Fil is in a right state and his Dd (my sil) has asked me to help as I’m apparentky good with this kind of stuff.
Long story short, he’d been caring for mil with dementia. This took a huge toll on his mental & physical health. He was rushed into hospital last summer and things come to a head. He’d been sticking his ear in the sand, refusing help etc but he reached crisis point a few weeks ago and mil went into respite care (long overdue). He then understandably said he didn’t want her back (she was violent, refused all personal care help, smelt of urine etc etc).
Anyway long story short she’s been assessed as having no capacity and requiring 24/7 care in a home. Someone came to do do a financial assessment.
They own their own house jointly (no mortgage) only worth about £45k needs a lot of work. They have some savings in the bank & individual ISA. Under the savings limit with regards to the care home fees but just over the limit for pension credit.
He’s received a letter that apparently says his pension is going to be reduced to £130 per week. I’m assuming it’s because he’s now going to be classed as a single person. He says he can’t live on that and will have to go back to work part time. (His knees are so bad he can’t walk without pain & he suffers angina, pancreatitis. He’s on anti depressants.
I’m getying him too bring al his financial paperwork for me to look through. Mil gets a small private pension but I don’t think he does though I can’t be sure. Also I’m assuming now the ISA in her name can’t go towards his income. Do we have to declare all the other savings or split them in half. I assume mild pension will go to the home (my nans did)
Are they any other things I should be investigating. I thought of attendance allowance but he doesn’t need help with personal care even though his knees & pancreas are shot. But he does neglect himself when he gets depressed. We do have him round as often as possible and cook him a meal etc.
He got single person council tax and mil wasn’t counted due to the dements. I’m assuming he will no longer get her attendance allowance now she’s in the home.