When the fil goes into a home he will be non self funding, so he has not got 23,000 if im getting that right. anyway as he is almost 80 and the mil is about 5 years younger than him she will stay in her house but what will happen to the house is she was to have to go into a home too? Its unlikely but you never know !. She owns her own house and my hubby would hate to see it having to be sold for care! if he was named as a lpa for her now would that make a difference?