Live-in care funding

[Essentialunmentionable]

Mil has hit that point where the family can no longer cope, and she needs around-the-clock care. The family are exploring options and are considering getting a live-in carer - they would like to use MIL's savings to pay initially, with Social Services/ Local Council continuing to pay when her savings ran out.
Has anyone managed to make this work?

Really appreciate everyone taking the time to comment. The family have decided to direct their energies into trying to find a lovely care home for their Mum, which looks to be hard enough even if you are self-funding.

Perhaps it's worth comparing what live-in care looks like across different providers? It can really vary between agencies. On website like lottie.org you can compare home care providers and care home providers so maybe you could look at the cost of visiting care (depending on what she needs help with), overnight care, live in care and also residential care. I understand she's resistant to care homes but maybe if she sees what they're like (there's videos and pictures on the site too) she may open up to the idea - so many people have preconceptions of what care is like based on the horrors told in the news and what it was like in years gone by but there's some amazing care options out there.

Regarding her savings, once she gets below the upper capital threshold (23,250 if she's in england) that's when she'll start getting financial help from the council and they'll start offering a contribution. She can stay wit the provider she funded privately until then and they can pay her contribution via DD. When she gets below the lower capital limit (14,250 if she's in England) that's when she won't need to make any contribution anymore but note the council's contribution is unlikely going to cover the entirety of a private providers costs - you can either arrange for a top up from a loved one, move to a cheaper provider or try and negotiate with the local authority that's in mum's best interest to keep the present carer for continuity.

I hope this helps and she gets the support she needs.