We have always treated our finances as a family unit - Self, husband and 2 daughters. e.g. any windfalls such as legacies or lottery wins are always divided equally 4 ways, we provided deposits to buy student flats, while the daughters paid the mortgages themselves, helped by always having a rent paying flatmate. When one of the flats sold at a huge profit and the other at a loss, daughters pooled the money to provide deposits for both of them to buy family homes. Now, because of rapidly growing Grandchildren both these houses require extensions. No problem, as although we are income poor we are savings rich and promised to contribute £20,000 to each of the upgrades. So far no problem BUT: My OH has mid to late stage dementia and we have to face the possibility that he will require residential care in the next year or two. From my research on this and other forums it seems that if we give the money to our daughters then SS could demand that they pay it back to fund their father's care. They would not be in a position to do that as that money and the rest of their own savings, would by then have been spent on their urgently needed extensions. Have I got this right? Does anyone know a way round this conumdrum?