Q: Hi All
Not sure if anyone knows the answer but just want to know where I would stand as my elderly mother (72 years) had to be moved to a residential care.

She home owner and has a will to leave 3 / 4 2 of her estate to her grandchildren and the remaining 1 / 4 for me. Should the house be sold to pay for her care, there is advanced planning we can take to ensure that her wishes are carried out in the event that extra care of her she is not forced to sell her house.

Hope someone out there can give me some info.

Thanks in Advance

guy

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A:Thanks all, for the responses, she is not in one yet sorry should have made myself a little clearer. Therefore she has 7 years mortgage left on the property (my Dad died last year 10 years younger) for which there is a provision of funds to pay it off when the 7 years is up. My Children are 3 and 6 could she sign this house over to them not sure if that is possible until mortgage paid off and then in the event of her going into care the home is protected? So confusing and annoying just do not want to see all my Dad's hard work dissappear, no doubt many others feel the same.
SmileyKylie – would it affect my mothers income/assets if she were to get assistance with housework etc as this seems to be the struggle at the moment?

Also the

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A:Hi All
Not sure if anyone will know the answer but just want to know where I would stand if my elderly mother (72 yrs) had to be moved into residential care.

She is a home owner and has made a will to leave 3/4 of her estate to her 2 grandchildren and the remaining 1/4 to me. Would the home have to be sold to pay for her care, is there advanced planning that we can take in order to ensure that her wishes are carried out and in the event of her requiring extra care she is not forced to sell her home.

Hope someone out there can give me some info.

Thanks in Advance

guy

One suggestion may be to rent the property out and use the funds to assist the nursing care costs. I dealt with a client about a year ago who's mother was going into nursing care, her property was unencumbered, my client raised a mortgage against the property to assist fees, we agreed a set figure for the mortgage allowing for approximately 5 years fees and used a mortgage deal where you can pay excess cash back to the mortgage provider, that way you only pay for the outstanding balance and the relative enjoys good quality nursing care.

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A:If the council is helping to place your mother they will carry out a financial assessment, in which they look at all income, investments and property. They will disregard it for 12 weeks only. They will most likely expect you to sell the property once her other funds run out. If you do not sell it it may have a charge put against it to recoup any fees owed.

Unfortunately it does not matter what your mother puts in her will. Transferring the property is also not really possible as they will see look back over several years.

I work in social services and this is the question we get asked the most. It is also the one that makes the most people angry – understandably!!!

Your local council should have financial charging information sheets available to you to explain it more.

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A:There is nothing you can do, the house would have to be sold once all her savings have run out. You would have had to have asked her to put the house in her grandchildrens name around 6 years before the need for nursing home and I think she would have then had to show that she was paying rent. My friend is in a similar position and her mothers house has just been sold to pay nursing home fees. My friends mother is very unhappy about that as she and her late husband have saved and saved for their children and grand children.

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