The Cost Of Live-In Care
How Much Does Live-in Care Cost?
As a quick Live-in Care Cost Guide, our costs start from:
£705 per week for Companionship
£815 per week for Basic Personal Care (Help to get up, wash & dress, home-cooked meals)
£895 per week for Moderate Care (the above including e.g. continence management)
£970 per week Advanced Care (Hoisting, Stoma Care etc)
There are two elements to paying for Live-in Care arranged through Access Care. A payment to the Carer and a payment for our service.
Paying your Live-in Carer
Most Carers will ask for payment either weekly or fortnightly in arrears by direct transfer into their bank account. Before we introduce your chosen Carer, we will ensure you are both happy with the payment terms and of course agree on the pay.
Paying Access Care Live-in Care Agency
We charge for our recruitment services and our on-going support and the ‘live-in care agency fee’ enables us to operate and exist. There are a couple of ways we can do this for you. Either you can pay a one-off fee once we find your Carer for you or you can pay us a ‘retaining fee’. The notable difference is that the one-off fee is a bigger lump sum, and the retainer broken down into a daily fee. Our agency fee is also staggered dependent on the calibre of Carer/Companion you require and the level of service you wish to engage from us.
We do not profess to be financial experts but can suggest several specialists who will offer impartial advice so you can weigh up all the options presented to you. There are financial advisors that specialise in helping people with care planning.
It is always worth exploring if there is funding available from the social services department of your local council. In order from them to assess eligibility they would firstly perform a Care Needs Assessment. Your social service is under obligation to perform this assessment for you regardless of income or savings. Should you care needs be eligible the next step would be a means-tested Financial Assessment to see if you qualify for any state funding. NB If you’re arranging care in your own home, the value of your home isn’t included in the financial assessment.
Immediate Care Plans – ICP
Upon the purchase a ‘plan’ with a lump sum (the cost of which is calculated individually based on health and age), the ‘plan’ then pays an agreed amount at regular intervals to the care provider as long as necessary.
A way for people over 55 years old to unlock the value of their property that turn it into a lump sum that can then be used to fund the necessary care.
For people over the state pension age who need help with the cost of having someone to look after them and have a physical or mental disability. it is not means-tested and tax free.
The Personal Independent Payment - PIP
For people aged over 16 and under the state pension age. The level of financial support depends on how the condition effects everyday living, not on the condition itself. It is not means-tested and tax free.
For people that are diagnosed with a ‘severe mental impairment’ (SMI), which those living with dementia (including) Alzheimer’s may well be, there will be a reduction or exemption from paying council tax. If you live alone and have a SMI you could be completely exempt.
NHS Continuing Healthcare (CHC)
For people who are assessed as having a primary health need from a long-term complex health need, are over 18 and need care to meet needs that have arisen as a result of an accident, disability or illness. It is arranged and funded solely by the NHS.
How does the cost of Live-in Care compare with the cost of a Residential Care Home?
The biggest advantages of live-in care are that you are able to remain in your own home and secondly you receive one-to-one care from a Carer who is familiar and with you for extended periods of time.
In 2018 the average cost of private residential care exceeded £1,000 per week – often far more if nursing is required. This is dependant of location too but with Live-in care costs starting from £705 per week and around £815-£970 per week with care this is certainly something to consider.
Call us to find out more about the differences between a care home and care at home. We will happily talk honesty and openly to help you decide what is the best option for you or your loved one.
The Cost of Live-in Care For Couples:
Far more cost effective than a care home
In a care home you’re paying for two beds, often two rooms. With live-in care the cost is just for one live-in carer who can often care for both parents. For a couple then, residential care home prices can be around £2,000 per week (based on the average cost in 2018 per person). For a live-in carer for a couple our prices start from just £1,040 per week.
We provide live-in Carers across the country to couples and especially for people's parents who want to live together, in their own home, retaining their independence but just in need of a little extra help to do so.
The cost of live-in care is really very comparable to residential care home sand represents excellent value for money - give us a call or contact us now to find out more.