Assuming your mother took out a nursing home loan to cover any contribution to her care from the value of her home, the Revenue will be in touch to say what is owed. They act for the HSE on this and the person they contact will be what is called the “relevant accountable person”. This will be the person whose name was put down as being responsible for the repayment of the loan when the Fair Deal application was originally made. It could very likely be you but it could be someone else.
You have a year from the time your mother died to pay the loan. If it is not paid by then, interest will start to accrue on the outstanding amount and that interest – currently charged at a rate of 0.0219 per cent per day – will be backdated to the date of your mother’s death. In relation to family, other that spouses or partners of course, those able to apply include children of the dead person who are under 21 or who have assets to their name of less than €36,000. It also includes any relative in receipt of a disability allowance or similar, a blind person’s pension or the non-contributory State pension.
Any application will need to be made to your local nursing home loan support office. You can find details of offices around the State. Assuming a deferral is granted, bear in mind that the sum owing will be adjusted for inflation along the way until it is eventually paid.
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