Staying in the house?

Discussion in 'Legal and financial issues' started by Goldleaf88, Sep 11, 2019.

  1. DesperateofDevon

    DesperateofDevon Registered User

    Jul 7, 2019
    700
    Hi,
    You need to ring the Alzheimer’s help line.
    Also Age Concern Uk have a good helpline for getting forms filled in.
    Have you applied for Attendance allowance for your Aunt.
    Also local councils have different policies it seems.
    Defo ring some helplines first before the Office of Guardians.
    Social services should have done a needs assessment as well.
    Not much help but you can’t be made homeless with a child, your payment / rent should be based on your income in this situation. Minimum guaranteed income rules ... it’s complicated & confusing.

    Let us know how you get on.

    Oh also your aunt should be getting reduced council tax with some diagnosis & allowances.
    Don’t know if you have followed all that up. Plus pension credits if she doesn’t have a high enough income.
     
  2. Jamesw46

    Jamesw46 Registered User

    Sep 11, 2019
    21
    Yes a bed bath is common practice for those lacking in mobility
     
  3. Goldleaf88

    Goldleaf88 Registered User

    Jul 30, 2018
    23
    Thank You! I will definitely look into that. I'm in the process of amending her council tax, as only got awarded Deputyship a month ago. It's a mine field regarding staying here and I don't want to start regretting my decision to look after my aunt.
     
  4. Goldleaf88

    Goldleaf88 Registered User

    Jul 30, 2018
    23
  5. Jamesw46

    Jamesw46 Registered User

    Sep 11, 2019
    21
    It will be hard work but it's doable,I'm a full time carer,the stress comes from the red tape and the worry about things like this,good luck to you
    Life can be full of worry anyway besides being a carer can't it,so your better at least striving to keep a home and doing your best for your Aunt x
     
  6. DesperateofDevon

    DesperateofDevon Registered User

    Jul 7, 2019
    700
    Keep us updated, a great support system on this forum.
    Look after yourself to
     
  7. RosettaT

    RosettaT Registered User

    Sep 9, 2018
    234
    Female
    Mid Lincs
    My OH lost all mobility after being in hospital for12 weeks. He has a bed down stairs with carers twice a day. He is hoisted from his bed to his chair. We have no bathroom down stairs and have nowhere to put one without building an extension. He has a commode and he is bed bathed twice a day. I don't have a problem with those arrangements for the time being. I said all along that I would wait at least 6 mths to see how things go and whether I could manage. He is self funding and it costs just over £1200 per month for 1 carer 2hrs per day as I am the second carer to help with turning and hoist safety person. If he went upstairs there would be no way he could go outside at this time. The other option I considered is to have a through floor lift put in so he can have use of all the house. The estimate for that is £15,000 but he still couldn't use the bathroom without having it redesigned. It would just mean I could have my lounge back but we never used it anyway.
     
  8. Sirena

    Sirena Registered User

    Feb 27, 2018
    1,503
    Female
    As you say OP, and RosettaT has confirmed, a bed bath can be the way forward when someone is very mobility limited.

    In terms of fees, my mother is self funding in a care home and she pays £800 a week. She previously had care at home which was £22 per hour. You would not necessarily need a live-in carer at home (which would be hugely expensive, moreso than a care home). It depends what her needs are, but you may be able to manage with carers in for just a few hours a day.
     
  9. nitram

    nitram Registered User

    Apr 6, 2011
    18,915
    Male
    North Manchester
    Noddy financial summary - you may have acted on some aspects

    Council Tax
    Aunt should be able, assuming over 60 (else different qualifying payment), to get AA and SMI meaning she is disregarded.

    Daughter will be disregarded until she is 18
    She may be disregarded after this
    https://www.gov.uk/council-tax/discounts-for-full-time-students

    If aunt and daughter are both disregarded you are sole occupant and will receive a 25% discount

    Benefits
    Again assuming AA or similar you may be eligible for carers allowance https://www.gov.uk/carers-allowance/eligibility


    Also have a look at https://www.citizensadvice.org.uk/b...n-credit/check-if-you-can-get-pension-credit/


    Acting as carer
    Your aunt may be able to legally employ you without any NI or tax payments due https://www.gov.uk/government/publi...payments/pn2-family-care-payments-web-version
     
  10. Beate

    Beate Registered User

    May 21, 2014
    11,696
    Female
    London
    I'm not sure you're entirely correct here, nitram. The rules state if a "child of the adult under 18" resides there, that it is cause for a mandatory disregard, but the referred to adult is the person who needs the care, so not applicable in this case.
     
  11. Beate

    Beate Registered User

    May 21, 2014
    11,696
    Female
    London
    I don't want to disagree again but regarding the council tax none of them should count. If the aunt is disregarded due to SMI, her niece should also be disregarded as her carer living with her. This does not apply to spouses so is often forgotten about.
     
  12. Goldleaf88

    Goldleaf88 Registered User

    Jul 30, 2018
    23
    I'm in shock as to the cost of caring for someone. I am starting to see why people give up their jobs to care full time..at home. Having support coming in 2 hours a day at the right time would be invaluable and by the looks of it, all we could afford.
     
  13. Rosettastone57

    Rosettastone57 Registered User

    Oct 27, 2016
    976
    My mother-in-law paid £17 for half an hour last year for carers, she was self funding. She paid more at weekends, she was near to London. Ad hoc overnight care was over £250 a night . When she went into care last year, she was paying £1300 a week. It worked out as much better value, about £9 an hour for 24/7 supervision
     
  14. DesperateofDevon

    DesperateofDevon Registered User

    Jul 7, 2019
    700
    Do you have to go self employed for that last one? Is my question.
    But brilliant post & answers to questions
     
  15. Goldleaf88

    Goldleaf88 Registered User

    Jul 30, 2018
    23
    Thank you, it is starting to look like that would be all we can do. £800 p/wk - last time I checked, carer's in a care home are not paid to highly
    Yes. I'm asking for the property to be disregarded on the grounds of aunt and me the carer over 35hrs p/wk. Still waiting on a reply......
     
  16. Goldleaf88

    Goldleaf88 Registered User

    Jul 30, 2018
    23
    Some really good links Nitram. Thank You
     
  17. Sirena

    Sirena Registered User

    Feb 27, 2018
    1,503
    Female
    I know it sounds a lot, but it isn't really when you think of the cost of carers being there 24/7, food, heating, laundry etc. My mother had to take the care home option because she lived alone and was no longer safe, but if you are there to provide company and supervision you may be able to continue (for some time at least) by getting some daily help from carers at home.
     
  18. Goldleaf88

    Goldleaf88 Registered User

    Jul 30, 2018
    23
    Wow!!
     
  19. Goldleaf88

    Goldleaf88 Registered User

    Jul 30, 2018
    23
    I think that's my only option. I only hope that all this won't affect my daughter (13) too much. I know it's life and she'll learn the kindness of caring for a loved one but it's already becoming very hard and it....never....stops!
     
  20. canary

    canary Registered User

    Feb 25, 2014
    10,249
    Female
    South coast
    If the amount that care and care homes cost scares you, do please read the link I posted about paying for care. It outlines at what point the Local Authority will start paying towards her care
     

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