Financial assessment following care home entry/DRE

portchieboy

Mother in law has just had to go to a Dementia care home, and following minimal help from our local authority (over 4 months) they agreed a basic contribution of c£450 per week.

MIL has funds around £20k savings. We have had to agree to a top up of £100 per week. Family/friends cannot permanently afford to expend the top up.

We have a financial assessment next week and could do with a heads upon the likely turnout. Presumably her Attendance allowance will cease. She then gets OAP and Pension Credit, and has a tiny Widows pension from the Post Office.

Do I guess that OAP, PC and PO pension will be taken, then she will have to pay out of the £20k the full balance of the say £450 per week, until the savings are down to £14,250? The top up presumably cannot be paid from that Capital at all.

We have a family arrangement that the top up will be reclaimed from the estate eventually, but again, I do wonder what happens after say 3 years when the £14,250 has effectively been offset. What if we went to PCC and said the family could no longer afford the top up?

Any help appreciated thanks very much.

converted

you appear to have been well informed - AA will stop, all her income except for around £25 (residential allowance) will be taken to pay towards her fees and there will be a tariff income from the saving between 14250 - 23250 - without 3rd party top-up only other option is to move to a care home which will accept social work rates without the top-up - obviously the choice then will be up to family if they are not willing to top-up without the eventuality that it will be repaid from estate