Bit of background and a few moving parts to this but hoping for some general advice/help on this.
My grandmother has been living with her son in her long term home for the last several years since my grandad died. It's apparent that her memory has been declining over the last couple of years but her son and her have effectively been caring for each other and it has worked for them.
Unfortunately there was a fire at the house in which my uncle died, so my nan is temporarily living with my parents while the house is repaired (a couple of hundred miles from where she lives). It has become clear that some decisions are now going to have to be made about long term care, what that looks like, trying to keep things as 'soft' as possible in that regard as my nan has been a very independent and strong willed woman all of her life. It is not viable for her to stay with my parents as there is no room (she is sharing a room with my mother currently).
An appointment has been made to visit a local doctor for assessment and with that there will probably be some interaction with adult social care. It seems that the right and proper thing now is to apply to the COP as there has never been any LPA registered and this is something I have suggested. However, as I understand it this will mean her assets are frozen and no decisions can be made during the process without individual emergency/urgent orders being granted by the court for each issue.
What I don't understand is what help and support is available while the bank account etc is frozen. I get that this is important to stop any financial abuse but what are the actual mechanics of this? I am worried that this could impact on a few things:
The ongoing insurance claim to repair the house
There is a lifetime equity release mortgage against the house, what will happen to this
If an assessment needs to be made and a care strategy is decided how is this paid for and how is this assessed without access to her bank etc (she has very little in the way of assets other than anything over and above the mortgage repayment as an when that happens
We're not in a position to pay for legal assistance for this and I have offered to sort paperwork for the COP. I just want to make sure I am suggesting the right things in the right order and that taking these actions isn't going to blow everything up and make things worse for everyone, my nan included.
If anyone has any experience or advice, or any questions it would be very gratefully received.
My grandmother has been living with her son in her long term home for the last several years since my grandad died. It's apparent that her memory has been declining over the last couple of years but her son and her have effectively been caring for each other and it has worked for them.
Unfortunately there was a fire at the house in which my uncle died, so my nan is temporarily living with my parents while the house is repaired (a couple of hundred miles from where she lives). It has become clear that some decisions are now going to have to be made about long term care, what that looks like, trying to keep things as 'soft' as possible in that regard as my nan has been a very independent and strong willed woman all of her life. It is not viable for her to stay with my parents as there is no room (she is sharing a room with my mother currently).
An appointment has been made to visit a local doctor for assessment and with that there will probably be some interaction with adult social care. It seems that the right and proper thing now is to apply to the COP as there has never been any LPA registered and this is something I have suggested. However, as I understand it this will mean her assets are frozen and no decisions can be made during the process without individual emergency/urgent orders being granted by the court for each issue.
What I don't understand is what help and support is available while the bank account etc is frozen. I get that this is important to stop any financial abuse but what are the actual mechanics of this? I am worried that this could impact on a few things:
The ongoing insurance claim to repair the house
There is a lifetime equity release mortgage against the house, what will happen to this
If an assessment needs to be made and a care strategy is decided how is this paid for and how is this assessed without access to her bank etc (she has very little in the way of assets other than anything over and above the mortgage repayment as an when that happens
We're not in a position to pay for legal assistance for this and I have offered to sort paperwork for the COP. I just want to make sure I am suggesting the right things in the right order and that taking these actions isn't going to blow everything up and make things worse for everyone, my nan included.
If anyone has any experience or advice, or any questions it would be very gratefully received.