Please or to access all these features

Elderly parents

At home, no capacity and no deputyship - access to money

233 replies

roundaboutthehillsareshining · 22/07/2025 08:39

So my elderly relative is being discharged home with a care package. Fine, it's what she wants and it's the least restrictive option, so it's got to happen this way (even if it falls apart in a few months and she ends up back in hospital for 6 months). Anyway, there's nothing physically wrong and no dementia. Her team believe she has a new functional MH condition, but that can't be diagnosed in hospital and she won't engage with community care, so that's a dead end.

However, it's likely she's going to be found to lack capacity to manage her financial affairs. Her bank account set up is hopelessly complicated (at her choice) and can only be administered in branch, which she's not going to be able to access.

So if she's at home, and unable to access money, how does she pay for food etc until the deputyship comes through? The family can't afford to subsidise her, she isn't eligible for benefits as she's got money coming in, she just can't access it. So what happens? Anyone been in this situation before?

OP posts:
New posts on this thread. Refresh page
ItsDdayalloveragain · 28/08/2025 07:29

If the hospital let her go home it’s an unsafe discharge, she may end up back in hospital and it’s then called a failed discharge. This sort of thing happens a lot. You will need to step back, let the shit hit the fan (this is the hardest bit to do for you) and let SS take over. Safeguarding will be enforced and she will have to go into care because she cannot run her own house herself. Mental care acts come into play if she refuses a care home. It’s tough, really tough for all involved. But she is refusing help. She needs food and bills to be paid. A charge will be put on the house.
one last chance is to say to her plainly, when she is more lucid, you need more help than I can give, do you want SS to make all your decisions or do you want me to?? Her answer cannot be ‘nobody’, and if it is then report it back to SS. Please remember SS want you to take over as its one less person on their books! But from how you are explaining things, it may be the best option. Good luck

JanFebAndOnwards · 24/08/2025 13:41

Thanks

myplace · 24/08/2025 08:58

We’re close to this stage with DM. I do empathise and am following with interest. I suspect things will have to fail catastrophically and an altogether ‘less than good’ set up will occur.

All of which could be avoided if DM was less obstreperous.

She’s setting herself up for a random from the LA to make decisions for her, rather than a family member.

Thingamebobwotsit · 24/08/2025 08:43

Yep same here. Social worker has to step in. But again, if the relative refuses and is deemed as having capacity, then they will need to grant the GP permission.

This doesn't stop the carers, reporting their concerns directly with the GP, however. They just can't be involved in discussions with the GP. The GP can then pick this up with you or the social care team. Encourage the care team to email the GP and Social worker. The carers are unlikely to do this themselves so try and get hold of their manager.

JanFebAndOnwards · 22/08/2025 07:14

Another problem I discovered yesterday: the GP surgery have me down as having permission to discuss my relative’s medical matters and make appts etc, because they (relative) signed a letter granting this two years ago.

The new carers tried to make an appt (to discuss the fact that he’s not consistently taking his medication, not allowing carers to monitor it) and we’re told they couldn’t, no permission.

I rang, I can’t grant permission as don’t have POA. Relative has to give permission, but will not unless we catch him on an extremely “good”/ confused day!

Have emailed social worker handing that problem to her.

Again, other patients must be in this kind of situation: what happens?

JanglyBeads · 13/08/2025 13:56

Indeed OP! But that's great news, I'm glad for you. Yeah I was surprised when my visitor told me this morning that the LA had appointees too - they expressly didn't tell me that!

Oh and have found out there is a charge for appointeeship, about £70-80 a month.

oviraptor21 · 13/08/2025 13:55

I was just coming here to post that provision of meals via shopping and preparing food can absolutely be part of the care package and that it will be added to the care bill. The adult social care team will do a financial assessment and likely recoup the costs.

Im sorry it took you so long to get that answer from your relative's social services. I hope all goes well for you and them and you get a solution that works for you all.

roundaboutthehillsareshining · 13/08/2025 13:40

So we have had some progress, essentially SS are going to loan a designated amount of money per week and designate a care slot for shopping, so the money is used on food shopping with support to access the shops. What that looks like in practice remains to be seen, as this is a very rural area and the nearest supermarket is 30-45 minutes away. But it is an answer, and a very helpful one. Then the loan will be paid back once deputyship is granted and the financial assessment can be done. So much stress could have been saved if they'd offered this as an option at the beginning!

OP posts:
JanglyBeads · 13/08/2025 13:11

I "hearted" that post not for the huge difficulties described but for your dedication!

