent disregard on his personal pension of £80 does it mean he is only classed as receiving £40?

Sorry, but I don't think there is a disregard for this on Pension Credit.

xylophone

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/382513/pc10s.pdf


Page 70 may be of interest.

pixiehelper

a bird told me the 23,500 that is taken into consideration is most likely due to change to somewhere in the 100,000 s to spend before authority care - people will not be happy

LindaMary

pixiehelper wrote: »

a bird told me the 23,500 that is taken into consideration is most likely due to change to somewhere in the 100,000 s to spend before authority care - people will not be happy

What will that mean?

LindaMary

anmarj wrote: »

PC will take the full £80. How they work out financial assessment is totally different to PC. I take it that he is giving that to your mum?

Yes. So does this mean that the PC top up would only be about £15 a week?

Pollycat

pixiehelper wrote: »

a bird told me the 23,500 that is taken into consideration is most likely due to change to somewhere in the 100,000 s to spend before authority care - people will not be happy

Is it me who has misunderstood this or is this comment wrong?

If - as currently - your savings have to fall to below £23,500 before you stop being fully self-funded and this will change to £118,000 from April 2016 why would 'people not be happy'?

Which people would not be happy?

Surely if your savings have to fall to £23,500 before you get help with funding now and your savings have to fall to £118,00 next year, that's a massive positive step for people?

My Dad had £30,000 savings in his name and paid for all of his care in a home (he wasn't in it for very long before he died).
Under the new limit, he would have only been part-funding his care.

Mojisola

LindaMary wrote: »

Yes. So does this mean that the PC top up would only be about £15 a week?

If the full amount of the pension is counted in your father's assessment then your mother must be seen as not having the £40 she currently receives - maybe she would be entitled to claim PC for herself (depending on her other income).

Pollycat

Mojisola wrote: »

If the full amount of the pension is counted in your father's assessment then your mother must be seen as not having the £40 she currently receives - maybe she would be entitled to claim PC for herself (depending on her other income).

We did this for my Mum & Dad.

I worked out that Mum would be better off if all my Dad's occupational pension went to him, her small income meant that she could claim guaranteed pension credit & therefore housing & council tax benefit.

She was never so well off as in the few months that Dad was in the care home before he died.

pmlindyloo

I recommend that you contact AgeUK who will be able to help you to make sure that both your parents maximise their incomes.

http://www.ageuk.org.uk/about-us/local-partners/