T/o This thread raises questions. It started to be a concern
regarding an elderly neighbour. First, about diagnosis. If M.i.l. is to make a power of attorney (or two, )and a will, she must have capacity. So, presumably, she must not have been declared senile by her g.p.?? But, all advice is to get early diagnosis even though there's no treatment, and to use the senility diagnosis to push the council to assess her.? So, get diagnosis but only a good while after getting paperwork in order and registered?
Then, is the social worker assessment going to benefit anyone who has savings, so won't get council funded care workers anyway? This m.i.l is in a dwelling with no saleable value, but has modest bank account savings. She is in the worst position. If she lived in a million pound house with a partner, but with no savings, the taxpayers would fund everything. (It does seem unfair there isn't even a charge put against eventual sale of a valuable house).
Also, what if the s.s. just declare she is unsafe to live alone? Would that mean they would force her into a care home , however much she and the family object, and then charge her a huge premium on the fees, because of the punishment for savings meaning she pays her own, plus a surcharge towards the fees of other residents who were spendthrift (or crafty) so who have no visible savings and therefore pay nothing.? (Plus, now, the self funders must pay the extra covid costs, for extra cleaning, extra p.p.e)
It's infuriating there are as many billions as anyone wants, for anything at all, even HS2, but still, still, not one penny for social care, just twenty years of talk.
Sorry to crash your post. Your m.i.l is lucky to be loved and cared about. (The neighbour is alone in the world, so couldn't presumably have any p.o.a, unless a solicitor, who would perhaps charge a fortune and have no real interest in her welfare) Thanks for raising it. Really, we all should know about this stuff and prepare, but we don't.