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Elderly parents

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

167 replies

Thebluespoon · 11/09/2025 09:01

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.

OP posts:
Onekissisallittakes · 11/09/2025 14:51

Someone already mentioned it here but the biggest issue is that she goes into a care home that you have all chosen fit for her, she pays with her own money and then that runs out, and then the LA have the right to move her into a crappier care home which is cheaper. And trust me u do not want that and you'll struggle to have a say. So I reckon you're dad might end up paying for her care home anyway if he wants her to stay in the care home he chose for her. If not, then, well I'm not gonna say what kind of man he would be.

BernardBlacksMolluscs · 11/09/2025 14:41

Blimey people are self righteous, unpleasant and tone deaf on the internet aren’t they? Any excuse to put the boot into a woman who has given up her job to care for her very ill mother and is just looking for advice

slow handclaps all round

ScrollingLeaves · 11/09/2025 14:40

Thebluespoon · 11/09/2025 10:56

As I explained earlier, I have not set up this trust or encouraged my father to do so either. He did this some years ago following the advice of his solicitor. Neither my sister nor I have asked him for anything. He has decided this himself and I can not overturn his decision, I simply sit at the meetings and take notes for him.

I own my own house, have my own money. I wish for nothing financially from my parents.

And you have given up work, bringing all the implications of that, to care for your DM.

Bateson · 11/09/2025 14:37

limescale · 11/09/2025 10:26

Wouldn’t your dad willingly and morally wish to pay for his wife’s care if he has considerable assets?

No. Nobody would want to pay tens of thousands for care if they could possibly avoid it, and neither would you I suspect.

WhatNextBanana · 11/09/2025 14:33

Somersetbaker · 11/09/2025 12:49

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.

Indeed it does. Double standards at play.

limescale · 11/09/2025 14:33

Thebluespoon · 11/09/2025 14:02

That's my worry and as she is nearer to the advanced stages of her Alzheimer's journey we will definitely be looking at care homes with nursing facilities.

It's likely she may need a secure dementia wing.
My MIL spent her last months there (she was under a Section so the LA paid).
The wing is part of the home that my FIL is in and I did note that there was more continuity of care in the dementia wing. I suppose they require staff with higher levels of training and thus it is easier to retain staff.
Despite my FIL's £8000 monthly fees the turn over of staff is huge. They might get fabric napkins and fresh flowers in the foyer but you never know who'll be caring for him from one week to the next.

WhatNextBanana · 11/09/2025 14:32

DiscoBob · 11/09/2025 14:10

I fail to see why my comment was pulled? If someone was deliberately trying to get out of paying care fees in order to pass on a massive inheritance then that would be out of order. And I wasn't the only one to say it.

I understand OP is just going along with her dad's wishes but it's on morally shaky ground.

Edited

Morally wrong but lots of people with money/assets etc don't want to pay from their money/assets and want others to pay instead, including people with little in assets paying tax so that an inheritance can be passed on. It's a greed filled world we live in.

WhatNextBanana · 11/09/2025 14:30

Thebluespoon · 11/09/2025 09:01

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.

So basically you want to avoid paying for any care associated with your mother and have others pay for her care even though your parents have investments are other assets. So someone with no assets taxed on their job should pay towards your mother's costs - so you can spend it all on yourself maybe?

zacsGranny · 11/09/2025 14:22

OP, I feel for you, having been in similar situations twice so far.
My FIL had dementia, but also lung cancer. He was awarded CHC because of his medical needs, and because his prognosis was that he had less than 12 weeks to life, so essentially needed end of life care.
Sadly, he only lasted 7 weeks.

My mother had dementia, but as she was 99, I was told that they don't give a dementia diagnosis to anyone over 90. This is to avoid any funding issues, so we weren't able to claim anything. My father had died several years earlier, so my mother's house had to be sold to pay for her care. As I looked after her finances, it fell to me to complete all the forms for the financial assessment. They did go back seven years, and we had to pay the full care costs for the 2.5 years she lived there.

My best advice when looking at care homes. Ignore the posh carpets and curtains. Take notice of the smell of the place. Talk to staff, especially the manager, who can make or break a place. And speak to the local vicar, who is likely to be a regular visitor. I spoke to one who said she had stopped visiting one home as the staff just used her as a babysitter whilst they went for a smoke break!

Good luck OP.

DiscoBob · 11/09/2025 14:10

I fail to see why my comment was pulled? If someone was deliberately trying to get out of paying care fees in order to pass on a massive inheritance then that would be out of order. And I wasn't the only one to say it.

I understand OP is just going along with her dad's wishes but it's on morally shaky ground.

gfaorrmeirnr · 11/09/2025 14:04

OLDERME · 11/09/2025 13:53

In Scotland, LA's go back 7 years for a financial assessment. Investments etc. prior to then will not be taken into account, however interest from anything will be counted. I don't know about other areas, but you should find out.

Do they? We have never been asked for anything other than present finances. I suppose if they suspect deprivation they might check but there is no time limit for that.

