My husband is still in a D2A bed waiting to be moved to an interim home - that I will have to pay for - until the decision is made on what happens next. I have refused one home for the reason of distance. I am not happy with a lot of the care he has received. At the moment he is getting 1 to 1, but even that I would question. So my life is dreadful and my options even worse. My husband is not with me and I will have to pay for the pleasure of him being neglected in so many ways. My current thinking is to get him home with a lot of support - paid for by us. My question is as a married couple, with no premonition of what was going to happen, all monies are not equally split. We made my husband pension the main source of income and paid extra into it. My private pension is tiny compared to his. How can I protect myself? I have LPA's I have wills. How far back can they go when doing an assessment? Surely they cannot go back to a date prior to dementia being confirmed - not that i would make a difference in this situation. To be honest I feel so depressed because of a lack of control. You plan, you save and then the s*** hits the fan!
Financial Advice Needed
- Thread starter CherryTT4
- Start date
I was in this position too. No, they cannot go back before dementia officially diagnosed.
Do you have evidence that you paid in extra to your husbands pension.
Obviously you will not lose your home.
There are some financial advisers that specialise in older life issues. Track one of these down through google. They may be able to put your mind at rest.
All sympathy to you. Geraldine
Do you have evidence that you paid in extra to your husbands pension.
Obviously you will not lose your home.
There are some financial advisers that specialise in older life issues. Track one of these down through google. They may be able to put your mind at rest.
All sympathy to you. Geraldine
May not amount to a vast sum but make sure all his care needs are paid by him and not by you or out of a joint account.
If he has to go into residential care with the LA contributing you are entitled to half of his private pension, state pension all goes towards care fees.
Also consider changing any joint account into two sole accounts.
