It’s completely normal to wonder whether you can afford the cost of care at home without compromising on quality. It can feel overwhelming trying to balance their needs with financial realities like budgets and insurance coverage.
But your loved one’s well-being should never be a trade-off. The goal is to make sure they receive the care and attention they deserve without creating financial stress. The good news is that it’s possible to build a home care plan that’s both affordable and personalised. Here are some practical tips to help you get started.
Assess your loved one’s care needs
Basic support (such as companionship or help with household tasks) is usually less expensive than specialised medical care. The frequency and duration of care also affects costs. Full-time, live-in assistance will naturally be more expensive than part-time or hourly visits. Understanding exactly what your loved one needs will help you determine and manage the cost of care at home.
Explore government support and insurance options
There are several funding options that can help reduce the cost of care at home in the UK:
· Attendance allowance is a tax-free benefit for those of State Pension age or older who need help with personal care due to a disability or health condition. This benefit is not means-tested.
· Carer’s allowance pays £83.30 a week if you spend at least 35 hours each week looking after someone who receives certain disability benefits. You don’t have to live with them or be related, but only one person can claim this allowance for caring for the same individual.
· Social services funding is a means-tested option for those with savings below £23,250. If eligible, request a Community Care Assessment through your local Adult Social Services department.
· Personal health budgets (NHS-funded) give you more control over your care decisions and help you achieve your well-being and health goals.
· NHS continuing care funding is available for individuals with complex medical needs that require nursing care. This can cover various needs from healthcare and personal care to accommodation and support for carers when care is provided at home.
Seek professional advice
If you’re unsure about home care costs and what options are available, you can always speak to an experienced home care provider.
Our team at Right at Home Central London can guide you through the choices and tailor services to meet your loved one’s needs. Visit our website to request a cost of care at home estimate or call 020-3084-7333 to speak directly with our Care Coordinator.