Thebluespoon · 11/09/2025 14:02

Mischance · 11/09/2025 13:56

Please bear in mind that it is possible that your mum may not be accepted in a residential home but might need a nursing home with her level of care needs. And you have to factor in potential deterioration (sorry) as you do not want her being moved around once she is settled, if the home cannot meet her needs.

Some residential and nursing homes have special facilities for people with dementia, so look out for that.

That's my worry and as she is nearer to the advanced stages of her Alzheimer's journey we will definitely be looking at care homes with nursing facilities.

OP posts:
Thebluespoon · 11/09/2025 14:00

BernardBlacksMolluscs · 11/09/2025 13:46

I know you will feel sad, but It will also be a big weight off your shoulders when she moves

suddenly all those logistical tasks you’ve been doing like filling prescriptions, organising personal care etc will all be taken care of. You will get some bandwidth back and a bit of breathing space. Your mum would not want you to be in the stressed place you describe

Tbh, after 7 long years I could really do with getting my own life back on track. As sad as I will be to see mum in care as long as it's good care and she is happy then I can't ask for more than that.

OP posts:
Thebluespoon · 11/09/2025 13:58

justasking111 · 11/09/2025 13:46

In our council in Wales that would be considered deliberate deprivation because your mother had the diagnosis before this was set up. Our council would fight it. However,, I've zilch ideas what happens in England or Scotland.

We are in England and have always assumed (and hoped) all the information and advice we have been given by the FA and solicitor has been legal and correct.

OP posts:
Thebluespoon · 11/09/2025 13:56

LupaMoonhowl · 11/09/2025 13:41

This!
Amazing how many people are keen to avoid paying their own way! Why should struggling young tax payers pay for care that the elderly have means to pay for themselves!!!

I haven't once said we are trying to avoid paying anything.

Every financial decision we have made has been based on the legal advice given to us by the solicitor and FA (they are not connected to each other in any way).

OP posts:
Mischance · 11/09/2025 13:56

Please bear in mind that it is possible that your mum may not be accepted in a residential home but might need a nursing home with her level of care needs. And you have to factor in potential deterioration (sorry) as you do not want her being moved around once she is settled, if the home cannot meet her needs.

Some residential and nursing homes have special facilities for people with dementia, so look out for that.

justasking111 · 11/09/2025 13:54

Try not to worry your dad won't be made homeless. However, he may need to go into a home one day so you'll be paying for both. Our council expect the house to be sold at this stage.

OLDERME · 11/09/2025 13:53

In Scotland, LA's go back 7 years for a financial assessment. Investments etc. prior to then will not be taken into account, however interest from anything will be counted. I don't know about other areas, but you should find out.

BernardBlacksMolluscs · 11/09/2025 13:46

Thebluespoon · 11/09/2025 13:26

Thank you. We are going to start viewing care homes next month so hopefully we can find the perfect one for her.

I know you will feel sad, but It will also be a big weight off your shoulders when she moves

suddenly all those logistical tasks you’ve been doing like filling prescriptions, organising personal care etc will all be taken care of. You will get some bandwidth back and a bit of breathing space. Your mum would not want you to be in the stressed place you describe

justasking111 · 11/09/2025 13:46

Summerhillsquare · 11/09/2025 09:50

So your family with a financial advisor and solicitor arranged money including setting up trusts so that you could avoid paying for care home fees?

In our council in Wales that would be considered deliberate deprivation because your mother had the diagnosis before this was set up. Our council would fight it. However,, I've zilch ideas what happens in England or Scotland.

LupaMoonhowl · 11/09/2025 13:41

DiscoBob · 11/09/2025 10:14

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.

This!
Amazing how many people are keen to avoid paying their own way! Why should struggling young tax payers pay for care that the elderly have means to pay for themselves!!!

gfaorrmeirnr · 11/09/2025 13:29

The council will do a financial assessment when the time comes and yes the house will be included.

Thebluespoon · 11/09/2025 13:28

Thank you heybabeyourhairsalright

OP posts:
Thebluespoon · 11/09/2025 13:26

BernardBlacksMolluscs · 11/09/2025 12:53

jeez louise OP, do try to ignore the insensitive twerps putting in their two penneth

I agree with the person upthread who said try to not to worry about future financials.

if you've decided that it's time for your mum to go into residential care and she can self fund for now, I'd concentrate on getting her into the best home you can find.

Your Dad can't be forced to sell his home to fund her care, so while he's alive he will always have somewhere to live which is the key point.

I know how stressful this is, do try to take care of yourself

Edited

Thank you. We are going to start viewing care homes next month so hopefully we can find the perfect one for her.

OP posts:
Crikeyalmighty · 11/09/2025 13:22

If they have a great deal of equity then personally I would think if it’s fairer and better for her for your father to actually draw down a fixed sum via equity release ( types vary including ones you still pay the interest on) and actually have a care home that suits her needs and you feel comfortable about , rather than any old place that the LA ‘might’ put her in if not able to self fund. However might be worth checking out places you like and then using equity release to ‘top up’ between the cost and what LA might contribute once her own funds run out

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