My sibling has been seriously mentally ill (not formally diagnosed but some form of schizo affective disorder) for many years and lives with our parents. He doesn't leave the house or we anyone. He doesn't exist anywhere and there is no record of him ( I.e. no benefits etc) because he thinks he's being followed by an enemy country. He isn't.
As my parents are getting older and rent rather than own, I worry about the implications of my siblings' care and support when they're gone. I have asked them to set up an account or some kind of provision for him for this reason but they've just told me ( after years of asking) that they haven't got round to it. In part because they're still in denial about how acute the situation is.
I really think we need something in place to pay into so we can support him in the future. But you can't open an account for someone without their permission. And he wouldn't give permission because of the enemy country thing ... he thinks ' they' would find him.
My parents don't have much money and I'm not in a much better situation (single mum) so there's really no lump sum to give him when they go. So what would be best is an account could pay into monthly to build something up for him. Is there any way to do this?
World we need power of attorney to do so? How can we get this without him wanting to sign anything? What do people do when complex mental health issues are involved? He would fail the mental capacity act so could he be said to give consent anyway?
I've spoken to mind charity but they say there's not much they could suggest. I would really like to find a way to build some safety net for him into the future.
When my parents pass away he won't have any money or anywhere to live so it's concerning me how I would manage to support him as a result.