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Elderly parents
Original poster

In care homeniw how to fund it!

30 replies

Silverbirch2 · 12/06/2022 18:48

Dh grandmother is now setting into a care home. Dh is awaiting POA and we with other family members are starting to look to the future as she has under £23000 savings that are going to disappear quickly. So we're looking at house sale. Anything we have missed? I'm thinking we need to sell asap to fund care.
Dh grandmother obviously still has capacity and understands what is going on and has agreed this needs to be done- (shes shocked at the cost of the home and sad she has to sell as she wanted to split it to give to family!)

OP posts:
Original poster
Silverbirch2 · 12/06/2022 19:17

Thank you all- seems complicated! And different family members doing different bits isnt helping 🙈

OP posts:
Original poster
Silverbirch2 · 12/06/2022 19:15

@MereDintofPandiculation she has £20000 savings does this make a difference? I think she had an assessment ...... care home is £750 a week so I'm guessing theres council top up?

OP posts:
CatDogMonkeyPOW · 12/06/2022 19:14

Get social services involved. They may be able to do a deferred payment scheme

www.moneyhelper.org.uk/en/family-and-care/long-term-care/deferred-payment-agreements-for-long-term-care

Thewayshetalks · 12/06/2022 19:10

I had social services involved with my grandmothers care, they advised me to sell her house and they would only get involved once that money ran out and she was down to below 23k, they then washed their hands of her and the money went down fast! I had to do an account with the care home on the promise of the house sale, once sold I paid them back the money owed, when her money ran out we did a financial assessment with social services and they advised what she needed to contribute per month from her pension, they get to keep around £23 a week, but her private pension was also subject to their assessment too so basically they take most of it. Good luck with it all, I found it all very difficult, selling the house was the easiest part for us.

MereDintofPandiculation · 12/06/2022 19:05

Have you had a financial assessment with Social Services? If they are involved I believe that payments can be paused until the house is sold.

Does she get Attendance Allowance? It’s not means tested, and provided she is fully funding, no local authority contribution, she can still get it while she’s in a care home. It’s not much compared with care home costs, but every little helps. The fact that you all feel a care home is necessary suggests she may be able to get it.

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