Hi everyone,
It's a while since I've been here, if you need to see the background to my enquiry please see here:
http://www.alzheimers.org.uk/talkingpoint/discuss/showthread.php?t=6256
I'm enquiring on behalf of my girlfriend who's father has mild dementia. He was put into an assesment centre a few months ago after he became aggressive towards her mother, his wife. Furthermore her mother has her own minor health problems and is only just capable of looking after herself. My girlfriend lives with her mother and has done so since 1996, she is on the electoral role at that address.
While on assessment her father has had a number of visits home varying from one day to four days, some of which had to be curtailed because of his mis-behaviour. The assessment period has come to an end and the authorities have decided that he needs to go into residential care, the wheels are now in motion to find a suitable place in a local authority home.
We are concerned about how things will pan out financially for her mother amongst other things and want to try and be prepared for different scenarios.
Her mother and her father own their property outright as joint tenants I believe (or the normal way a solicitor would buy a property for a married couple). Her father has a state pension plus two small private pensions and her mother has a small state pension. They have about £7000 in a building society high interest account. Fortunately my girlfriend was able to get an EPA in place for her father earlier this her (thanks to the help of the good people in this forum, see link above) before he lost mental capacity. The power of attorney was granted jointly and severally to my girlfriend and her mother.
We are not very clear on how her mother will be charged for his care. These are our thoughts:
We think their joint income will be put through a means test which will determine how much they (her mother and father)have to contribute. We also understand that the shortfall between the actual charge and what they have to pay will accrue as a lien against the value of their home. Once they are both no more and their home is sold the accrual will be taken from the proceeds of sale.
It would be nice if someone could clarify the situation for us.
Thanks
EDIT: They are both resident in England.
It's a while since I've been here, if you need to see the background to my enquiry please see here:
http://www.alzheimers.org.uk/talkingpoint/discuss/showthread.php?t=6256
I'm enquiring on behalf of my girlfriend who's father has mild dementia. He was put into an assesment centre a few months ago after he became aggressive towards her mother, his wife. Furthermore her mother has her own minor health problems and is only just capable of looking after herself. My girlfriend lives with her mother and has done so since 1996, she is on the electoral role at that address.
While on assessment her father has had a number of visits home varying from one day to four days, some of which had to be curtailed because of his mis-behaviour. The assessment period has come to an end and the authorities have decided that he needs to go into residential care, the wheels are now in motion to find a suitable place in a local authority home.
We are concerned about how things will pan out financially for her mother amongst other things and want to try and be prepared for different scenarios.
Her mother and her father own their property outright as joint tenants I believe (or the normal way a solicitor would buy a property for a married couple). Her father has a state pension plus two small private pensions and her mother has a small state pension. They have about £7000 in a building society high interest account. Fortunately my girlfriend was able to get an EPA in place for her father earlier this her (thanks to the help of the good people in this forum, see link above) before he lost mental capacity. The power of attorney was granted jointly and severally to my girlfriend and her mother.
We are not very clear on how her mother will be charged for his care. These are our thoughts:
We think their joint income will be put through a means test which will determine how much they (her mother and father)have to contribute. We also understand that the shortfall between the actual charge and what they have to pay will accrue as a lien against the value of their home. Once they are both no more and their home is sold the accrual will be taken from the proceeds of sale.
It would be nice if someone could clarify the situation for us.
Thanks
EDIT: They are both resident in England.
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