Maybe homeless in the future

moneyistooshorttomention

I'm guessing your best bet is to check out further as to whether a family member that has a house as their sole home (always has been) can be chucked out and the house grabbed to cover the cost of carehomes.

I understand a spouse can't be thrown out of their home in order for it to be grabbed and used to cover care home costs - so the question is as to whether this same provision applies to someone with a different relationship to the person concerned.

AgeUK are probably your best bet for finding out the position on this.

MissBiggles - I don't think finding a job would be that likely a prospect if OP hasn't had a job for some time (ie in view of current economic climate). I may be wrong - and hopefully he could and then it's just down to whether wages payable in that area match up with rents expected in that area.

AdrianC

You're 45. You're currently a carer for your mother.

If you cease to be a carer for your mother, because she passes away or her condition worsens to the point you can no longer provide adequate care, then what's stopping you from getting a job?

wilson1973

I'm not worried about getting a job it's just the mechanics of not having a place to live and going about finding a home in my situation with no savings and no job to be able to pay rent and be welcomed by a private landlord,yes a job will come it's just the inbetween bit I'm just wondering if I will have to live on the streets for a while,surely you need some type of abode to secure emplyment.

xylophone

It would be helpful if you could tell us who owns the place you live in, or if it is rented who is the landlord, what sort of tenancy mum has & did she succeed to father's sole tenancy, or was it a joint tenancy? (You may have rights to succeed to mum's tenancy..)

Mother owns the property and has savings.

https://forums.moneysavingexpert.com/discussion/comment/71022965#Comment_71022965

https://forums.moneysavingexpert.com/discussion/comment/70921016#Comment_70921016

AdrianC

So if she has to go into residential care, how long will her savings cover her costs?

xylophone

it's just the mechanics of not having a place to live and going about finding a home in my situation

Even if the property had to be sold, I assume that you would be given time to sort out alternative accommodation.

wilson1973

xylophone wrote: »

Even if the property had to be sold, I assume that you would be given time to sort out alternative accommodation.

I hope so,things may well be ok I have good days and bad days,I do like to be prepared though,I will contact shelter and arrange a meeting with an advisor.

Mojisola

wilson1973 wrote: »

I'm not worried about getting a job it's just the mechanics of not having a place to live and going about finding a home in my situation with no savings and no job to be able to pay rent and be welcomed by a private landlord,yes a job will come it's just the inbetween bit I'm just wondering if I will have to live on the streets for a while,surely you need some type of abode to secure emplyment.

Does your mother pay you for the care you provide?

Couldn't you start to build up some rainy day savings from your income?

wilson1973

No I receive carers allowance,I'm going to start putting aside what I can to an online savings account though

xylophone

Does your mother pay you for the care you provide?

https://forums.moneysavingexpert.com/discussion/comment/71373743#Comment_71373743

I have property and affairs power of attorney for my mother who has been diagnosed with dementia a month ago, I look after her and I'm just about to apply for carers allowance, but I was reading today that the health and welfare power of attorney is needed to make decisions about that persons daily routine, eg washing, dressing, eating, I haven’t got this type of power of attorney will this be a problem?

He would need to be very careful about paying himself from his mother's money as he has PoA.

There would be less of a problem if his mother's accounts show that there was a regular arrangement in place before she developed her condition.