Care, savings, homeowners, couple

xylophone

http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS10_Paying_for_permanent_residential_care_fcs.pdf?dtrk=true

http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS46_Paying_for_care_and_support_at_home_fcs.pdf?dtrk=true

http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS34_Attendance_Allowance_fcs.pdf?dtrk=true

You should check whether your parents' home is owned solely by your father or by your parents as joint tenants/tenants in common.

http://www.longmores-solicitors.co.uk/site/blog/residential-conveyancing/coowners-joint-tenants-or-tenants-in-common

You can check the Land Registry.

https://www.gov.uk/government/organisations/land-registry

If the property is not owned as joint tenants, has your father/your mother made a will?

UKSBD

xylophone wrote: »

You can check the Land Registry.

https://www.gov.uk/government/organisations/land-registry

If the property is not owned as joint tenants, has your father/your mother made a will?

Thanks,
I was trying to look on the AgeUK site earlier but it wasn't working for me.


I've just checked the Property Title and my Mother is listed as a registered owner, so one less thing to worry about.


Hopefully the savings are in a joint account, will probably find out more tomorrow.


If they are, and Fathers share is less than £14k should his homecare be supplied for free or does it vary from council to council?

xylophone

I was trying to look on the AgeUK site earlier but it wasn't working for me.

Try typing

age uk paying for care fact sheet

into Google - it should then come up with the fact sheet 10 "Paying for Permanent Residential Care".

This is very detailed and should clarify.

If your father is to be cared for at home, have you looked into AA?

Again, type

Age UK Attendance Allowance factsheet

into Google it should come up with Fact Sheet 34

Type

Age UK
Paying for care and support at home

and it should come up with Factsheet 46

SandraScarlett

UKSBD wrote: »

Thanks,
I was trying to look on the AgeUK site earlier but it wasn't working for me.


I've just checked the Property Title and my Mother is listed as a registered owner, so one less thing to worry about.


Hopefully the savings are in a joint account, will probably find out more tomorrow.


If they are, and Fathers share is less than £14k should his homecare be supplied for free or does it vary from council to council?

My late husband had less than this, but he still had to pay for his attendance at a Day Centre (prior to going into the Care Home), and though that cost £9 an hour, it was half the price of the hourly rate for Home Care.


It is however, a postcode lottery, and your Local Authority may have a different way of charging.

Carrieanne

UKSBD wrote: »

Thanks

neither of them are concerned about having to pay for the care, my worry was that all their money would be spent on my fathers care and my mother could end up penniless and in a similar position in a few years.

From what I have read since, it doesn't work like that though.

As you affirmed that neither of them are concerned about having to pay for the care (and with it effectively gifting the state a minimum of £6K) then what follows will be academic but it may be of interest to others' who might find themselves in a similar situation.

I believe that a great many people, by sheer coincidence of course, would find this an opportune moment to spend £6K on any number of things - such as those essential (or not so) home repairs or improvements and/or replacing those faulty or tired white goods along with some furniture. They would ensure those expenses were paid from the bank account with the excess money.

I daresay that some scallywags would purchase and have delivered to their own home items such as TVs, etc, that they're not going to replace but instead give to friends and family. After all, DWP agents are not going to pop around to inspect the goods.

SandraScarlett

Carrieanne wrote: »

As you affirmed that neither of them are concerned about having to pay for the care (and with it effectively gifting the state a minimum of £6K) then what follows will be academic but it may be of interest to others' who might find themselves in a similar situation.

I believe that a great many people, by sheer coincidence of course, would find this an opportune moment to spend £6K on any number of things - such as those essential (or not so) home repairs or improvements and/or replacing those faulty or tired white goods along with some furniture. They would ensure those expenses were paid from the bank account with the excess money.

I daresay that some scallywags would purchase and have delivered to their own home items such as TVs, etc, that they're not going to replace but instead give to friends and family. After all, DWP agents are not going to pop around to inspect the goods.

If, as I was, a spouse is asked about their savings, it's important to stress that you're not the one who is needing care and I never gave an amount. When I had (yet another) visit from our LA, to ascertain how much DH had to pay for Day Care, I was asked if I had purchased any large items in the previous year "or so".


I'd bought my DH a recliner/relaxer chair, a new bed, replaced the washing machine and produced receipts for all these and also added that, due to his condition, I was doing as much washing as if I had several toddlers.


At that point, I was told they would deduct from DH's weekly income an amount, which I think was £12, to cover the excess washing. Whether this just applied to our LA, or to all, I don't know.


Whether you're applying for help with Day Care, or Residential, it is bewildering, and as this task falls to the carer, who is usually exhausted, it's so hard.

UKSBD

Carrieanne wrote: »

I believe that a great many people, by sheer coincidence of course, would find this an opportune moment to spend £6K on any number of things.

I Think that is fair enough to a degree.


For example, my mother is having to have grab rails fitted for him, having to buy a wheelchair ramp, will probably have to buy him a reclining chair, if he can't cope with stairs she will have to buy him a bed and furniture to set up a downstairs bedroom.


I've told her to use his money not theirs for these things as that seems fair as she may need her money for similar things in the future.


She has had a lot more help now from Age Concern, so isn't as daunted as she was initially.