onwards&upwards wrote: »
So here’s a scenario, you’ve lived for 4 or 5 years in an £800 a week care home paying for it yourself out of your savings, pension income and the proceeds from selling your home.
You live longer than you expected and eventually you are down to 26,000 in capital.
If you have a well off child or other relative then the council will pay their rate (let’s say £500) happily and let your well off relative pay £300 and you get to stay where you are, where you have made friends, where the staff know you, your home.
If you don’t have any family, or they can’t afford to help you, then the council are no longer willing to pay the £500 they would have been?
AnotherJoe wrote: »
I dont know what guarantees the relatives have to make regards top up payments, I would imagine its a commitment to pay for a reasonable period of time,maybe a year or so?
elsien wrote: »
It's only a few years back that there were proposals to raise the means test from £23,250 to £123,000. People are very attached to their properties and handing down an inheritance, whatever your personal opinions with regards to this.
onwards&upwards wrote: »
But the link posted earlier explicitly states that you are not allowed to pay your own top up fees, so where does your information come from that this rule (law?) is broken regularly?
lisyloo wrote: »
Just to add something I’ve remembered.
In the two cases I’ve been involved in (MiL & FIL) both went into places outside the LA budget being LA/taxpayer funded.
In the first case (MIL) her needs were high and a lot of places wouldn’t take her. The family refused some places in the overmydeadbody category and yes you DO get a choice and also places too far away.
We found somewhere suitable and went to “panel” with strong advocacy.
We won MILs case which I think was partly because she was bed blocking in hospital and LA can be fined for that so they didn’t want a protracted argument, plus I think the home lowered their rates as they knew what the max amount they could get without being refused.
The second case was FIL. They had been married for 60 years and the LA wanted to split them up to save money (he was bed bound, her wheelchair so transport quite difficult).
Again we went to panel and we got him into the same home.
Once again the home lowered their rates and the LA were under pressure to move him from hospital.
So it is not a given that you HAVE to take the LA budget accommodation.
There are appeals that can be made if there are needs, family, marriages etc to take into account.
We did later discover that the rates went up significantly and it’s at that point we realised the home had dropped their rates to get them in.
So LA rates £620 ex nursing.
Mil residential rate £825 ex nursing
FIL rates £850 ex nursing
Private rate £925 eX nursing.
So it is possible to get LA funded in better places but you need strong advocacy. Won’t work for people with no family.
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