Selling Parents Home To Pay For Care
Discussion
Anybody had any recent experience of this ?
Looks like mother will need to go into a care home shortly. She has some savings but only enough to pay for 2/3 months so the inevitable sale of property will happen.
Thought you had 6 months to sell the house but now looks like it might only be 3 ?
Added complication that I live here with her and not sure where I stand. I do have a house but it is currently rented (& new people just moved in last week).
Looks like mother will need to go into a care home shortly. She has some savings but only enough to pay for 2/3 months so the inevitable sale of property will happen.
Thought you had 6 months to sell the house but now looks like it might only be 3 ?
Added complication that I live here with her and not sure where I stand. I do have a house but it is currently rented (& new people just moved in last week).
Hi,
I'm not an expert on this but I will likely be in a similar boat to you at some stage in the near future.
Here what I think happens but if anything is not accurate then others will correct me:
If you have your name on your mother's/parents house then that may somewhat complicate things as would assume a share of the sale proceeds would go to you and the rest would be used to fund your mother's care home costs.
Assuming your parents are the only listed owners on the property deeds once it's sold then the LA or yourself if you have deputyship/poa for your mother, could administer the funds to pay for care and I believe once the funds are down to the last £23k the LA would step in to bridge the gap in funding. However I've heard stories where if a persons savings are run down to the last £23k and they are in a relatively expensive care home, LA funding limits means the person may need to be moved to a cheaper care home at the discretion of the LA.
As you have another property (albeit on rent) I think the LA would be of the view you can move into that one unless you are willing to buy out your parents home or pay "rent" that would help to cover care costs.
As for your mother's savings not covering the care home costs beyond a few months I assume the LA will simply put a charge on the property and recoup costs once the sale is done...something along those lines I think.
This situation you are in will be coming my way soon too though no idea when.....
I'm not an expert on this but I will likely be in a similar boat to you at some stage in the near future.
Here what I think happens but if anything is not accurate then others will correct me:
If you have your name on your mother's/parents house then that may somewhat complicate things as would assume a share of the sale proceeds would go to you and the rest would be used to fund your mother's care home costs.
Assuming your parents are the only listed owners on the property deeds once it's sold then the LA or yourself if you have deputyship/poa for your mother, could administer the funds to pay for care and I believe once the funds are down to the last £23k the LA would step in to bridge the gap in funding. However I've heard stories where if a persons savings are run down to the last £23k and they are in a relatively expensive care home, LA funding limits means the person may need to be moved to a cheaper care home at the discretion of the LA.
As you have another property (albeit on rent) I think the LA would be of the view you can move into that one unless you are willing to buy out your parents home or pay "rent" that would help to cover care costs.
As for your mother's savings not covering the care home costs beyond a few months I assume the LA will simply put a charge on the property and recoup costs once the sale is done...something along those lines I think.
This situation you are in will be coming my way soon too though no idea when.....
Are you sure she will need to go into a home shortly?
There is a lot of help out there to keep people in their own homes as long as possible. My father, for example, had carers in four times a day for over a year. He now has a live in carer. Although he is currently paying his own way, it won’t be too long before his money runs out. I believe that social services will have to pick up the bill at this point.
There is a lot of help out there to keep people in their own homes as long as possible. My father, for example, had carers in four times a day for over a year. He now has a live in carer. Although he is currently paying his own way, it won’t be too long before his money runs out. I believe that social services will have to pick up the bill at this point.
SimonTheSailor said:
Grandad Gaz said:
Are you sure she will need to go into a home shortly?
Well not sure exactly but recently I have been helping her walk about all the time, and helping her get in and out of bed a few times a night. She would need a live in carer at a minimum I believe.Age UK have a lot of advice for homecare on their website;
https://www.ageuk.org.uk/information-advice/care/a...
pequod said:
SimonTheSailor said:
Grandad Gaz said:
Are you sure she will need to go into a home shortly?
Well not sure exactly but recently I have been helping her walk about all the time, and helping her get in and out of bed a few times a night. She would need a live in carer at a minimum I believe.Speaking to your mother's GP is another option, that's the route I took to secure her care from the LA. It did take a while but the GP really helped to escalate/push matters such that the LA actually pulled their finger out and got the ball rolling with care assessments etc
She is self funding but all arranged via the LA so the care agencies used will be only those who have a contract with the LA. Some carers are better than others as opposed to a care agency being simply good or bad but that can be looked at further down the line.
