You can apply to avail of a 'loan service' as part of Fair deal which means the liability will be paid after the residents death. Its usually availed of when a resident has no cash but does have property. Usually the property is sold after death and the HSE gets paid. Liability must be paid within 12 months of death.Where does this come into play?
No nursing home will wait until the resident passes away to be paid.
Yes - but the NH still has to be paid monthly, which the hse will do once all set up. You might get transitional funding in interim, this is where a social worker is very helpful.You can apply to avail of a 'loan service' as part of Fair deal which means the liability will be paid after the residents death. Its usually availed of when a resident has no cash but does have property. Usually the property is sold after death and the HSE gets paid. Liability must be paid within 12 months of death.
No it's not but to my understanding, if you don't have the actual funds to pay your 'asessed contribution ' and you reside in home longer than anticipated, the FD loan is usually the next step. Unless your family steps in and pays the feesAm open to correction, but I don't believe applying for the NHL is mandatory.
I fully understand the Fair Deal system - I have went through the process before for an uncle so Im fully aware how it works.Yes - but the NH still has to be paid monthly, which the hse will do once all set up. You might get transitional funding in interim, this is where a social worker is very helpful.
The loan is only recouped after death so to set up FD loan, you'll need to provide deed of house, your aunts signature on loan app (has she capacity?) And if she doesn't you'll need a DMR (No longer ward of court).
The obvious way not to have any liability is to not get involved but I do understand you are trying to do the decent thing by your aunt.I fully understand the Fair Deal system - I have went through the process before for an uncle so Im fully aware how it works.
I dont think you have read my posts. My Aunt doesnt have capacity and given the unique circumstances already outlined I am reluctant to being involved in the Fair deal application at all. I want my cousin ( her sole benificiary) to take responsibility. My fear is if he does not take responsibility and he does not in his role of executor sell the house the debts wont be paid. I dont want any part in it to ensure I have no liability.
I dont think you have read my posts.
My Aunt doesnt have capacity and given the unique circumstances already outlined
I am reluctant to being involved in the Fair deal application at all. I want my cousin ( her sole benificiary) to take responsibility. My fear is if he does not take responsibility and he does not in his role of executor sell the house the debts wont be paid.
No arm of the state can coerce you into assuming the costs of an aunt’s care.I dont want any part in it to ensure I have no liability.
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