I wonder if anyone can throw light on the issue of from what source is the nursing home bill under the Fair Deal Levy paid from when a person dies. Is the money due paid out of the savings of the deceased where such savings are sufficient to clear the debt or is it levied against the whole estate. I would welcome any facts that might clarify the matter.
I would have thought the estate in its entirety would pay the outstanding bill to the HSE because when they applied for the "fair deal" all assets were accounted for.
I presume when most people pass on, their house would make up the majority of their estate and that could be the reason why the HSE might be specific about getting a charge on the house but in this case there seems to have been other assets of considerable value so the HSE might not have got a charge on the house but rather got one on the estate. I would presume this is in the agreement signed between the HSE and the deceased.
There are a number of things wrong in this post.
You cannot usually create a charge (a mortgage in effect) on anything other than a property, that is a house or land. The HSE Nursing Home Loan certainly doesnt take charges on anything except homes.
There is no such thing as a charge on an estate.
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