so dm has been assessed as needing FT residential care due to dementia, she is currently in hospital and has a social worker assigned.
I have been NC with her for about 8 years (there are reasons) and my sister lives abroad. There is a house which can be sold, and I have been asked to clear it, which I can do. I've been round there once to collect what paperwork I could find, to pass on to an appointed solicitor who is going to apply for a Deputyship in the Court of Protection. I also looked at 2 care homes recommended by and at the request of the social worker, and chose one. So far so good.
However - the solicitor won't sign anything for the LA guaranteeing repayment of any care home fees, until the Deputyship comes through - around 6 months? The care home I chose has a scheme whereby they (not the LA) accrue the debt for the fees till the residence is sold, but Social Worker says they need me to sign as guarantor that I will repay the fees out of the sale of the house. Which raises various questions: -what if the house doesn't sell for ages and the care home get stroppy? -how can I guarantee repayment via a house sale, when the house, and any other assets, will be under the control of the solicitor anyway, so I am not actually connected to the ownership or selling of the house. - more in general, how would an LA proceed in this situation if a person literally has no relatives around? (I know that's not the case, but in effect it may as well be)
The house might be worth about £250k and I saw that there was about £10k in a bank account. Nothing more, unless I discover something while tidying. i.e I would say dm's assets excluding the house are below the £14k level that I've been reading about.
Are the LA just trying to avoid offering a deferred payment scheme to dm, and hoping that I will take up the slack instead with my own guarantee. They don't seem happy with the 6 month legal delay either but surely this is standard?
Feel like we're going in circles with them, anyone got any advice about what I should do or say next? Thanks in advance.....
I am completely, unqualified and don't entirely understand, but I see no one else has come along. I feel for you. My first thought is, don't sign! Don't put yourself on the hook. What's the worst that could happen? She stays in hospital a little longer.
I would be very wary. I have no legal experience either though. Will you definitely inherit from the sale of the house? Have you seen her will? What if there are debts that you don't know about? TBH I wouldn't stand guarantor unless the money was actually in my bank account.
I know you will be up the wall with paperwork etc but I am sure I have read somewhere (can't think where) that if your relative has been assessed as having dementia and needs FT care the cost is borne by the Authority not by anyone else,SWs are far to quick to get the paperwork tied up and done & dusted I know of a family who paid up front for 2 yrs and they appealed and everything was repaid when it was found the patient had dementia classed needs to specialist care,so certainly do not sign anything you need other specialist advice regarding this, I bet the solicitor makes sure his fee's are "ring fenced". Talk to Age UK they are very good.
Don't sign. As you say you do not have control. We had my father's power of attorney (he died at home so not your situation). If someone else had no way would I sign to guarantee something over which I have no control. The LA probably have a duty to look after her in a care home and will just have to wait for their money.
I think you need to decide whether or not you are going to continue being NC. By organising and sorting the home etc you have got yourself involved. Do you want to actually do any more?
If you weren't NC would you be as concerned about this asaspect? I just think that you went NC for a reason and now you are getting drawn back in. If you are happy with that then fine, but it won't stop once your mother is in the home as they will probably expect you to sort things for her - new clothes, labelling them, toiletries etc
you're right dragging . Because I'm the man on the ground (metaphorically) and have my " I'm capable " hat on, I'm getting more involved than expected. Good news though, the care home are happy to accept the LA as guarantor so it appears the major finances are sorted and a move is imminent.