care-home-contract-decoder

• SKILL.mdcore · 7,971 bytes

# Care-Home Contract Decoder

The tour shows the garden; the contract holds the eviction clause. Care-home agreements are signed under time pressure — a hospital discharge deadline, a bed that will not be held — by families who have just made an emotional decision and are in no state to price an indexation formula. The costly clauses are always the same handful: fees that escalate on an uncapped formula, the *needs can no longer be met* trigger that functions as eviction-at-discretion, the guarantor signature that converts a child's helpfulness into personal liability, and the charges that continue after a death. This decodes the actual document, ranks what it finds by harm, and turns each finding into a written question — because the answers you get in writing before signing are the only ones that exist later.

## What This Skill Produces

- **A clause-by-clause decode** — each provision classified: fee mechanics, eviction/discharge, liability, or after-death, ranked by exposure
- **The fee-escalation maths** — the increase clause modelled forward three years at its own formula, so the year-three number is on the table now
- **The eviction map** — every route by which the resident can be made to leave, and what notice, process, and appeal each provides
- **The guarantor decode** — what the third-party signature actually undertakes, and the difference between paying-from-their-funds and personally-liable
- **Written questions before signing** — each finding converted into a question whose answer belongs in the contract or an email
- **The negotiate-or-verify list** — what homes routinely amend, and what must be checked against local regulation rather than accepted from the document

## Required Inputs