Care Home cost and savings
Care Home cost and savings
Author
Discussion

x5x3

Original Poster:

2,426 posts

277 months

Monday 29th December 2025
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My father has been in a care home for while now and is basically getting close to the £23.5K threshold for savings which I understand is his to keep.

I've applied on his behalf to the local Adult Social Services but they are very very slow and I'm suspecting he will need to go under this amount before they even assess him.

Has anyone been through this before? If he continues to fund his care will ASC repay him up to the threshold?

Ruskie

4,381 posts

224 months

Tuesday 30th December 2025
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Speak to age UK or Citizens Advice Bureau.

Once council take over payment, they are entitled to move the person if there care needs can be met somewhere else, but cheaper. Doesn’t always happen but it can unless there are mitigating circumstances such as end of life imminent.

Earthdweller

17,961 posts

150 months

Tuesday 30th December 2025
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My mother was in the same position, by the time they started to assist she was down to £14k

They don't top up savings back to what they were when you applied

Also the amount they provide doesn't cover the full care home costs so we ended up still drawing down from her savings at about £350pcm and topping up the care home fees


Tagteam

407 posts

47 months

Tuesday 30th December 2025
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Ruskie said:
Speak to age UK or Citizens Advice Bureau.

Once council take over payment, they are entitled to move the person if there care needs can be met somewhere else, but cheaper. Doesn t always happen but it can unless there are mitigating circumstances such as end of life imminent.
This is the one thing to be very careful of, is they could be moved to the cheapest bed available.

Earthdweller

17,961 posts

150 months

Tuesday 30th December 2025
quotequote all
Tagteam said:
Ruskie said:
Speak to age UK or Citizens Advice Bureau.

Once council take over payment, they are entitled to move the person if there care needs can be met somewhere else, but cheaper. Doesn t always happen but it can unless there are mitigating circumstances such as end of life imminent.
This is the one thing to be very careful of, is they could be moved to the cheapest bed available.
I suppose it varies from area to area

Personally in dealing with the local council/social services I found them excellent to deal with and with the residents well being, health and lack of disruption primary

My mother had dementia (mild) and they genuinely seemed to want what was best for her


Planet Claire

3,411 posts

233 months

Tuesday 30th December 2025
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Did you tell SS that your father is a capital depleter? The social services department I work in our teams are usually pretty quick at going out to assess and usually suggest to call when approaching the capital limit, rather than when it's surpassed.

DT1975

1,167 posts

52 months

Tuesday 30th December 2025
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I put my 93 year old mum in a care home two weeks ago for respite as she was basically bedbound (COPD, cancer etc).

She has enough income / assets that should equate to about 3 years of safety, dignity, warmth, proper food and hourly checks before the money runs out and may have to be relocated to another home. She's also happy there. The truth is she probably won't last a year.

I've just extended the respite and want her to stay full time which has unfortunately created a massive family rift over the last few days. Obviously the rift is over the expenditure, why would they care I wonder ? She's getting the best care possible in the end stages of her life yet they want to ship her back to her flat with a couple of home care visits a day and left alone at night. It beggers belief.

Shooter McGavin

8,676 posts

168 months

Tuesday 30th December 2025
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My dad was just under the limit when he went into a care home with Alzheimer's, so although this wasn't an issue for us, I was aware of the issues surrounding it.

You don't mention the reason for being in a care home, but assuming it is dementia, can I suggest you arrange a callback with The Alzheimer's Society. A trained advisor will give you some proper advice for free. I found this to be really helpful.

https://www.alzheimers.org.uk/get-support/dementia...



ziggy328

1,328 posts

238 months

Tuesday 30th December 2025
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Have a read through this. Any questions please feel free to ask.

https://www.pistonheads.com/gassing/topic.asp?h=0&...

Earthdweller

17,961 posts

150 months

Tuesday 30th December 2025
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DT1975 said:
I put my 93 year old mum in a care home two weeks ago for respite as she was basically bedbound (COPD, cancer etc).

She has enough income / assets that should equate to about 3 years of safety, dignity, warmth, proper food and hourly checks before the money runs out and may have to be relocated to another home. She's also happy there. The truth is she probably won't last a year.

I've just extended the respite and want her to stay full time which has unfortunately created a massive family rift over the last few days. Obviously the rift is over the expenditure, why would they care I wonder ? She's getting the best care possible in the end stages of her life yet they want to ship her back to her flat with a couple of home care visits a day and left alone at night. It beggers belief.
Yes 100% it's what's best for your mum, no one else

My mum was living with us, grounds floor bedroom, wet room etc all disabled friendly until she got too much for us

The strain it was putting on us as individuals as well as our marriage was immense

I agonised about it for a while as I felt I'd be letting her down .. in the end it was the best decision for everyone particularity my mum, she was really happy in the home

All her money went, we were left with just enough to bury her and have a bit of a wake for her

But she was happy and that's all that mattered

x5x3

Original Poster:

2,426 posts

277 months

Tuesday 30th December 2025
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wow, thanks for all your replies, I will check out all the links supplied but I have to say he is happy where he is and if it turns out he has to spend the rest of his savings and we have to supplement it then so be it.