Caring for mum in her own home

M_Barreiro78

@lisyloo
thank you!

Please can you tell me what classes as incapacitated? Does this include things like mental health disorders?
My husband is less than 60.

lisyloo

According to ageuk

What ‘incapacitated’ means

Someone is ‘incapacitated’ if they receive any of these benefits: Armed Forces Independence Payment, Attendance Allowance, Constant Attendance Allowance, Disability Living Allowance, Incapacity Benefit, Personal Independence Payment, Severe Disablement Allowance, or a similar benefit.

If they do not receive these benefits but their degree of incapacity is equivalent to that required to qualify for such a benefit, they also qualify. Medical or other evidence may be needed for a decision in this case.

just making you aware (no judgment) but your mothers quality of care may be far lower if she is local authority funded rather than privately funded, so you may have a conflict on interest between her needs and yours.

M_Barreiro78

@lisyloo
Much appreciated for all your support.
Its good to know these things before you are in the situation where you have to make decisions.
Kindest regards.  MB

Sarahspangles

If your mother’s home needs to be sold to pay for her continuing care in a home, you could alternatively pay rent to remain there, at a commercial rate

Gavin83

Are you claiming carers allowance? I assume you aren’t working if you’re caring 24/7.

The house can also be disregarded if you’ve been a carer for the individual. I don’t believe there’s a time limit on this as such but you’d likely need a number of years before this was a possibility.

lisyloo

Sarahspangles said:

If your mother’s home needs to be sold to pay for her continuing care in a home, you could alternatively pay rent to remain there, at a commercial rate

How does that work?
do you mean sold to a 3rd party landlord?

Sarahspangles

lisyloo said:

Sarahspangles said:

If your mother’s home needs to be sold to pay for her continuing care in a home, you could alternatively pay rent to remain there, at a commercial rate

How does that work?
do you mean sold to a 3rd party landlord?

No.  If the parent needs to pay care home fees, which imply the house will have to be sold, then the adult couple who want to remain in the house can request (to the Council) that sale is deferred on the basis that they will pay rent to cover the fees.

They know the house will either be sold to cover care home fees or when the parent passes away and the estate is divided up among the beneficiaries.  They need a long term plan for rehousing themselves.

lisyloo

Knowing the figures involved, it’s very unlikely that rent would cover care home fees. 
My MILs fees were £825 per week at local authority rate.
it went up to £925 when she was self funded.
of course fees varies across the country but so do the rents.

I totally agree they need a plan (which to be fair is why the OP is asking questions now ahead of time).