Home carer payments and deprivation of assets

Options
alankearn
alankearn Posts: 118 Forumite
First Anniversary First Post
in Disability money matters
Some time in the future my wife may have to go into a care home, she has savngs of £80,000 that will be taken to help fund her  care home costs.
At present we are going to get some home carer help, if the payment for this is taken out of her £80,00  will this be classed as deprivation of assets

Thanks
«1

Comments

  • Keep_pedalling
    Keep_pedalling Posts: 16,645 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Options
    Sorry you find yourselves in this position, but no, this is not deprivation of assets. Is she getting attendance allowance? If not you should look at applying it’s not means tested and will help cover her care costs. 
  • Brie
    Brie Posts: 10,056 Forumite
    Photogenic First Post Name Dropper First Anniversary
    Options
    If it's a known care provider (Prama, HomeInstead, etc) then the council won't care about this and wouldn't consider it deprivation of assets.  If it's a family member being paid to provide care they might take a closer look.  To avoid any issues with this it's best to have something like a contract/letter of agreement that outlines what is being provided by whom and the hours etc.  That said they didn't blink at my OH withdrawing money from her bank account for occasional treats for her/us/him.  Something that can support someone staying in their own home is easy enough to justify as it's much cheaper than them living in a care home.
    "Never retract, never explain, never apologise; get things done and let them howl.”
  • Albermarle
    Albermarle Posts: 22,190 Forumite
    First Anniversary First Post Name Dropper
    Options
    alankearn said:
    Some time in the future my wife may have to go into a care home, she has savngs of £80,000 that will be taken to help fund her  care home costs.
    At present we are going to get some home carer help, if the payment for this is taken out of her £80,00  will this be classed as deprivation of assets

    Thanks
    All care costs, whether at home or in care home are assessed in the same way.
  • Albermarle
    Albermarle Posts: 22,190 Forumite
    First Anniversary First Post Name Dropper
    Options
    Brie said:
    If it's a known care provider (Prama, HomeInstead, etc) then the council won't care about this and wouldn't consider it deprivation of assets.  If it's a family member being paid to provide care they might take a closer look.  To avoid any issues with this it's best to have something like a contract/letter of agreement that outlines what is being provided by whom and the hours etc.  That said they didn't blink at my OH withdrawing money from her bank account for occasional treats for her/us/him.  Something that can support someone staying in their own home is easy enough to justify as it's much cheaper than them living in a care home.
    It is a good point, Another way to deal with this, is to get a social services care assessment done. Even if they say she needs care but as you have £80K you will have to pay for it, then you are fully covered in case of any future questions. Also it is not a bad idea to get on their books, even if they do not supply any care directly.
  • alankearn
    alankearn Posts: 118 Forumite
    First Anniversary First Post
    Options
    Keep_pedalling said:
    Sorry you find yourselves in this position, but no, this is not deprivation of assets. Is she getting attendance allowance? If not you should look at applying it’s not means tested and will help cover her care costs. 

    Yes she does have the top rate of attendance allowance
  • alankearn
    alankearn Posts: 118 Forumite
    First Anniversary First Post
    Options
    Albermarle said:
    Brie said:
    If it's a known care provider (Prama, HomeInstead, etc) then the council won't care about this and wouldn't consider it deprivation of assets.  If it's a family member being paid to provide care they might take a closer look.  To avoid any issues with this it's best to have something like a contract/letter of agreement that outlines what is being provided by whom and the hours etc.  That said they didn't blink at my OH withdrawing money from her bank account for occasional treats for her/us/him.  Something that can support someone staying in their own home is easy enough to justify as it's much cheaper than them living in a care home.
    It is a good point, Another way to deal with this, is to get a social services care assessment done. Even if they say she needs care but as you have £80K you will have to pay for it, then you are fully covered in case of any future questions. Also it is not a bad idea to get on their books, even if they do not supply any care directly.

    Thanks for your advice
  • alankearn
    alankearn Posts: 118 Forumite
    First Anniversary First Post
    Options
    The title says it all
  • la531983
    la531983 Posts: 1,863 Forumite
    First Post Name Dropper
    edited 10 January at 4:36PM
    Options
    Replied to what?
  • frugalmacdugal
    frugalmacdugal Posts: 10,077 Forumite
    Name Dropper First Post Photogenic First Anniversary
    edited 10 January at 4:36PM
    Options
    Hi.
    could've been this thread.
  • alankearn
    alankearn Posts: 118 Forumite
    First Anniversary First Post
    edited 10 January at 4:36PM
    Options
    la531983 said:
    Replied to what?

    Whoops, 
    but I think the members who replied will know
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.3K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 248K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards