My husband who’s 43 now needs carers 4 times a day (with me doing the work in between). He can only be moved by hoist. The financial assessment by the council has come out that we need to pay the first £175 per week of that care!!!
The main problem seems to be his PHI payments - which the council class as earnings. This is the same PHI payment that prevents us from claiming any help with the mortgage, council tax, school expenses for 2 kids etc.
We simply cannot afford to pay this - although he claims DLA (hugher rate), ESA, carer’s for me, tax credits… we get absolutely no help or reductions with our bills in any way - so how are we supposed to find £750 per month to pay for the care he needs??
The council didn’t really have a clue as to how to treat his PHI payments - can anyone help with how theirs were treated? Or any way that we can appeal?