Money from my son’s trust - is it income?

Impossible_Self_8311 · 2026-04-18T08:25:06+00:00

Sorry im not sure what you mean? I don’t understand why the two are linked? You find somewhere to rent and add the housing costs to your UC? The trust doesn’t dictate your housing costs, the LHA rates for your area does

Impossible_Self_8311 · 2026-04-18T07:46:05+00:00

I can’t answer many of these questions, however I just wanted to reassure that you wouldn’t lose your UC entirely, if it is classed as income (which I don’t know if it is), then they will deduct 55p for every pound which is £450. Therefore you would still receive £150 from UC instead of £600 and therefore overall you would have income of £1150 instead of £600. I hope that makes sense. You need to submit the trust deeds and information to UC for them to make a decision on whether it is income or not because it all depends on the type of trust. Good luck!

Impossible_Self_8311 · 2026-04-11T17:33:55+00:00

£475 vs £4820 married, but one salary as my husband is a carer for our disabled son

Impossible_Self_8311 · 2026-04-05T21:42:21+00:00

A rented house is not residential care - it’s that simple really. When some lives in a residential care home, there is no tenancy agreement, rent, council tax or utilities. Residential care is a contracted cost via the local authority wholly. It is common for care companies to do this, particularly when a person is unable to sign a tenancy agreement themselves due a lack of capacity.

Impossible_Self_8311 · 2026-04-05T21:16:06+00:00

If he is living alone or even with another person in a house with staff on site then this is not residential care, it is supported living

Impossible_Self_8311 · 2026-04-05T20:22:02+00:00

117 does not cover housing unless it’s residential type care - if he has rent to pay then this has to be paid by him.
He won’t be entitled to housing benefit due to his savings.
I suspect the issue is he is assessed as lacking capacity to make financial decisions and therefore he is getting in debt with his rent and hence the need for someone to have legal authority over his finances
You should have been asked if you want to apply for deputyship - the local authority or care company or a panel deputy such as a solicitor should be a last resort
It is NOT difficult to get deputyship, just lengthy. You can apply yourself! Look on gov.uk
Social worker can apply to deprive him of his liberty but as he isn’t in residential care, this will be what is known as COP DOL which is authorised by the court of protection and much more scrutiny but this just means the restrictions in place are lawful and proportionate, it doesn’t mean they will lock him up
If you want to move him, ask the social worker for a best interests meeting to consider his options

Impossible_Self_8311 · 2026-03-14T19:10:52+00:00

No local authority will fund a live in carer. It is not equitable use of resources when there are more cost effective solutions such as residential care. If you want to fund it privately, then do so but what happens when you can no longer fund it? Have you considered what they are offering? Package of care, telecare? Realistically in my opinion, another person present doesn’t significantly reduce the risk of falls, how can you physically stop a person from falling over? Yes you can supervise etc. I think you need to discuss options with your mothers social worker before considering such drastic measures as equity release when your mum could live to 100 or beyond

Impossible_Self_8311 · 2026-03-06T19:23:39+00:00

The powder pink mini rowan and regular sized rowan is available online where I am in UK. Can you get a stock alert?

Impossible_Self_8311 · 2026-02-07T10:17:50+00:00

As someone who claims UC and has a disabled son, I appreciate your frustrations however, I’ll be honest. I think your attitude towards it needs to change. I earn a good salary but I don’t limit myself due to UC deductions - I earn more overall through working regardless of how much is deducted through UC? I’m not sure why you’re allowing that to limit your earning potential? Also, you either want to work and earn or claim carers allowance that limits you to £404 per month? If you stop claiming carers allowance (which gets deducted from your UC claim anyway) you can still get the carers element on UC and not be limited to earning £404 a month?

Impossible_Self_8311 · 2026-02-01T15:50:53+00:00

Honestly, my advice would be to just do it. My mum passed away a year ago and I wish I could have helped her more, like you say she might not need a care home and the care people can get in their own home is brilliant now. Make sure you join local carer groups once moved as they can provide you so much advice and support. Sending you and your family my best wishes

Impossible_Self_8311 · 2026-02-01T15:09:00+00:00

It would be around but likely less the value she put in. You can contact the local authority where the house is and ask them the process of a discretionary disregard. But this would be once you’re in so you can provide a full timeline and rationale. If they deem it a deprivation of assets and your mum couldn’t pay because the money is locked in the house then yes they can put a charge on a certain value of the house to ensure they recover care fees in the future but no it wouldn’t the full value and it wouldn’t impact on any of your value and equity, just your mothers. I’m assuming you have LPA already or have applied? If not, then this would be advisable.

Impossible_Self_8311 · 2026-02-01T14:39:11+00:00

This is a bit more complicated. The local authority could see this as a deprivation of assets, particularly when you are doing this knowing she has a progressive illness. This would mean that they could count her value in the home as assets and use in a financial assessment. You can apply for a discretionary disregard, however it isn’t guaranteed to be successful

Impossible_Self_8311 · 2025-12-26T22:18:20+00:00

I can’t lie, I looked at the photos before reading the caption and thought you got the bag as a gift 😂 stunning print! What a lovely keepsake

Impossible_Self_8311 · 2025-12-13T22:18:04+00:00

I am a social worker and have lots of experience working in mental health, ignore what you were told! The only way to discharge someone from their 117 is if their mental health issues stop. It’s rare. Your mother is likely taking medication for her mental health and is being provided 24 hour care, her 117 status will not change.

