Care home fees, what help is available

A friend of ours is in the unfortunate position that his wife will shortly have to go into a care home, almost certainly a specialist care home as she's suffering from dementia.
They have assets (excluding the family home) in excess of £23k and will therefore be self funding
She has pension income of approx £20k & the care home fees will be approx £63k
What help is available from either local council or central government--------- or anywhere else that springs to mind
Thanks
Paul 

Comments

  • Brie
    Brie Posts: 9,271
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    depending on his income some of her pension income might be excluded from her financial assessment if it's needed to support him at home.  the rest will be down to what money she has in whatever form.  If they have joint accounts normally half will be considered to be his and half hers unless there's proof to the contrary.  Any account that is just in his name should be excluded from any considerations.

    Presumably she's getting attendance allowance?  That's the only thing I can think of from the government until she is below the £23k mark.
    "Never retract, never explain, never apologise; get things done and let them howl.”
  • elsien
    elsien Posts: 32,270
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    edited 20 November 2023 at 5:49PM
    Possibly some health funding if she has a CHC assessment and nursing needs, but full funding is very difficult to qualify for, and she won’t get it purely on the basis of a dementia diagnosis. 

    https://www.nhs.uk/conditions/social-care-and-support-guide/money-work-and-benefits/nhs-continuing-healthcare/

    He/she should ask for the checklist as a starting point though.

    Once her assets drop to 23 1/2 K then the state will kick in and start picking up on a taper basis, which it sounds like you already know. 
    How long does he think it will take to get to that point as things stand?


    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.
  • OutdoorQueen
    OutdoorQueen Posts: 74
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    edited 20 November 2023 at 10:17PM
    The local branch of the Alzheimer’s Society or Dementia UK may be able to offer further suggestions.  Staff can be very knowledgeable.   Some areas also have Admiral Nurses - nurses to support those with dementia.   

  • No Attendance allowance being claimed at present, probably most of her assets are in ISAs for the obvious reason.
    Things are moving very fast and she may well qualify for some of the nursing costs due to complications.
    Definitely a horrible time for them
    Paul  
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