An in-between phase

KajiKita

Ugh to the building admin stuff … KBO … But huge sympathy from here. 

❤️ for the butterfly visitor 😊

KK

badmemory

And I'm finding it difficult/stressful to look for a living room hall & staircase decorator, cos then I will need a carpet!!!!  

foxgloves

I think your beautiful butterfly is a moth. I'm not very good at identifying moths. A tiger moth perhaps? If so, will have orange underwings when it takes off. 
Your solicitor & mortgage people need a rocket up the proverbial.
F

PennysIntoPounds

Thanks @KajiKita
That does also sound stressful to be fair @badmemory! 
There is not a single competent professional involved in this build @foxgloves!
I think you're right, tends to be the rule that moths rest with wings together and butterflies with wings apart if I recall correctly. Small blessings to be treated to a visit by such beauty all the same 😊

PennysIntoPounds

Does anyone have knowledge of if there are any exceptional exceptions to having to sell your home for residential care if you have dementia?
My lovely Auntie is in hospital and has dementia and I'm trying to support my lovely cousin through this, it's all a bit bloody horrible.

I know my aunt would have to sell her home to afford care home fees. However my cousin lives there and wouldn't be able to afford her own place (works full time, but that's London including suburbs prices these days), and while grateful to have been living there (and contributing but not as official tenant etc) she has also been supporting her mum through a ton of health and life issues for decades (no carers allowance or anything similar involved). It's very worrying that she would have to become homeless to get her mum out of hospital and into appropriate long term care.

It's a normal family home in the suburbs, not anything fancy- well out of working class people like my cousin's budgets now though. No second home or any big financial assets.
My cousin isn't yet 60 and doesn't have any impairments so usual rules wouldn't qualify her for staying as part of a deferred asset payment.

I appreciate they're fortunate to have an owned home for this to even be an issue, it would just be so nice if there was some way of my cousin not losing her home (and the family home) that she's spent decades in putting her life on hold to support her mum, and getting my aunt in a place where she's less stressed and has a better quality of life.

Anyone know of anything to look into or is this in reality just one of those miserable from all angles situations?

doingitanyway

Sorry, dementia is a horrible disease and the ripples for everyone tend to be horrible too
I was only aware of the qualifying exemptions that you have identified your cousin does not meet. 

The Alzheimers Society have a support line and can offer advice on options around paying for care

Call: 0333 150 3456

• Monday to Wednesday: 9am – 8pm
• Thursday and Friday: 9am – 5pm
• Saturday and Sunday: 10am – 4pm

Debsnewbudget

Does dementia not qualify for Continuing Health Care ?  

Have a look on 
https://www.dementiauk.org/information-and-support/financial-and-legal-support/guide-to-continuing-healthcare-chc-funding/

badmemory

It should but getting one is quite different.  Every time my mother landed up in hospital after she went into a care home every doctor we saw would ask why she hadn't got a dementia diagnosis.  It costs the NHS if they diagnose it but the local authority if they don't & they can't afford it.

Blackcats

Care packages are so complex to navigate.  Recently my elderly uncle needed to go into a care home and he had too much money to get any help from social care but not enough to satisfy his chosen home's requirement for 3 year's of fees to be available.  In a bittersweet twist he was diagnosed with less than 3 years to live so he could demonstrate to the care home that he had enough money to cover the likely remainder of his life.

anyway, towards the end of this article there's a glimmer of hope for your cousin as they are over 60.  Hope it's useful.

https://www.payingforcare.org/help-with-care-fees-from-your-local-authority/

Karonher

@Blackcats - it says the cousin is not yet 60 so it will be at the discretion of the council and as most are short of money it is unlikely they will allow it.