Will they have to sell their home to pay for care?
- a child under 16 lives in the property;
- they’re in the first 12 weeks of needing permanent care;
- care is being provided on a temporary basis.
- your parent still resides in the home;
- a relative over 60 resides in the house;
- a disabled relative lives at the property;
The 12-week property disregard
As mentioned above, a persons’ property is excluded from the means test for the first 12 weeks following admission to a care home (once a permanent contract is established). This means that if their remaining capital falls inside the current threshold, then the local authority should assist you with the payment of your care fees.
It is worth noting that they will in most cases only pay up to their published limits, which could leave a family with what is known as a “third-party top up”, to cover any difference in actual care fees and the local authority contribution.
The money paid out by the local authority during the first 12 weeks is not normally repayable.
Deferred Payment Agreement (Government Loan Scheme)
If, after the first 12 weeks, the property has not been sold, the local authority can continue to pay towards the care fees, under the “deferred payment agreement”, but this money is repayable once the property is sold.
For example an advocate can act for you or provide information and support where:
– you wish to lodge a complaint
– you are involved in a safeguarding issue
– you need assistance in financial mattersThe advocate will explain your rights and advise on the best way of proceeding. They will liaise on your behalf with the Health Authority, with Social Services or any other organisations.