Hi mum is going into residential care , she has her own home which Iam going to have to sell as it is classed as capital as no one else lives there. I m struggling to understand the 12 week disregard? What exactly is it? I understand about deferred payments but is the 12 week disregard effectively saying the local autohirty will pay mums first 12 weeks in residential,or does it mean they will pay the first 12 weeks but we 'll have to pay it back? Confused!!