Hi.
I have not posted for some time. My husband is still at home with 3 days a week daycare and 3 days a week with a carer at home. On Sundays we are just family without any carers. My hb receives CHC funding and we have been assessed as not needing to pay towards the care, which we could not have with just me working, £1000 a month mortgage and £400 a month childcare costs for our 5-year-old son. He also currently receives DLA and contribution-based ESA. However, our mortgage is coming to an end next year. I wonder if any of you has been through a similar situation and would like to know if the authorities will financially re-assess us and possibly ask us to pay towards the care when we have not got the big mortgage committment any longer? Our house is in joint names, we have got no savings, some debts and the ESA will end at the same time as the mortgage (my hb may then receive some pension credits? but not sure on this! ) & DLA will be replaced by AA. I am just not clear if the finishing mortgage payments could have an impact on us having to pay towards care. I hope this will not be the case as I do need to tackle the debt, which has slowly built up in the background over the past 2 years. Any experience or advice welcome! Thanks, Ceetee x.
I have not posted for some time. My husband is still at home with 3 days a week daycare and 3 days a week with a carer at home. On Sundays we are just family without any carers. My hb receives CHC funding and we have been assessed as not needing to pay towards the care, which we could not have with just me working, £1000 a month mortgage and £400 a month childcare costs for our 5-year-old son. He also currently receives DLA and contribution-based ESA. However, our mortgage is coming to an end next year. I wonder if any of you has been through a similar situation and would like to know if the authorities will financially re-assess us and possibly ask us to pay towards the care when we have not got the big mortgage committment any longer? Our house is in joint names, we have got no savings, some debts and the ESA will end at the same time as the mortgage (my hb may then receive some pension credits? but not sure on this! ) & DLA will be replaced by AA. I am just not clear if the finishing mortgage payments could have an impact on us having to pay towards care. I hope this will not be the case as I do need to tackle the debt, which has slowly built up in the background over the past 2 years. Any experience or advice welcome! Thanks, Ceetee x.