1. Expert Q&A: Protecting a person with dementia from financial abuse - Weds 26 June, 3:30-4:30 pm

    Financial abuse can have serious consequences for a person with dementia. Find out how to protect a person with dementia from financial abuse.

    Sam, our Knowledge Officer (Legal and Welfare Rights) is our expert on this topic. She will be here to answer your questions on Wednesday 26 June between 3:30 - 4:30 pm.

    You can either post questions >here< or email them to us at talkingpoint@alzheimers.org.uk and we'll answer as many as we can on the day.

  1. jack29

    jack29 Registered User

    Mar 8, 2008
    71
    Sorry if this has been asked before but I could not find much on people that are not self-funded.
    Will Dad now just get the basic state pension and then have to pay it all except £20 to the nursing home?
    Thanks
     
  2. hendy

    hendy Registered User

    Feb 20, 2008
    506
    West Yorkshire
    Dear Jack
    I'm not sure, perhaps the social worker is the one who can tell you about the funding aspect, or perhaps someone later on will be able to give you more info.
    How did things work out with Dads nursing home, did you manage to get him into one nearer home?
    take care
    hendy
     
  3. Margarita

    Margarita Registered User

    Feb 17, 2006
    10,824
    london

    also if he get AA on top of basic state pension & pension credit it all go to NH and he keeps £20 a week


    so Yes your right .
     
  4. connie

    connie Registered User

    Mar 7, 2004
    9,519
    Frinton-on-Sea
    What is so wrong with that.
     
  5. Clive

    Clive Registered User

    Nov 7, 2004
    716
    Hi Jack

    Everyone has to pay for their Care Home. This is when you realise that the Welfare State is not what you thought it was.

    If you have saved more than £20,500 you are charged the full bill, and there are legal restraints to stop you spending your money in other ways (both before you go into the Care Home and once you are in the Care Home)..

    If you have less than £13,000 in house and savings you have to give up all your pension etc and you are allowed to keep £20 to spend on the necessities of life.

    If Social Services have done an assessment it is best to ask them to explain exactly what is going to happen.

    Many of us think it is very unfair.

    Best wishes

    Clive
     
  6. Sandy

    Sandy Registered User

    Mar 23, 2005
    6,847
    Hi Jack,

    That sounds like the way the system works, as far as I understand it.

    You might just want to check out the Alzheimer's Society's factsheet: http://www.alzheimers.org.uk/factsheet/468

    You could always ring the Alzheimer's Society Helpline if you have more questions.

    Any savings below £13,000 will be ignored. Also, if your father was able to get NHS Continuing Care (see http://www.alzheimers.org.uk/site/scripts/documents_info.php?categoryID=200203&documentID=399 for more details) then the NHS would pick up all the costs. There are other people on TP who have managed to get this type of funding, so it is possible under the right circumstances - though usually you have to make the case (strongly).

    Take care,

    Sandy
     
  7. jack29

    jack29 Registered User

    Mar 8, 2008
    71
    Hi hendy
    No did not find Dad a place nearer to home. So although the stress of caring for him has been lifted I am now trying to visit as often as possible. I have my own family, a full-time job and a part-time job so having to travel so far is causing some stress.

    Thanks everyone for your replies re the pension payments.
    Dad was transfered to the nursing home direct from hospital. I told the SS team that he was not self funding and they said his case would go to panel...which it did and funding was approved I was also told that he was approved for continuing care.SS told me someone from their dept would be in contact to check his savings and check what pension/benefits he gets but I have not heard anything yet. Would just be good to know how much and when and how we should pay anything to the nursing home.

    I have contacted the DWP and I am applying to be Dad's appointee so I am hopefull that may help to make the payments to the nursing home.
     
  8. taylorcat

    taylorcat Registered User

    Jun 18, 2006
    171
    W.Scotland
    Jack, the DWP came to visit me and made me my Mum's appointee for her pension. Mum's pension is paid directly into my bank account every week and nothing goes to the home. They are well aware she is in a home. I have queried it and I have been told this is a state pension my Mum contributed to and she is entitled to it.
     
