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I have been the sole carer of my Mum for many years. She had a terminal condition and once COVID came I shielded with her from the first week of March 2020 till her death this April. During a lot / all of that time I footed all the bills for things for her particular care as well as food. We do/did have a family but didn't get any help from them. Anything I thought would help - I got it. I didn't bother with her savings at all...I just did as much as I could by myself for her. If I had the money for whatever she needed - that's all that mattered to me.
But now the dust is settling she has quite the savings - only there because I've been paying for everything from my savings. And there is the problem! She doesn't have enough to go through Probate (so I'm told by her next of kin) but for me on Benefits it will far exceed the £6,000 I'm allowed before 'whatever happens when that happens happens' (my brain does not deal well with figures so that's why I am vague on that score and I may as well say now it is a part of a clinical mental diagnosis). So I'm thinking if the money that is 'morally' due to me, comes to me, I'll end up living off it till my savings come back down below £6,000 - aka "back to square one" as I am now? In other words it will go to the Government and I'll have to explain any expenditures the Govt think are excessive?
Is there a way of me getting that money somehow without of breaking the law and having it go to the Govt? I could get an electric bike (I'm old in my 50s now) and could get wonderful things for my hobby which is an expensive one? Honestly the whole thing has taken it's toll on my body, my mind, and well...it looks like my finances too. Doesn't seem fair my willingness to care for Mum has maybe backfired on me.
Any light at the end of this tunnel for me?
But now the dust is settling she has quite the savings - only there because I've been paying for everything from my savings. And there is the problem! She doesn't have enough to go through Probate (so I'm told by her next of kin) but for me on Benefits it will far exceed the £6,000 I'm allowed before 'whatever happens when that happens happens' (my brain does not deal well with figures so that's why I am vague on that score and I may as well say now it is a part of a clinical mental diagnosis). So I'm thinking if the money that is 'morally' due to me, comes to me, I'll end up living off it till my savings come back down below £6,000 - aka "back to square one" as I am now? In other words it will go to the Government and I'll have to explain any expenditures the Govt think are excessive?
Is there a way of me getting that money somehow without of breaking the law and having it go to the Govt? I could get an electric bike (I'm old in my 50s now) and could get wonderful things for my hobby which is an expensive one? Honestly the whole thing has taken it's toll on my body, my mind, and well...it looks like my finances too. Doesn't seem fair my willingness to care for Mum has maybe backfired on me.
Any light at the end of this tunnel for me?
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