Mandatory disregard and care home fees.

Karonher

Hi

I am not sure of this is the right place to post but can't think where else to go. 

By the end of this year we will have to go to the council for help with dads care home fees. He started as CHC and is now self funding. I'll be 63 and the house is the only home I have ever lived in but he is the owner.

I have been told it is a mandatory disregard but am worried that they will want to see my finances and say I can afford to go somewhere else. I'd have to rent as I would never get a mortgage.

Does anyone know if there are times this happens or is it just a disregard without conditons? I've put money into the house by way of repairs and updates and am planning to put more in but dont want to if they are just going to take it.

Any help would be appreciated including moving this to a more suitable place.

thanks

elsien

Nope, no financial assessment of your circumstances at all. Fully disregarded because you are over 60.

https://www.ageuk.org.uk/siteassets/documents/factsheets/fs38_property_and_paying_for_residential_care_fcs.pdf

Keep_pedalling

As above it will be disregarded so you will not lose your home.

Do you now have council tax in your name and are you claiming the single occupant discount?

Is your father receiving attendance allowance? If not you should apply as he is entitled to it while he is self funding. 

Karonher

Thanks for the answers. Council tax will be going into ny name for the next bill and he has been getting attendance allowance. Yes the single person discount is in place after a monumental mess up by the council last year, I feel beter now..

Savvy_Sue

BTW, note that 'they' won't automatically assume they'll have to disregard the home. We have an assessment stating that our relative has enough money to have to pay for now, and owns their own home. I've suggested that either now or when we get closer to the limit, we should write to point out that the home will have to be disregarded because of the 60+ child living in it. We haven't lost sleep over it ... 

Karonher

Thanks for that. I have lost sleep as I wasn't sure that just being over 60 and having always lived there would be enough.

Savvy_Sue

Karonher said:

Thanks for that. I have lost sleep as I wasn't sure that just being over 60 and having always lived there would be enough.

I don't even think you'd have to have lived there always! Just be living there now.

Karonher

Thanks - it was with not being financially dependant on him,

Savvy_Sue

Karonher said:

Thanks - it was with not being financially dependant on him,

Understood. I think financial dependency may be considered for someone under 60, I know that disability under 60 would be taken into account.