Hello to all - would appreciate some thoughts and wisdom - my mother is in a care home, at the moment we are paying privately. She went in to care August 2013.
She and my father have always had joint finances. After she went in to care their joint finances continued as were for a while. Then we took advice which informed us that we should clearly 'split' their finances and all joint accounts in order (when the time came) to be able to show her own finances clearly as approaching the 23,500 threshold. We have spent many months unpicking it all and setting her up her own bank account etc,to be able to show that along the way we have allocated her 50% of finances that were previously joint.
The question relates to care home fees since August 2013. For just over a year these were coming out of my parents' joint bank account. At the point we 'split' my mother off to have her own bank account, she started paying her own care home fees from there. QUESTION - does she effectively owe my father for the '50%' of her fees that came out of the joint account up until their finances were split? Should she effectively write him a cheque for what she owes him in relation to the 50% he covered from the joint account? Is that how the LA view things? We are able to show the LA all invoices and the bank statements etc so the trail is not the problem. The question is whether it is valid in the LA's eyes for her to 'retrospectively' pay him back?
Finding the financial situation complicated and depressing! Thanks for any input.
Best wishes and courage to all.
She and my father have always had joint finances. After she went in to care their joint finances continued as were for a while. Then we took advice which informed us that we should clearly 'split' their finances and all joint accounts in order (when the time came) to be able to show her own finances clearly as approaching the 23,500 threshold. We have spent many months unpicking it all and setting her up her own bank account etc,to be able to show that along the way we have allocated her 50% of finances that were previously joint.
The question relates to care home fees since August 2013. For just over a year these were coming out of my parents' joint bank account. At the point we 'split' my mother off to have her own bank account, she started paying her own care home fees from there. QUESTION - does she effectively owe my father for the '50%' of her fees that came out of the joint account up until their finances were split? Should she effectively write him a cheque for what she owes him in relation to the 50% he covered from the joint account? Is that how the LA view things? We are able to show the LA all invoices and the bank statements etc so the trail is not the problem. The question is whether it is valid in the LA's eyes for her to 'retrospectively' pay him back?
Finding the financial situation complicated and depressing! Thanks for any input.
Best wishes and courage to all.