Hi all
I am new to the forum so will try to give you a brief overview of my situation. My dad has Vascular Dementia, diagnosed May 14 although I think he was a good year into it by then. I co-own our house with him as tenants in common, he owns roughly 2 thirds and myself a third and it has legally been like this for 16 years so no "deprivation of assets" should come into the equation so to speak. His dementia has got rapidly worse in the last 6-8 months such that I gave up work in October 2015 to become his carer. 3 weeks ago he fell off his mobility scooter in the icy weather and broke his femur and has been in hospital since. We went through a very tough first week there, where he became delirious but he has since improved from that state thankfully although seems much more confused than before he went in - having some hallucinations but an awful lot of delusions as well. He was due to be moved to a residential care home today funded by the LA while they assess him, but this has been delayed for the time being as his wound from the operation has now become infected - they are hoping as they caught it early he may be able to go there on Monday (fingers crossed). The SW said the funding would likely be for 2-3weeks while they get the assessments done but would be a maximum of 6 weeks. My big worry is this - after this period ends he will be classed as a self funder as his income alone is over the £23250 threshold, though not by much. He only has a very small amount of savings - less than £5000 so that won't last long. If the recommendation is that if his needs would be best met in a care home setting how we fund this? Even though he has a very good income it is still not enough to cover dementia care near to where we live. We do not have a LPA or COP deputyship in place so would not be in a position to sell the property quickly to release any of his capital, never mind the fact that the house is also my family home. I have no issue in selling the house to get the right care for my dad - I would just have to find somewhere to rent for my family ( or live in a tent - lol) So I suppose my question is this? Would the LA offer a Deferred Payment Agreement in this instance, especially with no LPA or COP in place and me as a joint tennant in common? If they would then this would give me the time to get the COP in place - my brother would be his deputy as I understand that I cannot be the deputy as I co-own the propoerty with my Dad. I hope this all makes sense. PS - neither myself or my brother have the money to be able to top his care fees up ourselves.
Thanks for any advice you might have.
I am new to the forum so will try to give you a brief overview of my situation. My dad has Vascular Dementia, diagnosed May 14 although I think he was a good year into it by then. I co-own our house with him as tenants in common, he owns roughly 2 thirds and myself a third and it has legally been like this for 16 years so no "deprivation of assets" should come into the equation so to speak. His dementia has got rapidly worse in the last 6-8 months such that I gave up work in October 2015 to become his carer. 3 weeks ago he fell off his mobility scooter in the icy weather and broke his femur and has been in hospital since. We went through a very tough first week there, where he became delirious but he has since improved from that state thankfully although seems much more confused than before he went in - having some hallucinations but an awful lot of delusions as well. He was due to be moved to a residential care home today funded by the LA while they assess him, but this has been delayed for the time being as his wound from the operation has now become infected - they are hoping as they caught it early he may be able to go there on Monday (fingers crossed). The SW said the funding would likely be for 2-3weeks while they get the assessments done but would be a maximum of 6 weeks. My big worry is this - after this period ends he will be classed as a self funder as his income alone is over the £23250 threshold, though not by much. He only has a very small amount of savings - less than £5000 so that won't last long. If the recommendation is that if his needs would be best met in a care home setting how we fund this? Even though he has a very good income it is still not enough to cover dementia care near to where we live. We do not have a LPA or COP deputyship in place so would not be in a position to sell the property quickly to release any of his capital, never mind the fact that the house is also my family home. I have no issue in selling the house to get the right care for my dad - I would just have to find somewhere to rent for my family ( or live in a tent - lol) So I suppose my question is this? Would the LA offer a Deferred Payment Agreement in this instance, especially with no LPA or COP in place and me as a joint tennant in common? If they would then this would give me the time to get the COP in place - my brother would be his deputy as I understand that I cannot be the deputy as I co-own the propoerty with my Dad. I hope this all makes sense. PS - neither myself or my brother have the money to be able to top his care fees up ourselves.
Thanks for any advice you might have.