Help with calculating care home fees

[KittensSchmittens]

My DM has a pension of £4500 a month, she would also be eligible for attendance allowance but she doesn't currently claim it.

She has no savings.

She owns half a house (her half worth about £400k), the other half is held in a Trust.

She has dementia so we would need full nursing home care. Would £4800 per month be enough for a nursing home? She can't sell the house as she doesn't fully own it. Would the council put a charge on it? If so is it just for the portion of fees that the pension doesn't cover? Do they leave her with any spending money?

TIA

She has assets of at least 400k
She has ££££ pension

So
Assume self funding
Claim attendance allowance
Speak to the trustees sell the house put her 400k in bank and Interest plus her pension plus attendance allowance should cover most of the fees each month Slowly eating into capital

But yes where is the 4500 going each month? Is she already funding full time carers?

I understand the house can't be sold but could it be rented out. My mums was rented out when she had to go into a care home. It took a lot of effort and we made the decision to let an estate agent manage the property. Yes a cost occurs in that case but they ensure all bills are paid, references are checked, they also carry out regular checks to ensure the tenant is looking after the property and if something needs fixing, they will arrange and use one of their trusted contractors ( after getting the ok from us first).

Hi, sorry didn't realise there were more replies to this.

Yes, potentially the property could be rented out. I am now wondering if this is a better option than a deferred payment arrangement.

To those asking why she has such a large pension - she worked in the public sector for 40 years, deferred her state pension for 8 years and also has a percentage of my father's public sector pension.

She doesn't have any savings because she has always spent the money she has and now she has dementia so she gives all her money to scammers. I am applying for POA, but the scamming is very difficult to prevent before I have it in place.

Surely the trustees would agree to the sale of the house if she goes into a home? Just leaving it empty seems ridiculous. So I'd get the trustees on side, sell the house, get a good IFA to get maximum return on her £400k.

She needs capacity for you to get POA

@Kitkat1523 she completed the paperwork years ago, we're registering it. A diagnosis of dementia doesn't mean you have lost capacity for all decisions either.

I never said it did🙄