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Help please; financial info putting old folks into a home
Topic Started: Jul 29 2011, 12:22:33 AM (642 Views)
Anne
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Wonderful Winsome Wench

Does anyone know the ins and outs of putting a pensioner into a home, then selling the family home for the remaining pensioner to go into warden assisted? ie, can social services take money from the sale of the house?

Beginning to think now that my dad going into a home could have wider ramifications. Oh groan, this is all very mind boggling and stressful and I just don't know where to start.
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Anne
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Wonderful Winsome Wench

This is in the UK btw
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catgirl
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Courageous Cuddly Kitty

Only experience I have is when my nan went into a home as she was suffering with alziemers (sp) my grandad had passed away a few years before. My dad had to go to a solicitor so that he could handle her estate. Her house had to be sold to pay for the nursing home. As far as I can remember social services paid until house was sold but dad to pay back of course. When my nan died her money was getting very low (to about £15k) I think. Once it hit that amount then social would take over payment. All I can remember was that 60 grand dwindle very fast and this was about 12-15 years ago. I'm on holiday ATM but can ask dad when I get back unless you find out more upto date info
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ABCDiamond
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How funding for Care Homes is worked out.

Quote:
 
Funding for care homes can come from several different sources. Different rules apply for different parts of the uk

If your savings and property are less than £13.500, then the full cost of your care will be met by social services.

If your savings are between £13.500 and £22.250 inuding your property, some of the costs for the care home will have to be met by you,

If your total savings including your property exceed £22.250 then you will have to pay the full cost of your fees.

Be aware that if you give your home over to your family or rent it out ,you could still be liable to pay towards your care. This is a complex issue, and advice would best be sought. The assessment valuing your property only applies to funding for care homes,and not for care in your own home if you stay there.

The above information was correct in April 2008 but can change each year.


http://www.nursingcareguide.com/Funding_for_Care_Homes.asp
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ABCDiamond
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Why solicitors specialise in NHS care home funding
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If you need ongoing care in relation to complex physical or mental health needs, your care fees may be paid by the NHS. This is known as NHS continuing healthcare.

Unfortunately, Primary Care Trusts often make arbitrary NHS care funding decisions. As a result, you may not receive NHS care funding in a residential care home, nursing home or in your own home, even if you are eligible.

http://www.ms-solicitors.co.uk/community_care_law/nhs-continuing-healthcare-funding.html


It appears that this is an area in which Solicitors get a fair bit of work....
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Anne
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Wonderful Winsome Wench

Thanks Debs and Eric. I'm trying to find out as much as I can before I go back so that I can get the necessary things up and running while I'm there. Think I'm also gonna ring their social worker and make an appointment to see her while I'm there.
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Lynnj
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Anne, maybe an idea to talk to the social worker before you go back so you have as much info as possible, there must be some advice lines or something for people in this situation
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Tiredwithtwins
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Admin

definately speak to the social worker before you come back.
and find out if the deeds to their house is in joint names.
Im pretty sure they cant be made to pay the full cost of care for one if the other may also need some sort of supported living - might be worth getting hold of thier solicitor and asking them to clarify the situation regarding joint assets and how they would be split should one require nursing home care. The law is complicated, but a family solicitor should be able to clarify the basics of the law without any problems - this is a common problem and the law has recently been made more simple on this (I cant remember the exact ins and outs though, sorry!).

if someone needs daily nursing help then the hospital/care caseworker should apply for nhs funding. if they dont need nursing input then it is social services who pay, and they are the ones that can be complicated.

You can look round nursing homes while you are back - a good home will let you just turn up and look round, but if its a busy time there may not be anyone free to talk to you (or they should explain this and then ask if you want to make an appt to speak to someone later after youve looked round - they shouldnt leave thier tasks to speak to you.) any that dont allow this have something to hide ... EMI homes are no different their security should be good enough to ensure residents dont wander out whilst giving you the access to areas you would need to see. You should be able to google EMI homes in the are you want him in.
Edited by Tiredwithtwins, Jul 29 2011, 09:51:30 PM.
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Anne
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Wonderful Winsome Wench

Thanks guys :kiss: :kissed: I just knew there would be worthy advice to have here :yes:
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Snappy
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Sexy Sizzling Schmoozer

When my gran had to go into a home, the social paid for it but we had to sell her house to pay them back.....a very nice social worker told us to rent it out in the mean time whilst it was so ...ahem...openly on the market to be sold. That way the rent collected paid towards the fees she clocked up in the home. The situation was that we knew she wasn't going to last long though as she had rapidly gone down hill quite quickly once she left the hospital :(
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moneypen20
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Bond's Beaut Bombshell

No useful info but :crossfingers: you are able to get them sorted and happy.
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