HI i have a lady who is part of a couple and is going into care home. She has a state pension and a works pension in her name. Her husband holds all the capital in his name. They are not getting any benefits i guess there saving is quite high. However as she is going into care permenently she must be assesed as a single person, therefore the savings won't come into play as they are not held in a joint account. IS that correct?

That is indeed the case.....it might be a good idea though to have the bank account into which her state and private pensions are paid made into a joint account, if this is not already the case. This is to ensure that her husband can access it, should she not be able to at some point in the future....

A word of warning. The issue is 'does she have joint beneficial ownership of the capital'? If she does then the capital will be split 50/50. If she doesn't and some of the capital is clearly hers, then the issue of potential deprivation might arise. As is often the case, the answer will depend on the exact circumstances.