Please help with conflicting advice

Keep_pedalling

The OP needs to treat all this money as their mother's, despite the fact that they are joint accounts.

I would also strongly suggest that she sets up a financial LPA as at some point they will need to handle all their mother's financial affairs, including the possibility of selling her home if she needs to take up residential care.

A health LPA would also be advisable.

smjxm09

As for now your mother should be applying for an attendance allowance and you should apply for a carers allowance

barnsleynanna

smjxm09 wrote: »

As for now your mother should be applying for an attendance allowance and you should apply for a carers allowance

My mother already gets attendance allowance, and I don't claim carer's allowance as her pension credit pays the same amount. My husband and I have been considering moving in with mum to look after her as she's becoming more and more confused. If we sold our house and moved in with her (husband is 66 years old), what would happen with the financial assessment?

xylophone

http://www.ageuk.org.uk/home-and-care/care-homes/the-means-test-and-your-property/

In view of your husband's age, if your mother had to go into a care home at some point after you moved in, it may be that the value of the bungalow would be disregarded. See page 6

http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS38_Treatment_of_property_in_the_means-test_for_permanent_care_home_provision_fcs.pdf?dtrk=true

However, your mother's capital would be taken into account - even though in a joint account, it is likely that it would be regarded as all hers since the sale of her property was the source of it.

She cannot give this away to avoid paying the fees.

She would therefore be liable for all fees (unless eligible for CHC http://www.nhs.uk/Conditions/social-care-and-support-guide/Pages/nhs-continuing-care.aspx) until such time as her capital reduced to £23,250?