1. twinklestar

    twinklestar Registered User

    Sep 14, 2014
    84
    Our mother has just gone into respite care and is being assessed for her on-going care needs - it has been agreed that it would be best if she received 24/7 care. We are currently looking at nursing and dementia care. I would be interested to hear how other carers who have navigated these financial waters. As well as seeking specialised financial advice we are also seeking legal advice as we do not have LPAs in place and will have to go to the Court of Protection. Our mother's Social Worker is currently applying for CHC Funding though I do not hold out much hope.

    We have obtained lots of information from various sources and we should start various balls rolling in the next couple of weeks. I obviously understand that there are rules and regulations in place as well as the legal implications. However, I am sure many of you have been through this process and will be able to tell me what the reality of this situation is. What are your experience of funding this sort of care? Did you or the LA
    negotiate fees? What about third party top-up fees? I am particularly interested in this subject?

    Many thanks.
     
  2. daisydi

    daisydi Registered User

    Feb 25, 2015
    257
    Norfolk
    My mother has recently gone into residential care. She was financially means tested last year for day care and respite and the LA did contribute a very small amount for this. They have used this means test for her permanent care. It is a private home and they will only pay up to a maximum amount for this but as she was going to day care at the same place we wanted to keep her in familiar surroundings. The difference between what the home charge and what they pay is roughly £30 week so I had to sign a third party top up to pay this. What happens in our situation is that the LA pay the whole amount to the care home and then bill her for her contribution (i.e. most of her pension) and bill me for the top up. I have found out from this site that you cannot be forced to pay top up fees but I didn't know this and I'm not sure if that is the case for everyone, especially not for a private home. Hope this helps. I didnt question the fact that I had to pay top up fees, just thought I had to as I wanted to keep my mum in the same place. My mum is sharing a room at the moment as there wasn't a room available but if she has her own room the top up fee doubles. Apparently she is quite happy to share and the home say it would confuse her to move rooms so I'm leaving her where she is for now.
     

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