MIL gave is some money but is possibly going into a care home.

[JumpingDizzy]

Mil gave dh and I a large sum of money when she sold her house. She moved into rented to be nearer family.
I was dubious at time as she's in her late 80s. For all we would love to see her end her days at home this is rarely the case. My dm more or less did but died in hospital. But she had support at home. Dh and I and mil's other close family all still work.
Mil has been having respite in a local care home. She was reluctant at first but is now settling in. It's fantastic. Staff are great which is the main thing. There's lots of activities and mil has made friends.
I've said to dh I think she'd be better off living there if she's up for it. It's much safer,she's eating regular, she's enjoying the activities and entertainment.
We know we'll have to give the money back she's given us. She still has over 100k in the bank. But once it gets to a certain amount they'll be looking for this. It's a shame as she'd be gutted if she knew we'll lose the money. We'd never tell her though. It was towards a house move to a better area which we're in the process of doing. We'll probably have to stop now though.
Has anyone experienced this? We're not sure what happens tbh.

Edited for spelling

@Jumpingdizzy

You mention the care home is state funded but sooner or later Adult Social Care will run a financial assessment, they always do. Apologies if you've already covered this in the thread but I've not read the whole thing.

Each case is judged according to particular circumstances.

And CHC is like gold dust, the criteria makes it almost impossible for it to be awarded. I work in a nursing home and just two residents with ABI (acquired brain injury) receive it. FNC (funded nursing care) is awarded if a nursing care has to be given but in most cases a nursing home senior carer can fill the role. FNC is currently £235.88 pw.

Sorry, jumping dizzy, I just read back a bit and see that your ma in law already gets CHC. Apologies then. It's given so seldom in my area that it always surprises me.

The financial assessment took place before we could even get relative into to the care home, it's not something you just say you can pay for and they believe you, finances are checked before admission.

Every time there is a thread like this loads of people bang on about 7 years.
That is for IHT and has no relevence for care costs

Spot on.

The issue with care costs, as with means tested benefits, is intent. If one deprives oneself of cash or assets - say making the house over to the kids - the question for the Council is whether you did so with the intent of obtaining benefit or increasing the amount payable.

This case seems to be a red herring from that pov as the OP's relative is getting a type of funding that's not means tested. However, if she sold her house two years ago before there was any suggestion she might need care, and with the intention of allowing her and her family to cluster together then the intent was not to get benefit.

The Council will look at the circumstances and if they think there was intent then they will take action and treat you as though you still own the asset. You can contest that decision and have, I think, a right of appeal to the First-tier Tribunal.

Dh spoke to the council. They seemed pretty confident we don't need to worry but have noted the conversation. They were helpful.

It'll be at least 3 years before her money will run out.

We've had such a rollercoaster of emotions. Where we live atm is peaceful but changes depending on renters. When we decided to move it was particularly horrendous. Crack den a few doors up and drugged up people shouting in the street all night long. I think we're possibly the only home owners. We'd have left long ago if we were also renting.

Where we're moving to is quiet. One house behind and non in front.

I suspect that everyone talking about the 7 year rule, haven't had to deal with a relative needing care, it's an assumption everyone makes, until they are affected. My MIL lived with us for the last 5 years of her life, and then we needed care we paid, until the last few months when she was on end of life, and I must say, the support we had in the last few months was excellent.

I'm glad to hear that @Lincslady53 . Mil was happy in the home. Yesterday she said she wants to go home. She's falling regularly though. It's an awful situation.

We had days when she thought she was in a care home, and we were staff, days when she decided she didn't like some food she had been eating regularly, she said one day, she didn't like sherry, even though she had a glass every Sunday for 70 odd years. It was like having an overgrown toddler at times, and although it was hard at times, she got to her 99th birthday, and ended her days peacefully. So, we are pleased we took her on.