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Guidance and support in care funding

Should you be paying care fees for a spouse?

Please note: This article was published prior to January 2024, and some information may be outdated.

Elderly couple - Should you pay for your partner's care?Are you paying care fees for a spouse or for your partner?

No. 5 in our series of 27 quick tips on NHS Continuing Healthcare…

We recently watched a news report about a husband and wife, where the husband needed care. The wife assumed that paying care fees for a spouse was normal – because the is what she’d been asked to do, and no one had informed her otherwise.

She was not only distressed at her husband’s failing health and increasing care needs, but she was also very worried about how she would afford the ongoing care fees.

Nobody should be asked to pay for someone else’s care – and this also applies to paying care fees for a spouse.

If the person needing care does genuinely have to pay for their own care, then it is that person’s money and assets ONLY that should be taken into account – not their spouse’s or their partner’s money, or indeed any other family member’s money.

Read more here about paying for care when you have a partner.

It’s also vital to keep in mind that a person should only ever be means tested if they are genuinely not entitled to NHS Continuing Healthcare funding.

Read more here about NHS Continuing Healthcare.

Tip no. 4: When is the Continuing Healthcare Decision Support Tool completed?

Tip no. 6: 3 ways to reduce and challenge care fees

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11 Comments

11 responses to “Should you be paying care fees for a spouse?”

  1. What happens if my wife goes in to care full time will I be forced to sell my house as she owns half

    • Hi Peter – no you won’t. As long as you are living there they cannot touch the house. Kind regards

  2. I am worried my husband has MSA a rare condition under the Parkinson’s disease. I work and know I will need to keep working to afford to pay bills etc. When the time comes and he needs professional 24/7 care what will happen.?I am worried that I won’t be able to afford care home fees.

  3. My husband and I have lived separately for over 11 years. I am now worried now as my estranged husband may need care home nursing. I own my own house and everything is solely in my name as I owned this before I married. My estranged husband has never clothed me, fed me nor put a roof over my head. Will I be liable for paying any of his fees?

    • no plain and simple what is urs is urs
      he will have money of his own to pay for care

  4. Hi my mum and step dad separated 2 years ago because he was abusive to her and an alcoholic.
    I have no idea what kind of care he had because we had nothing to do with him anymore. He made himself very ill drinking and ended up in a care home.
    He eventually got better and moved into an apartment but over the last year he deteriorated and died of pneumonia.
    We only know this because his relatives turned up saying that because my mum was still married to him that she was responsible for everything.
    My mum is not in a good way, her health went downhill over the years the stress had really fast tracked her aging to be honest. She has had heart problems and strokes, she cant walk and is very weak. I was glad that she could now live in peace after breaking up with her husband.
    But now these women, his relatives turned up I am worried that she will land with a huge bill from the care home.
    They have been really friendly and nice, they said everything he owns now belongs to my mum and most of the bills are payed for by his estate except the care home bill.
    My mum says she wants nothing for his family to have it all.
    Is this true that my mum is responsible for this final care home bill??
    I am told he only has £5000 in his bank account and a few valuable items but would have thought the bill could be payed with this like the other bills.
    What I really want to know is is my mum really responsible for all of this stuff?
    Bill paying, funeral arranging etc?
    She didn’t even get notice that he had died, and no formal letters from anyone. Just this relatives say so.

  5. My husband is in nursing home longterm and he get more money that i do i went to the bank to draw the money out for bills and rent he talked to th bank manger he wanted draw out his money because i didn’t let him come home so can’t pay my and he gets medicade so his nursing home stay by medicade i thought i was to get some of his check to payour bills

  6. My husband is in hospital and they want to put him in care do I have to sell my house to cover the cost

    • Hi Irene – no you do not as long as you are living in the house it is protected. Kind regards

  7. If my husband had to go into care due to his dementia, would I his wife with my own savings be eligible to pay for his care. We have a joint account but I also have other savings just in my name only. Savings for my pension when it’s time.

    • Hi Sue – many thanks for your post. No – you do not have to contribute from your own savings but 50% of whatever is in joint names will be taken into account. Kind regards

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