My mother in law has advanced Alzheimers and is in care under the fair deal scheme. My father in law, is trying to fund the care costs and is trying to access or cash an Irish life "lifesaver" fund. ( I have little documenation on what type of fund this is by the way). He has paid into this but is in his wifes name. Irish Life say they cannot cash it without the consent of his wife (not possible) and the solicitor says that only a high court action could get a result. The fund is only worth €8k so this isn't an option. Has anyone had any experience with this type of bind? We've a similar problem with an Ulster bank account and here the solicitor suggests getting power of attorney but again at a professional cost we're finding difficult to budget for.