  9. Sandy

    Sandy Registered User

    Mar 23, 2005
    6,847
    Hi Jack,

    You might want to take a look at the PDF document listed at the bottom of this page on the Department of Health web site:

    http://www.dh.gov.uk/en/Publicationsandstatistics/Publications/PublicationsPolicyAndGuidance/DH_082482

    It lists how state benefits will be treated once a person received continuing care funding. It appears that some benefits, like attendance allowance, are stopped after 28 days. Others, like state pesnion and pension credit, continue to be paid to the individual and are not claimed by the care home.

    You might want to contact the Alzheimer's Society Helpline on 0845 300 0336 just to talk it through.

    Take care,

    Sandy
     
  10. Clive

    Clive Registered User

    Nov 7, 2004
    716
    #10 Clive, Apr 3, 2008
    Last edited: Apr 3, 2008
    Hi Jack

    If your dad has been approval for NHS Continuing Healthcare (rather than Social Services funding) this is good news (from a financial point of view) and an advantage for your family. Many of us whose loved ones are already in a Care Home are trying to get the NHS to agree to pay Continuing Healthcare but it seems to be much more difficult to arrange once you have been in a Care Home for some time.

    As Sandy’s post said there is good table of information on the Department of Health web site.

    If once you have got everything settled you could share your experience with us in a post we will be very grateful.

    When your dad’s case was put before the Panel they will have given him a health score. They will have assessed eleven health areas (each called a domain). To qualify for NHS Continuing Healthcare you must be rated with one Priority domains or two Severe or possible four or six High domains… or some such mix that the Panel think is appropriate.

    If once you have got everything sorted out for your dad you could post his NHS Continuing Healthcare score (if they have told you) it would be of great interest to those of us who are battling with the NHS as we can establish what score is needed for the NHS to take responsibility.

    Thanks and Best wishes

    Clive
     
  11. jack29

    jack29 Registered User

    Mar 8, 2008
    71
    Thanks for the info Sandy...that link is really useful.


    And Clive I will be happy to update you and the msg board memebers as soon as I have any info.
     
  12. jack29

    jack29 Registered User

    Mar 8, 2008
    71
    Spoke to SS this morning. They have agreed to pay Dad's nursing home fees..the "Benchmark" bed cost...whatever that is ?!He does not qualify for NHS continuing healthcare.
    They are sending someone to see me so they can do a financial assessment to see what Dad has to pay from his pension. I said that I thought all of his pension except £20 had to be paid and the SS worker said she did not think it would be anywhere near that much. I suppose I will just have to wait until they assess his finances.:confused:
     
  13. Skye

    Skye Registered User

    Aug 29, 2006
    17,000
    SW Scotland

    Jack, the benchmark figure is what the LA is prepared to pay for a fully-funded bed in a care home. Usually this is way below the figure the homes charge self-funders.

    Sometimes the home will accept this amount (and make up the difference by overcharging self-funders:eek:), but some homes will ask the family for a top-up to make up the difference.

    So depending on whether or not you can afford (or are prepared to pay) the top-up, your choice of home may be restricted.

    I'm sorry, I can't help on the pension, that might also have a bearing on which home you choose.

    Sorry about the continuing care, that seems to be rarer than hens' teeth!
     
  14. jack29

    jack29 Registered User

    Mar 8, 2008
    71
    Hi Hazel,

    Well Dad is already in the nursing home so they must have accepted the benchmark figure.

    Whatever he has to pay of his pension is not a problem but I would like to get it sorted so we dont get a huge bill for him to pay.
     
  15. Skye

    Skye Registered User

    Aug 29, 2006
    17,000
    SW Scotland
    Sorry, Jack, I'd forgotten that. It's unusual (in my experience) for someone to be transferred to a NH before the finances are sorted out. We had to wait for the panel to meet to approve the placement.

    It sounds as if you're right, that have accepted the benchmark figure.

    Good luck with the assessment.
     

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