Mum has now been moved to a care home from the assessment unit.
She still thinks she will be going home again. I still have hourly thoughts in my head questioning if I am doing the right thing and wondering if she should go back home, although in my heart of hearts I know it would be a disaster, but it is heart wrenching to see the hope that she has when I know that it is not going to happen. I don't lie to her but I just say that it is up to the doctors and to see what they have to say, which seems to pacify her (albeit temporarily!)
As she owns her own home she unfortunately will have to pay for her care and an appointment has been made for a financial assessment.
In the meantime Mum's Social Worker has informed me that she has secured the 12 week deferment period and then after that there will be a charge put on the house and until it is sold the payment for her care will effectively be an interest free loan.
The value from her house is modest and will probably cover about five years of care at the maximum.
I am not sure what they need from the Financial Assessment as she is self funding anyway ?
She has some money in a current account (about £11,000) and a small savings account of about £ 7,000. - How will all this factor into her care if she is paying for it herself anyway ??
Will they possibly expect her to pay for her care straight away after the 12 week deferment with the money from her accounts, with the charge on the property kicking in when she has used up her disposable cash ?
I am now concerned that what she has in her current account /savings account will affect the benefits she is claiming ???
Any experience or knowledge anyone has would be greatly appreciated.
XXX
She still thinks she will be going home again. I still have hourly thoughts in my head questioning if I am doing the right thing and wondering if she should go back home, although in my heart of hearts I know it would be a disaster, but it is heart wrenching to see the hope that she has when I know that it is not going to happen. I don't lie to her but I just say that it is up to the doctors and to see what they have to say, which seems to pacify her (albeit temporarily!)
As she owns her own home she unfortunately will have to pay for her care and an appointment has been made for a financial assessment.
In the meantime Mum's Social Worker has informed me that she has secured the 12 week deferment period and then after that there will be a charge put on the house and until it is sold the payment for her care will effectively be an interest free loan.
The value from her house is modest and will probably cover about five years of care at the maximum.
I am not sure what they need from the Financial Assessment as she is self funding anyway ?
She has some money in a current account (about £11,000) and a small savings account of about £ 7,000. - How will all this factor into her care if she is paying for it herself anyway ??
Will they possibly expect her to pay for her care straight away after the 12 week deferment with the money from her accounts, with the charge on the property kicking in when she has used up her disposable cash ?
I am now concerned that what she has in her current account /savings account will affect the benefits she is claiming ???
Any experience or knowledge anyone has would be greatly appreciated.
XXX