Main update which I felt I had to post here asap after meeting Age UK guy - his role / office (Appointeeship Coordinator) only exists in Northants, Coventry and Warks, sadly. However all local authorities have staff who can perform the appointeeship role, so ask social services about it if your relative is in another county.

Most Age UK charities do offer money management services though - eg taking someone to a cash point if they can't otherwise access cash, assisting with paying bills etc. But they can only help ie the individual has to clearly have capacity.

BeaTwix · 12/08/2025 23:21

Sympathies.

I at least have PoA. And one that lets me act if I believe EPICF (elderly person i care for) to have lost capacity. Which I do for lots of things especially deciding whether or not they can still safely live at home.

However, they are fronting really well and confabulate amazingly. Other PoA and I had a big sit down chat about "the future" with them and it was most illuminating. Apparently I've done nothing over the last year as EPICF has done everything.

Especially the tasks I've struggled with eg. getting their falls alarm reconnected after digital voice knocked it out. The were able to describe in great detail how they had managed this. If I didn't know better I would completely have believed them. Except it was me who did it including complaining to the ombudsman!

It does partially explain why the professionals involved keep making what seem like mad decisions to us. And of course the other attorney (my Bro) thinks it's hilarious that I'm getting zero credit ... and if EPICF wasn't taking the credit themselves they were giving it to him.

When actually he will openly admit he has done fuck all except agree some big expenditures with me and give me the odd glass of whisky after a particularly fraught day.

JanglyBeads · 12/08/2025 19:45

I have arranged to meet with the Age UK Appointeeship Coordinator tomorrow (at my house, very accommodating guy!)

I will update here.

I need to ask things like, "How do we pay for essential repairs to my relative's roof, there won't be enough in the appointee account for that, but there will be in the other (presumably dormant) account, into which his workplace pensions will continue to be paid?"

TheGentleButFirmMadonna · 08/08/2025 12:35

FusionChefGeoff · 06/08/2025 23:37

Sounds like you have to let her fail. Let her go hungry. Until such time as she consents for someone else to help her??

And may be this is all the old woman wants, to live a bit her life

Thingamebobwotsit · 08/08/2025 10:14

roundaboutthehillsareshining · 08/08/2025 08:52

Social services have already stepped in - this is the fourth crisis now, so finally it seems they are motivated to act. But there's no MH diagnosis, and the hospital psychiatry team have told us they don't see elderly patients for new non dementia diagnoses. She'd have to go through her GP and the community team to access a diagnosis, and that's just not going to happen as she won't voluntarily engage with any of those services. .

You are in that no man's land then until she is so ill they can't not step in, I am afraid. DM was exactly the same. There isn't a sensible shortcut.

Also, Social Services stepping in where you are now, is very different to when there is a crisis and an admission to a residential setting. Up until that point the person is free to choose. At the point of real crisis, social services can legally assess them as needing to be deprived of their liberties and to not return home. How long it takes to reach that point with your relative is anyone's guess.

Good luck.

JanFebAndOnwards · 08/08/2025 10:03

Can you keep using the term SOVA - Safeguarding Of Vulnerable Adults - this is a SOVA situation? This means you or professionals can act without her consent, as I understand it. As a PP said, self neglect is a safeguarding issue.

But I understand these sort of situations are very nuanced and difficult, and professionals have to act within a) their rules and b) their budgets….

roundaboutthehillsareshining · 08/08/2025 08:52

Thingamebobwotsit · 07/08/2025 08:53

DWP won't do anything in the circumstances you describe. But they may make a referral back to adult social care on your relative's behalf. It will send you round the houses again, but it all adds to the evidence based that they can't cope - meaning that eventually social services will have to step in.

If they are functional but with MH issues, has there been a formal diagnosis and is there a MH liaison nurse/crisis team in place? If so, I would be pushing there rather than GP. If not, then you need to keep badgering the GP for a referral and keep stating safeguarding concerns (neglect is a safeguarding issue by the way, as is self-neglect).

Early stage dementia and MH issues are often very similar, and pushing to go one route over another complicates getting the right help at the right time. We had that issue with DM. But they do exist as co-morbid conditions and a switched on GP or social care team should know this so don't lose sight of the pre-exusting conditions too.

Social services have already stepped in - this is the fourth crisis now, so finally it seems they are motivated to act. But there's no MH diagnosis, and the hospital psychiatry team have told us they don't see elderly patients for new non dementia diagnoses. She'd have to go through her GP and the community team to access a diagnosis, and that's just not going to happen as she won't voluntarily engage with any of those services. .

