It can be a very upsetting time when you reach the stage where a loved one needs more care than you can give them. For many families, the first thought that comes to mind is a care home. However, this doesn’t have to be the only option. Live in care is a great alternative to a care home, as is respite care.
The Alternatives
Care at home allows someone who needs care to receive this in their own home from a qualified carer who visits every day.
Live-in care is the gold standard for those who wish to remain in their home but need round the clock care from a qualified carer who lives with them full time.
Sheltered housing or respite care are options for those who wish to live independently but still require occasional support.
What’s the Difference Between a Care Home and Extra Care?
With a care home, a person needing care is usually a full-time resident of the home. Extra care is broadly defined as living independently out in the community – often in sheltered or supported housing – but with the support of a care facility. They will have 24/7 access to a dedicated team of carers who provide care visits plus emergency cover.
How Much Does Live-in Care Cost in the UK?
You may find it daunting to think about how much you will have to pay for your care should you opt for live-in care at home. You may be pleasantly surprised by the figures if you compare them to care home costs. Live-in care can cost less than a care home, depending on the type of care needed.
One big difference to consider is that you may have to sell your home to fund a care home place. You won’t have to sell to fund care in your own home.
Live-in care costs can vary but very much depends on how much care you need. There are several ways to fund the cost of live-in care. State funding, such as social care funding and/or state benefits can be accessed. Or, you could privately fund your care through savings and investments, from equity release – usually in the form of a lifetime mortgage secured against the value of your home through your lifetime – or from an annuity or insurance policy.
The Cost of Care in the UK
It is a worry on many people’s minds – how to avoid spending every penny you have or selling the family home to pay for care home fees.
If you need nursing care you could apply for NHS funding. This is done through your local Primary Care Trust via an assessment.
What if You Can’t Pay For Care?
Your local authority has a duty of care to those who have eligible care needs. If you worry that funding is going to fall short, arrange for a local authority care needs assessment as soon as possible.
