Who pays for social care ?

cherry76

Another scenario husband 77 and wife 70. They owe the house as tenants in common leaving their share in trust for adult children. Husband needs to go in a care home he has about 50k on his own and monthly pensions. This will not go far considering care fees are 1k a week. My understanding is if his wife needs care and has to be partially funded by LA. LA can recover the money from half of her estate when she died. Sale of the house cannot be forced as she only owes half of it.

Keep_pedalling

cherry76 wrote: »

Another scenario husband 77 and wife 70. They owe the house as tenants in common leaving their share in trust for adult children. Husband needs to go in a care home he has about 50k on his own and monthly pensions. This will not go far considering care fees are 1k a week. My understanding is if his wife needs care and has to be partially funded by LA. LA can recover the money from half of her estate when she died. Sale of the house cannot be forced as she only owes half of it.

If both of them are still alive and both are in residential care, then there will be little option but to sell the home.

Mojisola

cherry76 wrote: »

Another scenario husband 77 and wife 70. They owe the house as tenants in common leaving their share in trust for adult children. Husband needs to go in a care home he has about 50k on his own and monthly pensions. This will not go far considering care fees are 1k a week.

My understanding is if his wife needs care and has to be partially funded by LA. LA can recover the money from half of her estate when she died. Sale of the house cannot be forced as she only owes half of it.

If the wife needs residential care, then both will be assessed as having the capital equivalent to half the value of the house and they will be expected to pay their own way directly to the care homes.

Until the house is sold, they can sign a deferred payment arrangement with the council who will put a charge on the house.

beattiesman

my brother has moved into my mums property 5 years ago but it looks as if she may need to go in a home if we can get funding from local council. I understand if she went in a home the flat would have to be sold ,where does this leave my brother hes 65 he says they cant put him out of the flat .

Keep_pedalling

If this is permanent home,then as he is over 60 then the flat will not be included in the assessment. If he moved in to help her and has his own property it will.

Keep_pedalling

Just remembered your other thread, what did happen to the money from the equity release on the flat?
The LA will will be very interested in that.

If you mother does have to move into care, then your brother is going to have to either come up with alternative accommodation, as the loan company are the ones who are going to force the sale.

Mnd

Has he moved out now.what complicated financial arrangements your family seem to have

Browntoa

To merge ......

beattiesman

well here goes social services sent mum to respite care while sorting out a care package,she didn't like the home they put her in it wasn't one of the best ,we ourselves found a better one & moved her to that rightaway as they had a room vacant ,she loves it in there she is know stopping there permanently .now her local council have sent me a 3rd party form to fill in as there is a difference of £119 a week in the cost of the room & what the council pay.i have some savings & don't mind paying as she is happy there & well looked after but these savings will only last about 5 years,what I really want to know as I wouldn't want to move her to anywhere else is it legally binding to pay these fees if I didn't pay would they move her as I would sooner pay than have her moved ,she is 94 & can do without the upheavel thanks

PasturesNew

The Council has a fixed payment amount that they pay. Homes they put people into are happy to accept that amount and will have beds put aside for Council-paid-for residents. e.g. a home with 30 rooms might have, say, 15 beds Council paid for and 15 private.

If you've moved her to home without such a block booking of X rooms, then the Council will only pay up to their rate.

From the Home's perspective, they charge £X/week. They don't mind who pays, so long as somebody pays. If payment is not received they will evict a resident.

You know that the home you have chosen for her costs £120/week more than the Council are willing to chip in. So you have a choice - pay and she can stay. If you don't pay, then the Home would evict her and she'd be back in "the first home that have a block booking with the Council and that have a bed spare".

That's just how it is.

If in 5 years' time she is still in the home and doing the can-can at the weekly dances .... and your savings run out .... then you'd have to find a list of the homes where the Council have an arrangement and pick one from that list and wait for a vacancy (at best).

When I went through the process, I worked from the other end. I started with a list of the Council funded places that took private residents - because that way I figured that if the money did run out then she'd stand a good chance of simply being able to stay where she was because as soon as they had a Council-room vacancy they'd move her into that slot (no change of room, you don't get a different room, it's just how they do their books - 15 beds are paid for by the Council, 15 privately - and just the numbers have to match, not specific rooms).