If a parent goes into a care home will the LA come for some of the money from the sale of their house?

Yeah, you’re virtually a super hero for bullying a woman with a sick mother on the internet

your family must be very proud

Insensitive to point out that someone else pays when you make plans to move money to avoid paying for parents own care when they can easily afford it, or factually correct. Too many people with lots of money wish to avoid paying their way snd letting the taxpayers pay will also denigrate people on benefits. The country cannot afford everyone moving money yo avoid paying fir their own care needs. I'll own my opinion because its what they are doing avoiding paying for mum.

Slow handclap for your tone deaf insensitivity

pat on the back for you, what a marvellous person you are

Your own words

"My parents investments were changed after mum's diagnosis in 2018 and most of them are now in dad's name (all done under the financial advisor's advice). There is a fairly good chunk under mum's name but this wouldn't last too long if mum went into a care home tbh."

Moved investments into dads name so no care fees paid from her investments. Its legal tax avoidance. Now you want to avoid paying care costs for your mum going forward. Hence let someone else (poor taxoayers) pay for your mum. It is what it is. Own it, get advice and let others pay going forward.

Once the remaining partner (who is currently living in the house) dies?

I am not sure if I should have placed this thread in the Money matters section but thought there may be some people on here who have gone through this.

I am a bit confused following a meeting with my parents finanical advisor.

Mum has Alzheimer;'s, it's been 7 years since her diagnosis. She lives at home with my dad and between my dad, my sister and myself we have been helping to look after her. However, following an awful fall in June and subsequent hospital stay mum's dementia has progressed rapidly and she is now double incontinent and can only walk aided and even that is tricky. We now have private carers who come in 3 times a day.

We are hoping to keep mum at home for as long as possible but we are aware we are on borrowed time and there will come a point when the home carers are not enough and we will not be able to cope, at this point we will have no choice but to look into care homes.

Mum and dad have investments. Because of mum's recent change in circumstances Dad and I had a meeting with his financial advisor yesterday. My parents investments were changed after mum's diagnosis in 2018 and most of them are now in dad's name (all done under the financial advisor's advice). There is a fairly good chunk under mum's name but this wouldn't last too long if mum went into a care home tbh.

The financial advisor said as soon as mum's investments fall to below the £23,250 threshold the LA will step in and pay (obviously that will be after a full assessment).

Mum and dad own their own home and I know the LA can not force any sale of the house whilst dad is alive and resisding there but I was under the belief that if dad were to die or mum ran up a care bill which exceeded the amount she has in investments then the LA can take the remainding figure from the sale of the house (after dad passes away or if he were to die whilst mum is still in care). The financial advisor says this would not happen.

I am a bit confused as I hear constant stories of people in care homes having to sell their homes to pay for the fees or a large chunk taken out from the sale of a house once the remaining partner passes away and leaves the house empty.

Does anyone have any experience of this sort of issue?

Should also add that my dad's side of things are all in trusts, this was set up by their solicitor.

Don't let these posters bug you. It is very clear that the financial shenanigans are nothing to do with you and emanate from your father and are his responsibility.
I am so sorry to hear of the toll all this has taken on you. When your mum goes into her home, do take some time for yourself ... you both deserve and need it.

That's exactly it, well done you for hitting the nail on the head, bravo.

Yes, I've spent the last 7 years caring for my mother, cleaning her up after she's soiled herself, crying my eyes out every time she looks at me blankly and asks who I am, slowly becoming more unwell because the stress has exacerbated my chronic health issues all because I can't wait to get my hands on my parents money. Yes, I'm hoping the tax payer (including my own DH) will foot the bill because I am so materialistic that I can't wait to get my hands on that money and buy buy buy.

How very perceptive of you.

Oh the irony of that two posts above, one after the other

aren’t some people total dicks on the internet?

Was it only yesterday that there was a thread about disabled people claiming PIP being workshy scroungers? Spending my taxes seems to be ok if the money goes to the well off but not if the poor benefit.

Well I'd imagine they would as it's an asset. It wouldn't be fair for you to keep the money from the house while the taxpayer funds your mum's care.

That's exactly it, well done you for hitting the nail on the head, bravo.

Yes, I've spent the last 7 years caring for my mother, cleaning her up after she's soiled herself, crying my eyes out every time she looks at me blankly and asks who I am, slowly becoming more unwell because the stress has exacerbated my chronic health issues all because I can't wait to get my hands on my parents money. Yes, I'm hoping the tax payer (including my own DH) will foot the bill because I am so materialistic that I can't wait to get my hands on that money and buy buy buy.

How very perceptive of you.

The legal charge on the property would basically mean that when your father dies the LA can recoup money owed to them that was not paid because the house could not be sold while he had need of it as his main dwelling.

Yes they are. CHC is a non-means tested health service funding stream and retirement or other pensions are irrelevant.

Apologies for hijacking the thread, but if someone is fully funded via CHC, are they still entitled to the state pension?

This is not true. While OPs dad is living there the house is ignored. No charge will be put on it.