Mum is currently in hospital and will be moved to a rehabilitation home soon. At the moment it looks like she will have to go to a care home afterwards as Dad can't cope with her mental health. Their savings are all in joint names and are above the upper capital limit. In these circumstances Age Concern factsheet says " where a couple have joint assets and one enters a care home, it may be beneficial to divide any joint capital before fees are incurred. Dividing the joint account at the outset saves the couple having to spend more capital than is necessary before the resident's assessed share falls below the upper capital limit " Good advice, but does anyone know how we do this in practice? Does Dad just take out 50% and open his own account, thus leaving Mum's share in a joint account. Or does he have to then remove his name from the joint account, which means he can't operate on Mum's behalf? Any tips on how we proceed or any other advice on how you have reduced the amount of contribution ( legally ) would be much appreciated.