Ok so dad is now embarking on day care and we were then looking to use one of as respite care, SS have been back n forth with forms and questions to entail in dad being entitled to no help financially due to his work pension , AA , state pension etc but they also used the joint account and joint savings in their equation , all of this isn't leaving mum with much who only receives half state pension as it is. Any advice re these joint accounts ? Should they be split , is mum entitled to take some out or will they see that badly?.. Or what we can do now. Any advice appreciated .