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Care Home Top Up Fees
davemacdonald
Posts: 8 Forumite
My mother-in-law is currently in a care home. She has her house up for sale as her funds are now below £10,000. We are about to go into a Deferred Payment Scheme where the local council pay £800 per week, but the Care home she is in is approx £1050 a week, meaning we have to pay a top up fee of approx £1000 per month.
We would like her to stay here, as she recently been moved from another care home due to a safeguarding issue and she is happy here.
We can't afford to help with the top-up fee, so we need to look at different options, eg. loans etc.
Any advice would be much appreciated.
We would like her to stay here, as she recently been moved from another care home due to a safeguarding issue and she is happy here.
We can't afford to help with the top-up fee, so we need to look at different options, eg. loans etc.
Any advice would be much appreciated.
0
Comments
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Might not be specialist enough on here.., have you tried talking to Age UK?0
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Does she get a state pension?
Does she get Attendance allowance (not means tested)?
NHS nursing care allowance (not means tested - available if nursing care is needed)?0 -
Would the council pay the whole amount until the property is sold? The money could then be repaid?0
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She does get a state pension. She was getting Disability Allowance but that seemed to have stopped which are now trying to sort out. She was getting nursing care allowance but since we moved her this was stopped as its a residential care home.0
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Would the home wait for the extra until the house is sold?0
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I don't think this is an option with this particular care home.
Have you asked?0 -
They might agree on the basis that a commercial interest rate was payable pending repayment?0
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She does get a state pension.
The sums don't quite add up.
Usually the LA would expect her to pay her entire income minus £25 which he is allowed to keep for personal things (clothing, toiletries, hairdos).
Her state pension might not be that big maybe but that doesn't look like it's included in your sums.
I don't know about DLA but with AA you are entitled to get it when you become a private payer (the fact that there is a loan in place makes no difference). My MIL has a DPA but gets AA.0
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