We moved my mum out of her local area. Friends and family are all in Yorkshire but in different counties, so she's now in a home about 9 miles from us. Her LA contributes their local rate, which is £473. My mum needs EMI care and there are only two LA homes in our city which provide that. I wasn't happy with either of them. The home we found charges £900 pw (remember, this is Yorkshire), and that seems to be not an unusual fee here. Because I have no PoA and am going through the CoP my husband's currently topping up the money for the fees. He's only able to do this, for now, because he sold some shares. When we get permission from the court we'll sell my mum's home.
My sister and I are my mum's only beneficiaries, so my husband will eventually get his money back. Of course, in reality, my sister and I are funding the care because the money will be taken out of my mum's estate. We agree (thank God) that it's my mum's money, and it should go on care for her, not on an inheritence for us. I know realistically that my mum's no longer able to focus on or think about the environment she's in, but I am, and I like the home.
The manager told me that the funding issue for caring is a minefield and we've experienced that. The NHS want the Social Services budget to pay; the Social Services want the fees to come out of the NHS budget. The left hand doesn't know what the right hand's doing. My mum went from hospital to the care home, so theoretically the NHS should be paying the full fee, but they're not contributing anything. The LAs don't liaise with other LAs, and the rules seem to change from county to county.
Unfortunately, I think the situation is only going to get more complicated for those of us dealing with it. In my case I was never allowed the option of having my mum move in with us, so I had to find a home. There are more changes coming in and the whole framework is fragmented between various departments. This is such an important social issue and it infuriates me that it's politicians who will never have to worry about finding the money to pay for care who are making the policies that affect so many people.