Understanding Care Home Costs in the UK when a Spouse is Not on the Deed of the House

When a family member needs to move into a care home in the UK, the financial responsibility can be complex and can vary significantly, especially if the care recipient's spouse is not listed as a co-owner of the property. This article aims to clarify the financial implications and the roles of municipal authorities, private funding, and other considerations.

What Happens When a Spouse Enters a Care Home?

Firstly, it's important to understand that the cost of care homes in the UK is paid in real-time and does not accrue after the individual's death. If the person moving into care has no assets, the local council (municipal authority) will oversee the payment of the fees until the patient's estate can settle the final outstanding balance.

Private and Local Authority Funding

The decision on who covers the costs depends on the financial standing of the patient and their spouse. In cases where there are modest means, the council may take over the financial responsibility. However, if the facility is particularly expensive, the patient might need to move into a more affordable option. It's crucial to understand that if the patient has over ￡23,000 in assets, the state will not cover the full cost of care.

Legal and Financial Considerations

When a care home is privately funded, the individual needs to ensure that any outstanding costs are settled by their estate after their passing. This can lead to a potential obligation for the estate to cover any remaining charges. It's important to note that if the patient has no assets, this can still be a significant concern for the surviving spouse and family.

Non-Owned Property and Local Authority Contributions

Even if the individual who needs care does not own a property, it's not their personal asset. However, if a spouse does own the property, it will be considered under the same financial rules. If the patient has more than ￡23,000 in assets, the local authority may charge a deferred payment, effectively turning part of the property into a loan. The property value is only applied upon the death of the patient who was in the care home, provided they were the sole owner.

Complexities and Planning

Working with mental capacity and the potential need for a court of protection order can add significant complexity. Encouraging the patient to empty their bank accounts and make them joint with their spouse, or to apply for a lasting power of attorney for health and finances, can help manage these challenges. Once the patient passes, the power of attorney is void.

NHS Contributions and Nursing Homes

Nursing homes specifically receive a fixed weekly contribution from the NHS. This is to cover the nursing care provided, which is based on professional skills and knowledge. For non-nursing homes or care at home, district nursing services may be available, but they are provided at a different cost structure. The NHS does not cover the general care home fees in full, but the differential can be covered by the local authority or private funding.

Final Thoughts

Understanding these financial and legal aspects is crucial when dealing with a care home placement. It's essential to consult with adult social care in the local area and to have a clear plan in place to manage the financial implications. Additionally, planning ahead with a lasting power of attorney can significantly alleviate many of the stress points associated with dealing with care home costs.

Additional Resources

For more detailed information on UK care home costs, consult official government resources or speak with a professional advisor who specializes in elder law and social care funding.