Hello!
We’re unfortunately approaching the time where we need to get my father in law into full time residential care.
Despite her best efforts (and that of the family) my mother in law can’t cope anymore and her own health is suffering.
We’ve found a home that would be suitable for his needs and as he has over £23250 in savings we realise that he will be self funding until his savings drop below that level.
As we understand it, the joint account that he holds with his wife is considered to be 50% his and 50% hers for the purposes of calculating his savings.
What we're not really clear in is their property - are we correct in thinking that whilst his wife still lives in the property then this cant be included in any financial Assessement?
I’d ask the council but am not sure I’d get unbiased information as someone told me that they could put a charge on the property for when the house is eventually sold upon the passing of the remaining spouse.
The council have said that they can do a financial Assessement but as his savings are above the threshold is there any point? If they do do one, we’d like to be clear on the position with regards to the house to save them giving us the wrong information.
If anyone could clear this up for us, we’d be really grateful.
Many thanks!
We’re unfortunately approaching the time where we need to get my father in law into full time residential care.
Despite her best efforts (and that of the family) my mother in law can’t cope anymore and her own health is suffering.
We’ve found a home that would be suitable for his needs and as he has over £23250 in savings we realise that he will be self funding until his savings drop below that level.
As we understand it, the joint account that he holds with his wife is considered to be 50% his and 50% hers for the purposes of calculating his savings.
What we're not really clear in is their property - are we correct in thinking that whilst his wife still lives in the property then this cant be included in any financial Assessement?
I’d ask the council but am not sure I’d get unbiased information as someone told me that they could put a charge on the property for when the house is eventually sold upon the passing of the remaining spouse.
The council have said that they can do a financial Assessement but as his savings are above the threshold is there any point? If they do do one, we’d like to be clear on the position with regards to the house to save them giving us the wrong information.
If anyone could clear this up for us, we’d be really grateful.
Many thanks!