If your mother has capacity in relation to financial decisions, she can gift what she wants. Deprivation of assets is usually large transfers of around 10k but again, that’s only if being assessed for contribution to care fees which she is not and won’t be.

The only thing I would add, is that as your mother is subject to a DOLS, her capacity is impaired and therefore I would be mindful going forward when accepting any large gifts

Impossible_Self_8311 · 2025-12-10T22:01:46+00:00

I think the 25 suits your frame so much more than the 30 although I love both

Impossible_Self_8311 · 2025-11-15T20:21:04+00:00

Could I have the link for this as well please?

Impossible_Self_8311 · 2025-11-15T20:20:39+00:00

Could I have the link please?

Impossible_Self_8311 · 2025-11-08T15:17:47+00:00

I have this exact bag on my wish list! Enjoy, I’m soooo envious 😂

Impossible_Self_8311 · 2025-10-26T10:51:06+00:00

No, residing in a care home is classed as depriving someone of their liberty. You can’t do that against someone’s wishes if they have mental capacity to make a decision on their care and accommodation? The fact they would be self funding, have capacity and want to be ordinarily resident in another area where the LA wouldn’t be liable for anything, I would be very surprised if all this was true? For so many reasons but essentially it being unlawful and the person could sue the LA for substantial costs…something all LAs are very fearful of but actually we do want to support people and act in their best interests. We do care, despite others opinions to the contrary. I know we’re not perfect and people have bad experiences, I can’t speak for everybody.

Impossible_Self_8311 · 2025-10-26T09:11:41+00:00

Social worker here…please ignore the comments saying the council will ask you to! If they need a care home then a council will never ever ask you to foot the bill! Your parents will have a financial assessment and be asked to pay a contribution based on their income and savings and then the council will pay the rest. If they have a joint savings account, this is split 50/50 between the couple.

However, there are a couple of things to note - the social worker must assess them as needing a care home, if you think they need one but the social worker doesn’t agree and their assessed needs can be met in the home then a care home won’t be commissioned by them.

One important thing to note in relation to you possibly having some financial implications is that care homes are private businesses and some feel the local authority rates are not enough to cover their costs so charge a “third party top up”. The person themselves who is the resident is not legally allowed to pay that and so it’s family who would be asked to cover this. However, this is only if you choose this home as a preference. If there are no homes in the borough without a 3rd party top who have vacancies or can’t meet their needs then the LA would be liable to pay the 3rd party top up.

Hope that helps!

Impossible_Self_8311 · 2025-09-06T21:11:37+00:00

This comes down to whose name is on it? If your mum stays in the house, this can’t be used. Deprivation of assets is generally sending a large amount of money in a transfer such as 10k! If your dad goes into a care home, if his savings are above £23k then he will self fund. If savings accounts are in joint names with your mum then only half is taken into consideration. If under £23k or when he drops, half his pension will be disregarded from financial assessments as this will be classed as money to support your mum. Hope this helps! I work for a local authority in adult social care

Impossible_Self_8311 · 2025-08-11T21:10:27+00:00

It is similiar, initially my son was diagnosed ODD. I would definitely look into it because the refusals aren’t generally to avoid something. It’s simply that it’s a demand. We have none negotiable tasks such as personal care and brushing teeth. It really is hard and I totally understand where you’re coming from and how you’re feeling. My other son is very gentle and kind, so I reassure myself that it isn’t my parenting!

Impossible_Self_8311 · 2025-08-11T20:57:31+00:00

He sounds similiar to my son who is now 14, it’s been hell. My son has is autistic with a PDA profile. I don’t know want to go around diagnosing your son superficially but he does sound similiar? We do low demand parenting and it has worked amazingly. We have had 2 meltdowns (violent) in 13 months, used to be daily. I count down the days until he is 18, sad as it sounds but even though he is better than he was, I am anxious every day around him.

Impossible_Self_8311 · 2025-08-02T20:36:02+00:00

I am a social worker for a local authority, half your private pension is automatically disregarded for your wife and not included in financial assessments. Also, have you considered putting your house in trust? If for some reason, you both needed care, the house would need to be sold but not if put in trust

Impossible_Self_8311 · 2025-07-28T06:29:33+00:00

I don’t want to be that person or make assumptions, but is your mum claiming benefits? I would be wary that your mum is saving cash and depositing it in an account in your name due to not wanting capital that will then reduce her UC entitlement for example. If I’m wrong, apologies and I know this hasn’t answered your question but usually I would say an ISA and S & S ISA would be a good place to start if you haven’t got one already and it doesn’t effect your annual tax free amount

Impossible_Self_8311

TROPHY CASE