Hi
I have been my mum's Deputy for the last 5 years and have very recently sold her house for far less less than it's true value because of deterioration and finding it very difficult to obtain unoccupied house insurance after 5 years of unoccupancy. However, the house is now sold and I have repaid my mother's Equity Release and her Deferred Payment Scheme which has left her with just over the upper limit of £23,250.
There are a few issues I need to raise with my Local Authority re: A new financial assessment but before this I am wondering if this forum could answer me a few questions:-
a: I am currently paying a Security Bond annually of £200 per £80000 of insurance issued by the COP in 2009 and because the house has now been sold and all 'legal charges' paid, my mother does not need this amount of cover. Is this variable? Do I contact the COP (if so is it chargeable), the OPG or the Insurance Co?
b: I also pay the OPG £335.00 a year for their services! (please excuse the exclamation mark but I have to submit annual financial reports, get receipts, do all the legwork, get financial figures, work everything out on the report etc, etc) and for this I am charged £335.00 for them to 'tick' the report and send me one magazine every so often). All my yearly reports have been passed but I am still on a level 2A and have been since 2009. Now, because of mum's reduced financial ststus am I allowed to have the level lowered or is it permanent? Do I contact the COP about this and again is it chargeable?
c: Finally (and thank you for the replies to my previous post) I realise that because my LA is now paying something towards mum's care that she will lose her AA. Is it up to me to inform the DWP or is it my LA's resonsibility. I have had previous dealings with the DWP, which was not a good experience and would rather not contact them unless I have to (I had to get my MP involved to sort out problems in the past).
Any assistance to these questions would be appreciated as I would like any information that is relevant to hand before I have to contact them.
As a footnote, can I say that before mum developed AZ I knew very little about old age care but over the years I feel I have learnt a lot as I am sure many people on this forum have. I now feel that the way our elderly are looked after (I can only speak from a AZ perspective) in this country is a bit of a joke and needs a urgent overhaul.
Why is it that as soon as you seem to 'turn a corner' another wall is put up in front of you. Why is it a constant battle to get support and help for our elderly and infirm.
Thank you for reading,
Kind regards
Ken.
I have been my mum's Deputy for the last 5 years and have very recently sold her house for far less less than it's true value because of deterioration and finding it very difficult to obtain unoccupied house insurance after 5 years of unoccupancy. However, the house is now sold and I have repaid my mother's Equity Release and her Deferred Payment Scheme which has left her with just over the upper limit of £23,250.
There are a few issues I need to raise with my Local Authority re: A new financial assessment but before this I am wondering if this forum could answer me a few questions:-
a: I am currently paying a Security Bond annually of £200 per £80000 of insurance issued by the COP in 2009 and because the house has now been sold and all 'legal charges' paid, my mother does not need this amount of cover. Is this variable? Do I contact the COP (if so is it chargeable), the OPG or the Insurance Co?
b: I also pay the OPG £335.00 a year for their services! (please excuse the exclamation mark but I have to submit annual financial reports, get receipts, do all the legwork, get financial figures, work everything out on the report etc, etc) and for this I am charged £335.00 for them to 'tick' the report and send me one magazine every so often). All my yearly reports have been passed but I am still on a level 2A and have been since 2009. Now, because of mum's reduced financial ststus am I allowed to have the level lowered or is it permanent? Do I contact the COP about this and again is it chargeable?
c: Finally (and thank you for the replies to my previous post) I realise that because my LA is now paying something towards mum's care that she will lose her AA. Is it up to me to inform the DWP or is it my LA's resonsibility. I have had previous dealings with the DWP, which was not a good experience and would rather not contact them unless I have to (I had to get my MP involved to sort out problems in the past).
Any assistance to these questions would be appreciated as I would like any information that is relevant to hand before I have to contact them.
As a footnote, can I say that before mum developed AZ I knew very little about old age care but over the years I feel I have learnt a lot as I am sure many people on this forum have. I now feel that the way our elderly are looked after (I can only speak from a AZ perspective) in this country is a bit of a joke and needs a urgent overhaul.
Why is it that as soon as you seem to 'turn a corner' another wall is put up in front of you. Why is it a constant battle to get support and help for our elderly and infirm.
Thank you for reading,
Kind regards
Ken.