"'Is it possible to have the family home taken into account under the Fair Deal scheme so it contributes toward nursing home costs?' Query: Dear Mary Frances, I'm writing to you because I'm really struggling with a family situation and don't know where to turn. My parents are getting older, and it looks like one of them may soon need to move into a nursing home."
"Our family farm was sold off years ago, and those of us who wanted a site received one to build our own home. The family home was kept by Mum and Dad, and they signed it over to one sibling who didn't take a site. This happened less than five years ago."
Fair Deal assesses an applicant's means and can scrutinise property transfers under deprivation rules that treat recent transfers as still part of the applicant's assets for the financial assessment. A family home signed over to a sibling within a recent period is likely to be examined and could increase the assessed contribution toward nursing home costs or affect eligibility. Gather deeds and transfer documentation, contact the HSE Financial Assessment Office for clarification, and seek independent legal and financial advice. Consider discussing arrangements with family, exploring possible exemptions, or arranging a formal charge if appropriate.
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