Class 3A NICs when already in a care home

[Deleted User]

To pick up on a couple of threads about Class 3A contributions.

My mother is already in a care home and is self-funding. She gets less than the maximum SP by £20-ish. It would cost her approx £8,000 to bring her SP up to the maximum.

Would using her money this way be seen as Deprivation of Capital when she eventually applies for funding? What are the other implications?

What would be the implications if I was to 'buy' this for her?

She is not in the best of health, so whether she will benefit from the increase is an unknown.

Just thinking-out-loud really.

Richard

Mojisola

Why would you want to do this?

When she becomes entitled to funding, all her income bar £20-ish pocket money will be taken by the LA to put towards the cost of the care home

Your mother would only benefit from the increase in pension until she stops being self-funding. It's unlikely that she would recoup the £8k so it's not in her interest to do this.

[Deleted User]

As I said - just thinking-out-loud.

I like to explore all avenues, even if they very quickly result in dead-ends.