Presumably it is still the same now, it has been a few years since I did it. My mum didn't have the loan so about €80K a year was going out of her account. I just sent in a simple letter, they do the sums.
Dear HSE, Mum’s cash assets when last assessed were €xxxx.
After paying nursing home fees, house insurance / maintenance, clothing etc Mums cash assets today are €xxx.
Enclosed are bank statements since last assessment.
As cash assets have dropped substantially, would you please reassess her contribution.
Yours sincerely,
Nursing home, utilities, alarm were all on direct debits so were very clear on bank statements, there were other payments for clothes etc showed up as Dunnes Stores, Allianz was for house insurance, presumably as all looked reasonable, they questioned nothing.
The HSE wrote back a few weeks later with a short explanation saying her contribution will now be €xxx.
There was no mention of the house from me or the HSE, the only thing that was reassessed was cash assets.
I did it twice, each time the new payment was substantially lower, well worth doing and I would guess many don’t do it.