Query about Homecare Funding

[Upyermonkey]

My elderly person is self funding their home care.

At some point, their capital will drop below 23.5k and they will be eligible for some financial help from the local authority for this care.

I understand that the value of the house is not considered in the calculations for assistance with the cost of home carers.

As a homeowner, is this money eventually recouped from the deceased’s estate.

I’ve been unable to find the answer to this.

What country are you in?

Thanks, England.

Ok, my knowledge is Scotland specific so I'll leaver others to answer 😀.

Maybe worth a look on your council website too, my local one has loads of FAQ type info.

No it's not. And if one person goes into residential care it isn't either, if the other person is still living there. I had to look into these things recently.

Thanks - I’ve looked on there; I can find the answer to everything apart from that for some reason!

Thanks - we know the house will have to be sold if residential care is needed.

Hopeful bump

No you don’t have to pay, it’s worth starting the process to get accessed for state care when it looks like they will fall below the limit in 3 months or even longer, many councils have waits for assessments. Remember they may not assess for the same package as they already have

No the house won't be regarded for home care at all . It will be for residential/nursing care but not homecare.

And they don’t retrieve the money from the estate after death? Very surprised. Thank you

You do have to pay for homecare. You have a financial assessment as part of the process.
I'm on uc and pip and have to pay £109 a month out of that.

Not for homecare but do for residential.

Yes, we know you pay for home care- there was a financial assessment at the beginning and the cash will run out - what I’m asking is if, when the person dies, the money the local authority has spent on home care is retrieved from the deceased’s estate.

No it is not

domicilary care is completely different from residential care in this respect :)

it won't be recouped from the estate

Thanks Theeyeballsinthesky , that’s helpful - have you had experience of this?

It's worth checking if your current care agency are also on the approved list for your local council, potentially saving you moving care agencies (you don't have the right to choose an agency, but you can ask and put forward reasons why). As another poster said, having a care assessment before your Mum goes below the threshold is key, they are notoriously slow. I would also suggest you join a local Carers Centre, they will give you good advice about the care system, emotional support too. Good luck with everything, it's not easy negotiating all this.

Thank you , that’s good advice. The local authority will use the current care company fortunately- they paid them for the initial 6 weeks post discharge.

That's good news @Upyermonkey , especially for continuity of care.

There’s usually also an option to receive a ‘direct payment’ from the council that you can use to fund your chosen supplier (instead of them paying the supplier themselves)