OP posts:
BooneyBeautiful · 07/08/2025 18:50

roundaboutthehillsareshining · 06/08/2025 22:10

In what way? I'm genuinely curious. And to an extent I agree with you, while she's in hospital, she's warm, safe, fed and clean. None of those things are certain after discharge, and none of those things have been true in the weeks following past discharges. Do I want her to go home? No. But we are where we are, it's not my choice.

So maybe this is another question - what happens at an appointeeship interview with the DWP and what, if anything, do we need to set up in advance because there is a risk of abuse and possibly violence? Also, how do we tell the DWP about the formal capacity decision, as there's no space on the form? Surely they need to know that the person they are seeing has been deemed to lack capacity under the MCA?

You can print off and attach any additional information you think the DWP needs, in addition to any hospital letters, prescription list etc. Not sure how effective it will be in your particular circumstances, but it's definitely worth a try!

Thingamebobwotsit · 07/08/2025 08:53

DWP won't do anything in the circumstances you describe. But they may make a referral back to adult social care on your relative's behalf. It will send you round the houses again, but it all adds to the evidence based that they can't cope - meaning that eventually social services will have to step in.

If they are functional but with MH issues, has there been a formal diagnosis and is there a MH liaison nurse/crisis team in place? If so, I would be pushing there rather than GP. If not, then you need to keep badgering the GP for a referral and keep stating safeguarding concerns (neglect is a safeguarding issue by the way, as is self-neglect).

Early stage dementia and MH issues are often very similar, and pushing to go one route over another complicates getting the right help at the right time. We had that issue with DM. But they do exist as co-morbid conditions and a switched on GP or social care team should know this so don't lose sight of the pre-exusting conditions too.

FusionChefGeoff · 06/08/2025 23:37

Sounds like you have to let her fail. Let her go hungry. Until such time as she consents for someone else to help her??

JanFebAndOnwards · 06/08/2025 23:28

Hopefully the specialist team will be of use for you tmrw.
We have a dx thank goodness.

JanFebAndOnwards · 06/08/2025 23:27

Well that’s what I’ve just done, but not with the DWP yet. The Age UK Officer must be confident that the DWP won’t raise any objections. Am not sure whether they’ll even directly speak to my relative as there’s been a MCA for finances

roundaboutthehillsareshining · 06/08/2025 22:20

JanFebAndOnwards · 06/08/2025 22:14

Ring your local (or any?) Age UK Appointeeship Officer and ask them OP. They have a national helpline (and online advice too). They know about this stuff, in detail.
I think the DWP may be more canny about this than you’re imagining.

We tried today with the Age UK helpline, they aren't certain they can advise in these circumstances (undiagnosed functional MH, no age related illness), but have given us a different number to make an appointment with one of their specialist teams, so will get on to that.

I may be being unreasonable about the DWP, my interaction with them has been PIP/DLA related (professional) and that was never a happy or constructive experience. But maybe they're better with this stuff....

It would just be great to hear from anyone who's been through the appointeeship experience with someone who has some cognition and "front", so we know what to expect...

OP posts:
JanFebAndOnwards · 06/08/2025 22:17

(He doesn’t know why he has two carers, mind you!)

JanFebAndOnwards · 06/08/2025 22:17

Report safeguarding concerns (for her or by her) to social services.

My relative has ended up with two carers for every visit because of his occasional aggression. I thought that would make him more liable to get angry but he seems to have accepted it at the moment.

JanFebAndOnwards · 06/08/2025 22:14

Ring your local (or any?) Age UK Appointeeship Officer and ask them OP. They have a national helpline (and online advice too). They know about this stuff, in detail.
I think the DWP may be more canny about this than you’re imagining.

roundaboutthehillsareshining · 06/08/2025 22:10

TheGentleButFirmMadonna · 06/08/2025 22:07

Oukey, you are still beating around the bush

In what way? I'm genuinely curious. And to an extent I agree with you, while she's in hospital, she's warm, safe, fed and clean. None of those things are certain after discharge, and none of those things have been true in the weeks following past discharges. Do I want her to go home? No. But we are where we are, it's not my choice.

So maybe this is another question - what happens at an appointeeship interview with the DWP and what, if anything, do we need to set up in advance because there is a risk of abuse and possibly violence? Also, how do we tell the DWP about the formal capacity decision, as there's no space on the form? Surely they need to know that the person they are seeing has been deemed to lack capacity under the MCA?

OP posts:
Swipe left for the next trending thread