Decode a care-home contract before a parent moves in — the fee-escalation clause with no cap, the needs-can-no-longer-be-met eviction trigger, the guarantor line that quietly makes you personally liable, and the after-death charges nobody mentions on the tour. Use when asked to review a care-home or nursing-home contract, what does this admission agreement mean, can they raise the fees, or can they make my parent leave. Produces a clause-by-clause decode ranked by financial and eviction risk, the questions to put in writing before signing, and the negotiate-or-verify list. Pairs with long-term-care-options for choosing the home; this is for the contract. Not legal advice.
▸The contract — pasted in full or in its fee, termination, and liability sections; a home that will not provide it before move-in day is itself a finding
▸The funding position — self-funded, state/insurance-supported, or mixed; and whether funds will deplete to a threshold during the stay, since that boundary is where several traps live
▸The resident's situation — care needs now and their likely direction, which is exactly what the needs-clause will be tested against
▸Who is signing what — the resident, an attorney/deputy, or a family member, and in which capacity
▸The country — care-home regulation, fee rules, and eviction protections vary sharply; the decode flags every point that needs local verification
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓The escalation formula is computed forward, not paraphrased
✓Every route to eviction/discharge appears in one map with notice and appeal noted
✓The guarantor analysis distinguishes administering funds from personal liability
✓The funding-cliff clause is found, or its absence is flagged as a question
✓After-death charges are surfaced explicitly
✓Every finding converts into a written question, and the local-verification flags are present
⚠️ What it refuses to do
**Reviewing the rate card and calling it the contract.** The rate is the one number they show you; the formula is the one that matters.
**Letting a family member sign as guarantor unexamined** — helpfulness converted into liability by a signature block.
**Reading the needs clause as clinical language** rather than as the exit clause it operationally is.
**Accepting verbal reassurances** — "we'd never do that" belongs in writing or belongs nowhere.
**Decoding with hostility.** Most homes are decent; the contract still deserves adult scrutiny, and good homes answer these questions readily.
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp