Should we separate my in-laws money when one goes into care?

Hi,

My mother-in-law has just gone into a care home due to having dementia.

Most of my father-in-law & my mother-in-law’s bank accounts is combined in joint accounts, do we need to separate the money so that my father-in-law’s money isn’t used to pay for my mother-in-law’s care?

We currently can’t access some of her money because he doesn’t have power of attorney so he might have to use his own money to pay for her care at moment.

Any advice would be appreciated? Thanks.
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  • Loza2016
    Loza2016 Posts: 134 Forumite
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    We went through this with my parents when my Dad had dementia and went into care. 

    I would advise that you split the joint accounts now. Keep receipts of any payments your Father in laws makes so he can be reimbursed once you have access to your mother in laws money. 

    All the best 

  • sheramber
    sheramber Posts: 19,069 Forumite
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    And get a LPA  done for your father in law.
  • MalMonroe
    MalMonroe Posts: 5,783 Forumite
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    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • Pollycat
    Pollycat Posts: 34,667 Forumite
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    Are Social Services Adult Care involved?
    They were when my Dad went into care, they'd arranged various services for him such as a weekly visit to a day centre, carer's to get him up and dressed and once-a-week respite for Mum.
    When he had to go into care, we had a visit from someone in the Finance dept who went through their finances.
    Dad was self funding but a large amount of their savings was tied up in a fixed term bond.
    The council paid for the care until Dad died - it was only a few months - and we could access the bond.
    This was 10 years ago so things may have changed.
  • Keep_pedalling
    Keep_pedalling Posts: 16,602 Forumite
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    sheramber said:
    And get a LPA  done for your father in law.
    Unfortunately it is probably to late for that, so an application to the courts for deputyship will be necessary. That process is longwinded and expensive. 

    He should get his share out of the joint accounts asap, and get all of his income to be paid into a sole account. 
  • Pollycat
    Pollycat Posts: 34,667 Forumite
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    sheramber said:
    And get a LPA  done for your father in law.
    Unfortunately it is probably to late for that, so an application to the courts for deputyship will be necessary. That process is longwinded and expensive. 


    It's the OP's MIL that has dementia. The OP hasn't said the FIL isn't capable of setting up a LPA so it might not be too late.



    He should get his share out of the joint accounts asap, and get all of his income to be paid into a sole account. 
    And separate any joint benefit claims.

    My Mum & Dad had a joint pension credit award and we had to end that and do separate claims.
  • Keep_pedalling
    Keep_pedalling Posts: 16,602 Forumite
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    Pollycat said:
    sheramber said:
    And get a LPA  done for your father in law.
    Unfortunately it is probably to late for that, so an application to the courts for deputyship will be necessary. That process is longwinded and expensive. 


    It's the OP's MIL that has dementia. The OP hasn't said the FIL isn't capable of setting up a LPA so it might not be too late.



    He should get his share out of the joint accounts asap, and get all of his income to be paid into a sole account. 
    Whoops! I miss read sherambles post. Not enough coffee this morning.

  • Thank you all for your replies, very helpful. Been trying to sort stuff out over the last week or so and making abit of progress.

    When splitting the joint accounts, is it just a case of going 50:50 from the date she went into care and then sorting payments and cost going forward depending on if it’s for my mother or father-in-law?

    The problem we have now is they have a few joint accounts which my father-in-law can get his share out quite easily. However there is probably only enough money in there to pay for care for my mother-in-law for a few weeks (her share). She has a lot of her own savings tied up in her sole accounts which we can’t get access to as we don’t have LPA.

    What do we do in a few weeks when my mother-in-law’s share of the joint account runs out? Surely my father-in-law isn’t expected fund this from his share?

    We’ve been trying to get in touch with a chap based at the local doctors, I believe he may be part of social services but no luck over the last few days.

  • elsien
    elsien Posts: 32,689 Forumite
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    edited 15 April 2022 at 1:13AM
    Who arranged for MIL to go into care? Was the local authority involved? Either way  you need to call them via the adult social care duty team. Number will be in their website. 
    The local authority can pay until your MILs finances have been sorted out. Has a deputyship been applied for - you need to prioritise that. 
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • Pollycat
    Pollycat Posts: 34,667 Forumite
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    elsien said:
    Who arranged for MIL to go into care? Was the local authority involved? Either way  you need to call them via the adult social care duty team. Number will be in their website. 
    The local authority can pay until your MILs finances have been sorted out. Has a deputyship been applied for - you need to prioritise that. 
    I asked that upthread.
    I also explained what happened when my parents were in a similar situation:
    Pollycat said:
    Are Social Services Adult Care involved?
    They were when my Dad went into care, they'd arranged various services for him such as a weekly visit to a day centre, carer's to get him up and dressed and once-a-week respite for Mum.
    When he had to go into care, we had a visit from someone in the Finance dept who went through their finances.
    Dad was self funding but a large amount of their savings was tied up in a fixed term bond.
    The council paid for the care until Dad died - it was only a few months - and we could access the bond.
    This was 10 years ago so things may have changed.

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