Posts tagged “Care fees”

In 2014 the Care Act introduced a ‘care cap’ of £72,000 on the total you would be liable to pay for your care costs. It came in to effect in April 2020
However, most people will have to spend much more before the cap is reached; often over £140,000. 
During the coronavirus pandemic we have seen some upsetting examples of how elderly people have felt lost and abandoned when their families are unable to visit them in their care home. 
This has been an exceptional time. In most cases your loved ones will be happy and well looked after in their care home, but it isn’t surprising that many families wanted to bring their relatives home during the outbreak. 
Family members, most frequently parents, worry about how to provide for a relative who is, or who could become, vulnerable. 

Who is vulnerable? 

Of course, we could all become vulnerable at some point in our lives due to accident, illness, or changes in our circumstances. 
However, more generally someone could be described as vulnerable if they: 
aren’t educationally or emotionally mature for their age 
don’t understand how to manage their finances 
depend on ‘means tested’ benefits for their day to day needs because they are unable to work, for example. 
The answer could be ‘yes’.  
Many people are unaware that local Councils can investigate your finances if they think your cash and other assets have been deliberately reduced to avoid paying for your care. 
The average cost of a care home in 2017 to18 was £750 a week. With the average length of a stay being around 30 months, a typical bill could be £90,000. 
If Councils believe that someone has deliberately given away assets to avoid paying for their care, they can use ‘deliberate deprivation of assets’ rules to claw back the cost of care. 
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