Care home take savings

JaneP1942

Hello, I hope that someone can help please. I understand that  people are allowed to keep so much in savings that can't be touched but! Can care homes or local government take all savings out of the bank after a person has died to repay fee's ? 
Thank you. 

tooldle

Was there a deferred payment arrangement in place?

Gavin83

JaneP1942 said:

Hello, I hope that someone can help please. I understand that  people are allowed to keep so much in savings that can't be touched but! Can care homes or local government take all savings out of the bank after a person has died to repay fee's ? 
Thank you. 

Why is there such a discrepancy between what was paid and what’s owed? How have they taken the money? Also who is it, the care home or the council?

Ultimately there’s no such thing as money that can’t be touched. Below a certain level it will no longer be included in the assessment but if the bill is owed it becomes a debt to the estate and they can take all assets to settle a debt.

AskAsk

have they done this or are you asking just in case?

Keep_pedalling

You really need to provide specific details if you want worthwhile answers.

74jax

JaneP1942 said:

Hello, I hope that someone can help please. I understand that  people are allowed to keep so much in savings that can't be touched but! Can care homes or local government take all savings out of the bank after a person has died to repay fee's ? 
Thank you. 

Once you inform the bank that the account holder has died, the account is usually frozen for outgoings but does allow incomings still.  The exception is the funeral invoice which a FD can issue direct tot he bank.  
I'm not sure how a care home could access a bank account if the account is marked as deceased.

If you mean once someone has died are funds in the deceased account used to pay debts, then yes.  Whoever is the executor will make sure all debts are paid - including any monies received i error - usually pension overpayments/tax etc where there was a cross over from payment and death being registered.

I think this is what you mean, but post back with more detailed info and others can help.

Scotbot

The care home can claim the fees they are owed from the dead persons estate however £23.5k must remain at the end. They don't take it from the bank it is done via the executor. If there is no will it is done by the probate court.

Gavin83

Scotbot said:

The care home can claim the fees they are owed from the dead persons estate however £23.5k must remain at the end. They don't take it from the bank it is done via the executor. If there is no will it is done by the probate court.

This isn’t the case. If there’s a debt owed to the care home or council they can take the estate down to zero just like any other debtor.

It’s pointless discussing it anyway, the OP isn’t coming back.

maman

Gavin83 said:

It’s pointless discussing it anyway, the OP isn’t coming back.

I  tend agree. I suppose some people like to post just to help/inform someone who might randomly read the thread.  It must be the case, otherwise nobody would ever post on those mse generated  threads where the OP isn't even there to start with let alone answer questions. 

aylesby

The council put a land registry charge on MIL house which would have notified them of any attempt to sell it. At the end after we cleared her fees and they released the charge. Good communications made this seamless and quick.
The council did not need or ask when the charge went on which surprised me.