Eglantine you completely misread it. The rules on beneficial interest do not apply if the husband/wife goes into care and the partner stays living in the home. Then the value of the property is completely disregarded. I only post with advice like this when I know I am right. Here’s the relevant bit from the Age UK fact sheet.
If you enter a care home permanently, your interest in your existing ‘main or only’ home is usually taken into account as capital. However, the value should be disregarded from the financial assessment if you no longer occupy the home but it is still occupied, in part or whole, as their main or only home by:
your spouse, partner, former partner or civil partner, except where you are estranged
a lone parent who is your estranged or divorced partner
a relative of yours, or member of your family, who is:
aged 60 or over, or
a child of yours aged under 18, or ‘incapacitated’.
They must have been occupying the property before you went into the care home. The disregard lasts until this changes, at which time it may be included in the financial assessmen