Private messages: Hover over the blob or name to the left of someone's post to bring up a box - click on Start Conversation.That would be lovely. I am clueless! I dot ern know how to private message!
On a phone it’s the same - just click on the name of the person and then click on ‘start conversation’.Private messages: Hover over the blob or name to the left of someone's post to bring up a box - click on Start Conversation.
To see if you've received a message, look for the little envelope icon next to your name at the top right of the page. The red number shows the number of messages you have and you can click to go to them.
I'm on a PC - I'm afraid I have no idea how it all looks on a phone but imagine it will be similar...
Yes of course I would not rule them out but from experience I know sometimes it can be a hard process , hopefully it is smooth for this lady thoughI wouldn't rule out Social Services @Xhanlbxx, as some people on this forum have been awarded non-means tested support.
So far the social worker has been great so fingers crossed. I am filling in the financial assessment form etc. does anyone know if claims for critical illness etc count as your assets? I’m relying on this to pay our mortgage and keep the home it seems really unfair if this is counted.Maybe the most important point here is that Social Services and their support are very variable both depending on your postcode and on the variables of your precise situation. I often read people posting on here as if SS was the only solution. But they aren’t and you may have to track alternatives down which they quite probably won’t tell you about - whether it’s via an Admiral nurse, a charity, a company or a carers’ or community centre.
We were self-funding so got no SS support at the start (indeed almost the opposite of support), but many years later we did get support, (even though we were still self-funding), when we reached a real crisis point and had moved house and much more. Before we got to that point I organised our own support from various different sources. It was like a job of work to get it all in place but it was worth it.
are you asking whether the value of the house counts towards your husband’s assets for assessment for care costs? In which case the answer is no, I think, since you are all living in it. It may also be that the value of the house is divided between you depending on your own title. Being a tenant in common with your husband is the best arrangement usually.So far the social worker has been great so fingers crossed. I am filling in the financial assessment form etc. does anyone know if claims for critical illness etc count as your assets? I’m relying on this to pay our mortgage and keep the home it seems really unfair if this is counted.
are you asking whether the value of the house counts towards your husband’s assets for assessment for care costs? In which case the answer is no, I think, since you are all living in it. It may also be that the value of the house is divided between you depending on your own title. Being a tenant in common with your husband is the best arrangement usually.So far the social worker has been great so fingers crossed. I am filling in the financial assessment form etc. does anyone know if claims for critical illness etc count as your assets? I’m relying on this to pay our mortgage and keep the home it seems really unfair if this is counted.
That’s such a difficult position. It sounds like the kind of time where you need proper professional advice. I wonder if Citizens Advice Bureau or your local carers centre or even your local bank branch can put you in touch with a solicitor or financial advisor who can help?Thank you.
He is no longer working so I am supporting us all now increasing my hours and also applying for benefits we are entitled to. We have used all our savings the last couple of years to keep our house and keep afloat (he got us into debt which we are appealing with support of our GP) so we will not be self funding. However I am worried if we Claim his critical illness payment this will be counted as savings when in fact it will be used to towards our mortgage to enable the children and myself to keep our home. I will struggle by myself otherwise.
It’s all so difficult navigating the financial issues.
Excellent reply from @canary (as always). Keeping his home is very much in his best interest plus looking into the retirement deal that he got from his employer (as I said I was told we could do this even though he retired before formal diagnosis). Getting legal/financial advice seems worth it.When OH had a financial assessment before we got carers coming in I asked the assessor what we could use OHs savings for and when would it be considered Deprivation of Assets? He was very helpful and said that the main rule of thumb was that it should go towards things that were for his benefit. An example he gave was that we could change our car (we had a very old car that was beginning to get temperamental) as a new(er) car would benefit him in getting to places. He also mentioned that we could change the bathroom to a wet room.
My personal opinion is that keeping a roof over your head is very much in his best interests and would be to his benefit. In fact, when OH was medically retired he received a lump sum which we put used to pay off a large proportion of the mortgage (leaving us with a much more manageable monthly payment) without thinking things further. I confess though, that it did not occur to either of us that this may cause problems and we did not even consider future care, let alone know about the rules, so it may have all backfired, but no-one questioned this at the assessment.