So I have posted quite a few times recently as dad has just gone into a care home and I'm really grateful for the advice that I have been given. I am now moving onto the finances in all this as I am about to pay the first care home bill and basically I'm making sure I know exactly where I am with everything. Dad is self funding and will be for around the first 18 months of his care if everything remains as it is. This is based on my dads assets in his personal accounts and ISA's but excluding his house as mum is still living there. In addition to accounts in his own name mum and dad have a joint account to which my dad's income from personal pension, state pension and AA makes up about 75% of the money coming in as mum has a small state pension and AA and that's all. I'm sure I read a thread here once where someone was penalised when her husband's assets fell to below the £23,000(he was in a home) threshold because the household bills for the house in which she was still living had been coming out of the joint account and the LA wouldn't fund the care home until her husband's assets fell to below 18,000. My question is then should I 'freeze' this one and only joint account and now separate my dad's assets from my mum's so that all the household bills come from mums account alone? I'm looking ahead I know but I just dont know how ruthless the LA can be and with both parents with dementia I need to keep on top of things from the start. Many thanks for your help.