Here’s a very common story we hear from many families who are trying to make sense of the care funding maze. Most are told to sell the house to pay for care – and yet they may not need to.
Here’s a typical story:
“My father is currently in hospital awaiting discharge. He’s been ‘assessed’ by Social Services who have decreed that he can go back to his house with a care package in place.
As yet, we don’t know what that care package is likely to be, or exactly what kind of assessment he’s had. No one told us it was even being done.
My father is frail with various health issues and he’s cognitively very confused and therefore vulnerable on many fronts. His family feels he needs full time care. In my view he should go through the NHS Continuing Healthcare funding assessment process.
He does not want to go back to his house, and has told us this. Historically, he has had a care package at home, but it has generally lasted only 48 hours before he’s been back in hospital.
We’ve been told that if he goes into a care home we’ll have to sell his house and self-fund. Is that correct?”
So do we have to sell the house to pay for care?
This is the kind of misleading information that families are given every day by people within health and social care.
Always remember – you do not necessarily have to sell your house to pay for care!
If you have a relative needing full time care, read this vital information on care fees and care funding – now. It will help you to:
- understand that you don’t necessarily have to sell the house
- see that an NHS Continuing Healthcare assessment should be carried out before anyone tells you to pay for care – and before you pay a penny in care fees
- understand why a Mental Capacity Assessment may be needed
Sadly it’s not unusual for ‘assessments’ to be carried out without the family’s proper involvement – and indeed the wrong assessments at that. Read more about care assessments.
Keep in mind the key point that it is not a person’s money or assets that determine whether they pay for care; it is their health and care needs ONLY.
So don’t be put off by anyone who tells you have to sell the house to pay for care – or that you always have to pay for care if you have savings. The only way to know if you have to pay for care is for your health needs to be assessed – not your money. Be sure to read this vital information about care fees before you agree to pay anything.