Hello mums,
I need your collective intelligence over this. This is a long post I'm afraid...
Background: I'm a father of two young adult autistic daughters (daytime independence with support). I am their carer, 3 years separated from their mum who has mental health issues. My EW and I are joint owners (50/50) of the house where DD and I live, and DDs have been saving with the intention buying a share of the house from their mum, but that has not happened yet, due to their mum's MH - one day wanting their money to move, the next visiting her family in Australia instead...
The current issue: since December DD2 has had her care needs assessed at last and her case worker pushed for reenablement, then for support through direct payments. This has started, but the details about financial assessment and the share we'd pay are only coming now. As she has large savings waiting for her mum to agree to sell her a share of the house, she'd have to pay for her care.
I'm looking for ways to show the council that there are very good reasons those savings are there, and that it is a temporary issue, and if we are not trying to hide savings, but are following a long-term plan to stay safe from their mum.
One of the main options I'm considering is this: as my wife is not in a position to support right now, sell a part of my share of the house to DD2, and when EW is ready, buying an equivalent share from with the money. The result is my daughter would spend her savings now for shared ownership of her home.
But: clearly as I am rushing this now at the moment a financial assessment has to be done, it will show in the bank statements etc that this is only just happening. What should I tell a council to make it clear that this is not a trick?
And: better ideas? I could refuse a social care help as we can't afford it of course... But it has done her good!
Thanks