care home.... let me explain

[smudge54]

Hi

Mum had VD but has had a stroke and brain hermorage. Shes on nasal feeding and can only move her left arm and right arm minutely. Unable to swallow liquids. I was warned that she may not make it but on the other hand they say she could go back to her house ????????? with carers 3-4 times a day for 30 mins slots at the best. Hang on I thought, they showed me the brain scam omg a huge amount of it has gone, at the best she would be in a nursing home.

Mum owns her flat, she had a 7000.00 interest only mortgage (I went ballastic years ago when she told me) and this would have to paid back to the bank at the point of sale. She is also in the middle of a bank loan of 5000.00(home improvements) of around 160.00 month.

if she goes in a nursing home and we are finding it hard selling the flat who will pay care home home fees? When its sold and the income decreases to the point theres nothing left who will pay. Ive heard of top fees from a 3rd party.....any one had issues with top fees and how did you handle it? Did you refuse if they asked you?

[BeckyJan]

Hello Smudge,

I believe your Mum has a chance of being eligible for Continuing Healthcare – this is when the PCT pays for the whole cost of care. Before your Mum leaves hospital there should be a ‘best interest meeting’ and this is when they will consider nursing homes or a return home (maybe you have been through this process already). During this you should make sure they consider NH Continuing Healthcare and at the same time they are obliged to look at the Nursing Contribution.

Should CHC fail then the Local Authority will do an assessment of who pays for what. Yes you can refuse top up fees. The risk is they want to move the sufferer to a cheaper home, but they can only do this if it meets the needs. One of the needs can be proximity to the family for visiting.

To explain more fully this factsheet may help:

http://alzheimers.org.uk/site/script...documentID=125