She is self funding but all arranged via the LA so the care agencies used will be only those who have a contract with the LA. Some carers are better than others as opposed to a care agency being simply good or bad but that can be looked at further down the line.
SimonTheSailor said:
Anybody had any recent experience of this ?
Looks like mother will need to go into a care home shortly. She has some savings but only enough to pay for 2/3 months so the inevitable sale of property will happen.
Thought you had 6 months to sell the house but now looks like it might only be 3 ?
Added complication that I live here with her and not sure where I stand. I do have a house but it is currently rented (& new people just moved in last week).
As others have said contact her GP, your local authority and Aged UK. Lots of information there. Do you have Power of Attorney (POA) in place for health and finances (2 different POAs), if not, get this done asap. You don't state if your mother's issues are mental or physical (but reading on it sounds physical). The LA's can sort of 'loan' you the money until you have funds available, but there is interest to pay. Actually there are some specialist financial advisors about this sort of thing too that might be worth contacting. If the house is just in your mother's name this is different than if your father is on there too. It makes a difference.Looks like mother will need to go into a care home shortly. She has some savings but only enough to pay for 2/3 months so the inevitable sale of property will happen.
Thought you had 6 months to sell the house but now looks like it might only be 3 ?
Added complication that I live here with her and not sure where I stand. I do have a house but it is currently rented (& new people just moved in last week).
As an FYI, my experience was as follows. Mum lived alone and owned her house outright. She was succumbing to dementia but refused any help or assessment etc. Tough situation. 'Fortunately' she had a fall at home that got her into hospital for checking over and I was able to leverage this into getting assessments. After a few weeks social services determined she should go into a care home. The LA funded it for a while (weeks) at no cost to us (not sure the reasoning, but very welcome). We then had to sell her house as it was determined she was self funding. The care home worked with us outside of the LA until the house was sold. Basically now the house sale is 100% funding her care home costs until she gets to the Gov threshold. None of this was too easy as my mum has no other family, only my brother and I and I live in the US and he in Australia, but we have her looked after now. There are several threads on the Health and the Finance sections here about this.
Thanks everybody. I've been battling with the GP for a while to physically see her and assess her, it was always telephone assessments and another blood test. Eventually got Adult social services onboard with another assessment over the phone (I guess kind of understandable bearing in mind what we are going through).
She just needs a lot more help than I can really give her and even somebody coming in 4/5 times a day would not be enough. At a minimum I guess she would need a live in carer but not sure my mother would want/accept that !
It's not a great thing to say but I'd actually prefer her to be in a care home with qualified people looking after her.
She just needs a lot more help than I can really give her and even somebody coming in 4/5 times a day would not be enough. At a minimum I guess she would need a live in carer but not sure my mother would want/accept that !
It's not a great thing to say but I'd actually prefer her to be in a care home with qualified people looking after her.
I know it can seem like a endless struggle as that's how it was for me trying to get my mothers GP to have her referred but stick with it, persistency pays. I was maybe fortunate that my mother's GP realised how much I was struggling so helped speed things up. Covid won't be helping situation so be prepared for delays as anything and everything is being held up at the moment.
Also as another poster mentioned, if you haven't already consider getting PoA asap (easier to go down this route whilst/if your mother is still deemed as 'having mental capacity', in my case it wasn't so straighforward and couldn't apply for Poa hence took longer)
Also as another poster mentioned, if you haven't already consider getting PoA asap (easier to go down this route whilst/if your mother is still deemed as 'having mental capacity', in my case it wasn't so straighforward and couldn't apply for Poa hence took longer)
SimonTheSailor said:
She just needs a lot more help than I can really give her and even somebody coming in 4/5 times a day would not be enough. At a minimum I guess she would need a live in carer but not sure my mother would want/accept that !
It's not a great thing to say but I'd actually prefer her to be in a care home with qualified people looking after her.
I felt the same about my father a year or so ago. It's not a great thing to say but I'd actually prefer her to be in a care home with qualified people looking after her.
I was convinced he had to go into a care home. The carers were brilliant and told me he was a long way off that. He has now adapted to life very well, although it did take time for him to accept his situation. He has a hospital bed set up downstairs. He cannot walk anymore, so he has an electric wheelchair which enables him to get around the house. We built him a ramp outside the front door so he can at least get down to the end of the drive and chat with the neighbours.
I think your mother would probably prefer a live in carer over a care home!
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