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Care Home Costs

Bobbydue
Bobbydue Posts: 46 Forumite
Third Anniversary 10 Posts Name Dropper
edited 6 August 2021 at 11:01AM in Deaths, funerals & probate
I sold the house that me and my mother held as joint tenants.

My mother was in a care home and her fee's were covered by income.

I have now been approached with some outstanding costs.

My question is as we held the property as " joint tenants " which automatically transferred to me on my mothers passing, am I liable to pay this outstanding bill, there was no lean put on the property before my mothers passing.

And as far as I'm aware my mum had no estate or will.

Thanks for taking the time to read 
«1345

Comments

  • Keep_pedalling
    Keep_pedalling Posts: 21,553 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper Photogenic
    When you say her fees were paid from income do you mean she fully funded her care from income or were the LA paying some of those fees?


  • Mojisola
    Mojisola Posts: 35,571 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Bobbydue said:
    I sold the house that me and my mother held as joint tenants.

    My mother was in a care home and her fee's were covered by income.

    I have now been approached with some outstanding costs.

    My question is as we held the property as " joint tenants " which automatically transferred to me on my mothers passing, am I liable to pay this outstanding bill, there was no lean put on the property before my mothers passing.

    And as far as I'm aware my mum had no estate or will.
    Your mother owned half the property so half the value of the sale was hers.  She did have assets when she died.

  • Bobbydue
    Bobbydue Posts: 46 Forumite
    Third Anniversary 10 Posts Name Dropper
    Mojisola said:
    Bobbydue said:
    I sold the house that me and my mother held as joint tenants.

    My mother was in a care home and her fee's were covered by income.

    I have now been approached with some outstanding costs.

    My question is as we held the property as " joint tenants " which automatically transferred to me on my mothers passing, am I liable to pay this outstanding bill, there was no lean put on the property before my mothers passing.

    And as far as I'm aware my mum had no estate or will.
    Your mother owned half the property so half the value of the sale was hers.  She did have assets when she died.

    No, under joint tenants it automatically transfers to survivor and is not part of her estate
  • Bobbydue
    Bobbydue Posts: 46 Forumite
    Third Anniversary 10 Posts Name Dropper
    When you say her fees were paid from income do you mean she fully funded her care from income or were the LA paying some of those fees?


    Yes, she paid
  • Bobbydue
    Bobbydue Posts: 46 Forumite
    Third Anniversary 10 Posts Name Dropper
    As property held under a joint tenancy will automatically pass to the surviving joint owners it will not form part of the deceased's estate except for the purposes of calculating inheritance tax.
  • Mojisola
    Mojisola Posts: 35,571 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Bobbydue said:
    Mojisola said:
    Your mother owned half the property so half the value of the sale was hers.  She did have assets when she died.
    No, under joint tenants it automatically transfers to survivor and is not part of her estate
    Was the property disregarded for payment of care fees or was there a deferred payment scheme to be repaid when the house was sold?

  • Bobbydue
    Bobbydue Posts: 46 Forumite
    Third Anniversary 10 Posts Name Dropper
    Mojisola said:
    Bobbydue said:
    Mojisola said:
    Your mother owned half the property so half the value of the sale was hers.  She did have assets when she died.
    No, under joint tenants it automatically transfers to survivor and is not part of her estate
    Was the property disregarded for payment of care fees or was there a deferred payment scheme to be repaid when the house was sold?

    She paid her own fees in full!
  • maman
    maman Posts: 30,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If your late mother had an income to pay full fees, was this perhaps from a pension that died with her? It seems unusual that the income and fees exactly matched with no surplus to form an estate. 
  • Pollycat
    Pollycat Posts: 35,940 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Savvy Shopper!
    Bobbydue said:
    I sold the house that me and my mother held as joint tenants.

    My mother was in a care home and her fee's were covered by income.

    I have now been approached with some outstanding costs.

    My question is as we held the property as " joint tenants " which automatically transferred to me on my mothers passing, am I liable to pay this outstanding bill, there was no lean put on the property before my mothers passing.

    And as far as I'm aware my mum had no estate or will.

    Thanks for taking the time to read 
    Presumably from the care home...
    Have the care home itemised the bills? e.g. what period it covers? Or if it was for incidentals such as haircare, podiatry etc?

  • Robin9
    Robin9 Posts: 12,894 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    @Bobbydue -   her pension would have been paid into a bank account -  , no building society, premium bonds, personal effects
    Never pay on an estimated bill. Always read and understand your bill
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