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Case Study: Letter Saves Family £70,000 in Care Home Fees


How our client recovered £70,000 in care home fees that his mother should not have paid and secured ongoing funded care for his mother, thanks to expert advice from Martin Searle Solicitors and just one letter.

The situation

After a lengthy stay in a psychiatric hospital against her will, the medical team decided that Ivy, 66, had to move to an elderly mentally infirm (EMI) care home. Ivy had tried to escape from the hospital ward on several occasions. She wanted to go back to her own home but her psychiatrist said she would not be safe at home, even with carers.

The medical team said Ivy’s behavior and particularly her inability to understand that she was unwell meant she was a risk to herself and to other people. Ivy was very angry about the decision and refused to co-operate with the move.

Ivy’s son, Chris, had an Enduring Power of Attorney to act for his mother. He was told his mother had no choice about her care and that decisions were being made in her best interests. Chris sold Ivy’s house after Ivy’s social worker told him to do so because Ivy had too much capital for Social Services to help pay her care home fees. The fees were £35,000 a year.

Cash shortfall

After two years, Chris became very worried because the money from the sale of his mother’s house was running out. The social worker had told him that when Ivy’s savings dropped to £23,250, she would get some help from the Local Authority to pay her fees, but that she would have to move to a less expensive care home.

She told Chris that if he did not want his mother moved, he would need to pay a top-up fee to the care home to make up the shortfall between the weekly cost and the maximum local authority weekly payment. The social worker said Chris would need to find about £85 a week to keep Ivy at the care home and he would need to sign a legal agreement to promise to pay this figure every week.

Chris was determined his mother should not move – she had become settled at the care home after three years and while she still had a lot of challenging behaviour and was not easy to look after, he knew moving her after so long would be psychologically damaging.

The problem was Chris did not earn enough to pay £85 a week from his own money after paying his mortgage and the living expenses for his own young family.

Chris did not know what to do. He saw a programme about paying for care and wondered if Ivy should get NHS continuing healthcare funding. He searched online and although he and his mother lived in Devon, he found Brighton based Martin Searle Solicitors and phoned for advice.

What Martin Searle Solicitors did

Care funding solicitor Cate Searle told Chris she could look at his mother’s eligibility for NHS continuing healthcare funding. However, after just a short initial telephone conversation, Cate believed the solution was much simpler. Cate said that she believed Health and Social Services had made mistakes about their legal responsibility for funding Ivy’s care when Ivy was discharged from hospital.

Cate explained it was very likely that when Ivy was in the psychiatric hospital against her wishes, she had been detained under Section 3 of the Mental Health Act 1983. This meant Ivy was entitled to after care services free of charge under Section 117 of the Mental Health Act until such time as a relevant medical officer made a decision that she no longer required such services.

Cate advised Chris to find out if his mother had been held under Section 3 when she was in the hospital. This was confirmed relatively quickly.

Cate then wrote to Health and Social Services setting out her arguments about what they had got wrong and reminding them of their legal responsibilities to Ivy to pay for her care – without charging her – under Section 117 of the Mental Health Act 1983.

The result

  • Health and social services acknowledged they should never have charged Ivy for her care home fees
  • They agreed that they had to fully fund Ivy’s care without any charge to her or any contribution at all due to Section 117 of the Mental Health Act
  • Chris has recovered more than £70,000 in care home fees for Ivy
  • Ivy’s care home fees are still being paid by health and social services on an ongoing basis because no decision has been made that she does not require after care services under the Mental Health Act 1983
  • Ivy does not have to move to a cheaper care home and Chris does not have to find the money to pay a top-up fee. Chris now knows the care home will continue to meet Ivy’s complex care needs regardless of how her care is funded

A similar case

Cate has recently resolved a similar case for another client. Mr W asked Cate to help with a retrospective claim for NHS Continuing Healthcare in respect of his late mother. Cate established that before Mrs W went into residential care her husband had died and she had been detained under section 3 of the Mental Health Act. As a result, all of her care should have been provided free of charge. The local council has now paid £135,000 to her estate, refunding her care home fees in full and also paying interest.

To find out how our Community Care lawyers can help you, contact us on 01273 609911, or email

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T: 01273 609 991

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