Darren
I don’t think I have anything to add to what has already been said about the present situation regarding care other than do get the needs assessments done for you all.
My understanding is that you can only get carers allowance if your parent(s) get attendance allowance and it is tax deductible and you are only allowed to earn £x in wages to receive it.
You stated your father is good at the finances and paperwork.
If he is approachable for discussions about future proofing and you can have the conversations with him, it is important to talk about POA - Power of Attorney, especially for your mother.
I am concerned about your mother being difficult and not caring about her personal care, it might be just her nature but if it is signs of the onset of dementia, you need to have a serious talk with your father about POA and future proofing.
POA is in two formats per person and future proof the handling of their affairs if they lose their faculties and ability to make their own decisions. If they lose the capacity to act for themselves it is too lat and the authorities act for them, regardless of kin status eg husband, wife, son, the authorities take over and you have no say.
POA - finance -
can act on their behalf if unable to get to the bank etc or deal with utility companies on the phone.
Act in their best interests if they lose capacity to act for themselves.
POA - health and welfare-
Act in their best interests if they lose capacity to act for themselves.
It can be done direct on the Gov.uk website
There is a box to inform anyone of this happening, tick no because it isn’t necessary and makes it take longer.
Where it asks if acting jointly or separately, tick separately eg if it is you and your dad for your mum, if your dad dies then you will need to get a new one for finance because that one will be void.
there is a sliding scale for costs depending in income and the charge is per POA appointed so your parents could save costs having just you as POA and not you and dad for mum and you and mum for dad.
It might seem like an expense but if you have the finances to do it, it is a big peace of mind and saves a lot of distress and palava in the future. Pay for a copy of each one too.
Remember to get them registered when they come through.
It can take 4-6 months for them, post covid it might take longer.
I have future proofed with my mother and we both have peace of mind that all is sorted.
a letter to the GP giving me permission to discuss her health with them and act on her behalf.
POA forms
Prepaid funeral plan/service
Revised will
DNAR
Advance care plan (end of life) not needed yet but it’s done.
All done before they need to be done/too emotional or it is too late.