MOH recently fell and fractured his femur, this was pinned and all seemed to be going well until it was discovered that he had an infection in the op site, and a UTI, which was found to be an ESBL, e-coli ! He has been transferred to three different hospitals, as well as returning to the main hospital twice, to A & E.
He is now very confused, doesn't know where he is, (no wonder), has practically stopped eating and won't take much fluid. In spite of my encouragement to eat, he refuses. I have explained that he must gain strength to be able to return to our home. He has now lost quite a lot of weight, and is virtually unable to stand even with the physios.
Now his return to our home is being assessed, as I am myself disabled, even having previous nursing experience, I will be unable to care for MOH alone if he is unable to stand on his own. Therefore it seems that we will either have to employ carers, or have MOH admitted to a care home. A close friend has recently experienced a similar situation, so I am familiar with the procedure, BUT we have a small mortgage granted to us on the income of both of us. MOH has an occupational pension which as I understand it fifty percent of that will go towards his care, this being the case, I will be unable to pay the mortgage. I know that if he dies, his pension would be transferred to me, leaving me well able to pay the mortgage. But this isn't the case.
What happens to my home if I can't pay and would the financial assessment allow for the mortgage, as it is in joint names ? Any advice greatly appreciated.
He is now very confused, doesn't know where he is, (no wonder), has practically stopped eating and won't take much fluid. In spite of my encouragement to eat, he refuses. I have explained that he must gain strength to be able to return to our home. He has now lost quite a lot of weight, and is virtually unable to stand even with the physios.
Now his return to our home is being assessed, as I am myself disabled, even having previous nursing experience, I will be unable to care for MOH alone if he is unable to stand on his own. Therefore it seems that we will either have to employ carers, or have MOH admitted to a care home. A close friend has recently experienced a similar situation, so I am familiar with the procedure, BUT we have a small mortgage granted to us on the income of both of us. MOH has an occupational pension which as I understand it fifty percent of that will go towards his care, this being the case, I will be unable to pay the mortgage. I know that if he dies, his pension would be transferred to me, leaving me well able to pay the mortgage. But this isn't the case.
What happens to my home if I can't pay and would the financial assessment allow for the mortgage, as it is in joint names ? Any advice greatly appreciated.