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Jointly owned home.

Izabella

New member
Oct 23, 2021
1
0
Attendance Allowance/DLA and PIp are all payable for the first 28 days after an admission to a care home that is fully funded or partly funded by LA. Carers allowance will pay for a further 4 weeks called the run on period.

Please also be aware that while the LA will disregard the home as an asset/capital when a partner enters residential/nursing home, If the partner then wants to move and sells the home/property the capital can be considered as an asset at that time. However you can get permission from social services to sell which will mean the new property would also be disregarded.
 

nitram

Registered User
Apr 6, 2011
23,667
0
North Manchester
is holding a home as Tenants In Common viewed any differently to Joint home owners when it comes to LA assessment.
No difference regarding initial LA assessment.

A difference is when one of the joint owners dies.

With joint tenancy the property passes to the survivor outside of any will, if the owner not in care dies first the property passes to the one in care and becomes part of their assets and available to fund care.

With tenants in common the person not in care can make a will leaving their share of the property to other than the person in care.
 

Wildflowerlady

Registered User
Sep 30, 2019
599
0
No difference regarding initial LA assessment.

A difference is when one of the joint owners dies.

With joint tenancy the property passes to the survivor outside of any will, if the owner not in care dies first the property passes to the one in care and becomes part of their assets and available to fund care.

With tenants in common the person not in care can make a will leaving their share of the property to other than the person in care.
Hi @nitram yes we were aware of that and partner has left his share of the property to me. We are often wondering if we should move from our home of 20 odd years but that then could throw in an issue of partners assets although a bungalow may need lots of work doing if not been updated. Our home we are currently in could be adapted to give him a bedroom downstairs and wet room so we may go that route if necessary.
 

Kapow

Registered User
Nov 17, 2019
146
0
what a mess @Kapow ... so unhelpful
let the LA and the care home know what is happening, in writing eg email if you can .... it's clear that you are doing your best to comply with arranging payments, and you cannot make the companies/institutions do something different than they tell you .... the LA should have come across this before, same for the care home (their reaction is unkind, but may be a signal of how they will deal with financial issues)

just a thought
will the banks agree to make the joint accounts into individual accounts for your husband ... so. I assume, the pensions can continue to be paid into that account
and you set up separate accounts for yourself

and do not pay anything yourself especially if that leaves you out of pocket right now, you have a right to your own financial 'security' as the care fees are your husband's .... not easy for you, I appreciate, but I worry about setting a precedent if you pay from your finances
I went down to the bank yesterday to set up a seperate account in which to put my husbands savings and his state pension plus half his private pension.The bank set up the account but say they cannot set up the transfer of the pensions bit because they are pensions,they aren't allowed to do that but if i contacted both myself having POA,and give the pensions people the new account details,get it in writing,go back to the bank and they will then do it.This was verified as being true by the lady at the DWP who said banks aren't allowed to do that.So....the DWP say they have no record of my sending the POA to them,despite me quoting the recorded delivery number and date,January this year,and say they don't dispite that I sent it,but they haven't got it..so i have to send another full copy to them on Monday.The second private pension say that they cannot take any bank details over the phone ever,are going to send out a form to me,fill it in,send it back,but by the time they get it,process it,it's going to be December....so I can't set up a seperate account as i thought because there is another months care fees to come out on the 27th October....If I was a heavy drinker I'd get smashed tonight.
 

canary

Registered User
Feb 25, 2014
16,138
0
South coast
The bank cannot automatically transfer pensions into another account, but they can transfer the same amount of money if you go in in person and ask them (or you can do it by bank transfer if you have online banking). So, when the pensions go into the old bank account, go to the bank and ask them to transfer the amount of money equal to his state pension plus half his private pension. and put it into his new account.
 

I thank you for the years

Registered User
Oct 5, 2021
14
0
You could set up a standing order for the relevant amount so that it automatically moved from one account to another on the same date each month (specified by yoursel).