this may help
Paying for a care home can be expensive, but you may be eligible to financial help from your local authority. In some cases, you might be able to get financial support from the NHS.
www.alzheimers.org.uk
the financial assessment should NOT take into account YOUR income or assets, except to ensure that you are left with enough to live on, though that includes you claiming any eligible benefits
your house is disregarded as you live in it
for your husband:
taken into account are:-
all savings in his name only
half of any joint savings
his state pension
half any private pension (the other half is 'gifted' to you)
if he has savings above £23250 he will have to use his income (including Attendance Allowance) and savings until the savings reach that figure,
between £23250 and £14250 the LA begin to contribute also, at a set rate they should explain, if his income does not cover the fees
when his savings fall below £14250 and his income does not cover the fees, the LA take on the funding BUT your husband will contribute his state pension and half any private pension except for the Personal Expenses Allowance of £24.90 per week to pay for any expenses he has eg hair cut, and Attendance Allowance ceases
his savings are his and cannot be used to pay any care fees, but they can be used to pay for things for him, and as he retains a financial interest in your marital home he can pay half the buildings insurance and half any necessary maintenance
if the care home fees are above the amount the LA agrees to pay, a family member can agree to pay a top-up fee if they can afford it (the LA should ensure that it can be afforded) .... the LA must offer a care home placement that does not require a top-up fee however this may not be in the care home the family have chosen
it is probably best if you and your husband have separate accounts (to ensure your savings and income are protected) .... with a regular Direct Debit of half his private pension paid from his current account into yours