PS - my understanding is that when you are only talking about 'extra care' - ie, paying for care workers to come to his house - only his SAVINGS and income are taken into account to see if he qualifies for 'free' extra care. The value of his house will NOT be taken into consideration by the state. That is another very good reason for keeping him out of residential care!
(In the end, we are all, sadly, 'gambling' on how long they will live. Had my MIL died within six months of entering a care home her children could have had a nice chunk of inheritance from her! Now they will get zilch!)(The state allows us to keep £14000 IN TOTAL - from £23,500 to £14,000, the state contributes to care home fees on a sliding scale, but only steps in completely when we are down to the £14k!)
Oh, and out of that measly £14,000 we have to allow for the cost of our funeral too!!!! We CANNOT set aside money for that beforehand! (Unless it was decades before care was needed - otherwise it's, yet again, deprivation of assets!)
So, with funerals costing lets say £4k-ish these days, the most you'll inherit is £10,000.......
(In the end, we are all, sadly, 'gambling' on how long they will live. Had my MIL died within six months of entering a care home her children could have had a nice chunk of inheritance from her! Now they will get zilch!)(The state allows us to keep £14000 IN TOTAL - from £23,500 to £14,000, the state contributes to care home fees on a sliding scale, but only steps in completely when we are down to the £14k!)
Oh, and out of that measly £14,000 we have to allow for the cost of our funeral too!!!! We CANNOT set aside money for that beforehand! (Unless it was decades before care was needed - otherwise it's, yet again, deprivation of assets!)
So, with funerals costing lets say £4k-ish these days, the most you'll inherit is £10,000.......