Financial advice please ...not deme related

Discussion in 'Legal and financial issues' started by dottyd, Nov 16, 2016.

  1. dottyd

    dottyd Registered User

    Jan 22, 2011
    1,064
    n.e.
    My friend (aged 62) had a massive brain haemorrhage in march. It was touch and go at the time and they seriously did not expect her to live but she's pulled through but is now very disabled.
    She's been moved from hospital this week to a nh and triggered chc.
    They have their three month review in 6weeks time.
    Unbelievably they've had no advice on benefits or anything. Just tragic. I've been to see them today and gave them the benefit of my knowledge.

    However I'm really worried now she's no longer on a peg that she might fail the review.

    Can anyone supply any good advice. She's in a wheelchair. Has a little movement down her right side, none in her left. She has all her marbles and has just started on puréed food. Hasn't been able to stand yet.

    She won't score high on behaviour or cognition .
    Have they any chance of keeping chc. I'm so worried for her.
    It's like she's come so far but they have no idea of what lies ahead re finances. They own their own property.
    It's not huge just a modest house.
    Hopefully she will get home but will need a bungalow or adaptations.

    Also, she is in a place that does rehab and physio ....but is not down to receive any. Yes this beggars belief. Without that she will go back over.

    Hope someone can help me point them in the right direction. I don't want to give duff advice
    Thanks
     
  2. jenniferpa

    jenniferpa Volunteer Moderator

    Jun 27, 2006
    39,438
    #2 jenniferpa, Nov 17, 2016
    Last edited: Nov 17, 2016
    When you say "they" own their own property I assume you mean with a spouse? Because if so the house is off the table when it comes to finances. I suspect from what you have said that you are right to be concerned about her losing CHC. If she does and it isn't possible to return home, then depending on her income and assets (excluding the house as I said) will go to pay for her care, with the LA chipping in. But it may not be at this home. Although is they haven't done any rehab with her that might not actually be a bad thing if a place can be found that will actually attempt to reable her.

    As to benefits: honestly I'm not sure she would be entitled to any bearing in mind she's receiving CHC. If that stops possibly, but most benefits (with the exception of state pensions) stop when a person is in hospital (which is what CHC is similar to).
     
  3. dottyd

    dottyd Registered User

    Jan 22, 2011
    1,064
    n.e.
    Thanks Jennifer .
    She owns her house and her partner has his own house.
    They've been together about 12 years.
    I can see if she stays at the nh on chc fund she wouldn't get benefits. That's fair enough.
    Hopefully though she's going to be well enough to go home. Albeit to an adapted house with downstairs accommodation or a bungalow.

    I just worry at the review the chc funding could be withdrawn. Maybe I'm worrying unnecessarily. Probably I tend to do that. I'm just thinking that without the cognition or behaviour she's going to score low.

    I'm pretty shocked to be honest that no one has been advising them.

    Maybe best to see how review goes and take it from there.
    I've given her partner the Luke Clements video to work from.

    So far she has a place in the home with nursing, not with rehab. This seems odd considering they have a rehab unit.
    This was my first visit to see them since it happened.
    Ironically she's in the same home that my mum, who died two weeks ago was in. Albeit in a different part.
     
  4. Jessbow

    Jessbow Registered User

    CHC doesn't affect benefits, still claim for anything you think she may qualify for.

    CHC Is NHS funded, benefits are independent of that. Certainly apply for PIP and alike
     
  5. sue38

    sue38 Registered User

    Mar 6, 2007
    10,854
    Wigan, Lancs
    From the Age UK factsheet on CHC http://www.ageuk.org.uk/Documents/E...and_NHS-funded_nursing_care_fcs.pdf?dtrk=true

     
  6. dottyd

    dottyd Registered User

    Jan 22, 2011
    1,064
    n.e.
    What I'm looking for is how her partner can manage this chc review now she has moved into nh. She has improved slightly so she no longer needs a peg tube but still has significant needs.

    I hope her needs are such that she continues to get chc. I'm worried it stops so that she has to self fund by selling her house.

    If she gets chc and can move home once it's adapted for her or they buy a new bungalow that should take the pressure off.

    I could weep for them. They have such a long road to travel.

    Without the behaviour or cognition high scores I'm worried she won't score high enough to keep chc

    Bit like Pam coughlan case I suspect
     

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