Oh my goodness, I did not realise that!! That is such helpful advice, thank you! I thought the cut off for that though was 50 years old and I am 49 (50 in August)? I think it might be enough to change the key safe number to something no one would think of or maybe take the key out. No one else has a key other than me. I am absolutely desperate for Mum to go into a care home for both her wellbeing and mine. I have asked the hospital SS to put their reports to me in writing but they will not. In fairness my SS worker seems ok but says he is hamstrung as to what he can do whilst Mum is in hospital as she is under their SS. I have an advocate allocated to me who is back in on Monday so will speak with her asap. Hospital have said the discharge team work Mon to Fri between 9am and 3pm so hoping nothing will happen before then, Thank you and appreciate everyone's advice. Am totally on my own other than this forum.
Talk to the helpline about the situation about the rules concerning when the house is and isn't considered. It's quite complicated, and has never applied to me, so I'm only going by what I've read at various times.
One set of regulations has a cut off date of 60, however this is not apparently a hard and fast rule. As I understand it, If selling the house would make you homeless, then the house should not be considered.
Then there are rules about deferred payments, when the council do take the value into consideration, but put a "charge" on the house, and they reclaim what they paid as fees after someone dies.
Then IF mum was eligible for NHS Continuing Healthcare it would all be entirely free!
Go round the house and gather together all the financial paperwork, and draw up some sort of financial statement detailing all income and expenditure, and especially savings.
Then try to work out how long it would be before mum runs out of money.
It's easiest to do your calculations on a weekly basis as then the figures involved are relatively small.
For example, if mum had a pension of £100 a week and benefits of £100 a week, that's an income of £200 a week.
If the home cost £800 a week, with an income of £200 a week, that means her savings would go down by £600 a week
£800 fees less income of £200 gives a sum of £600 going from her savings.
Hope that helps.
By the time mum was in care, I had the support of a very kind counsellor. Very helpful.