Firstly you need to be clear that CHC funding is not based on income or assets - it is purely based on your OH's health conditions and no assessment of assets is made, nor any financial contribution required from him. If his has stopped it will be because they consider his health has improved. Please go to beaconchc.co.uk for advice on this. I used them and successfully appealed 2 refusals of CHC funding for my late OH and received backdated payments for all his care costs.
If CHC withdraw and you lose an appeal then the funding of his care moves over to the local authority and they will assess what money he has as they will need him to make a contribution to the costs.
Things that are ignored for the assessment: the full value of your property (because you are living in it - I presume you are over 60); any savings that are in your name; half of any savings that are in joint names.
It is not a question of them "taking" the money in any particular order. They make the assessment, decide what he should contribute and this is what he will have to pay from then on - it might get a bit less as time goes by because his savings will be getting less as he spends them on his care.
So - there are 2 systems:
- CHC funding which comes from health and does not involve and financial assessment
- Local Authority, which does.
Your first step should be to appeal the CHC withdrawal of funds, using the excellent free advice from Beacon as above.
I hope you manage to get all this sorted - it is I know a big stress on top of having a sick husband. Sending good wishes.
