Will I lose my house if I need to go into a Care Home?
This is one of the most frequent enquiries that we receive and at Gray Magee Solicitors we can help you plan your affairs to help protect your assets and minimise the risk of this happening.
Currently in Northern Ireland, Residential and Nursing Care is administered by Health & Social Care Trusts and they assess whether or not you are liable for Care Home fees by doing a means assessment by applying the rules in CRAG (Charging for Residential Accommodation Guide).
Currently if you have capital of more than £23,250.00 you will have to pay for residential care. If your capital is less than £14,250.00 your capital is disregarded and the Trust will pay for your fees. There is a sliding scale between these two figures, but there are a series of exemptions that may apply to your circumstances.
If you have a family member who may require residential care in the near future speak to us as soon as possible and ideally before you complete any means assessment to ensure that you are highlighting all the relevant circumstances and claiming relevant exemptions that are set out in the guidelines. For example, if a spouse or a family member over the age of 60 or someone with a disability continues to live in a property that is owned by the person requiring residential care, that entire property may be disregarded.
SPEAK TO US BEFORE YOU COMPLETE A MEANS ASSESSMENT OR TO DISCUSS YOUR CONCERNS ABOUT NURSING CARE AND WE WILL HELP YOU TO NEGOTIATE THE MINEFIELD OF LEGISLATION.
Contact us on 028 90365955 for a FREE NO OBLIGATION appointment.