At Oxford Aunts, we know through our experience of helping thousands of families to plan care at home for over 50 years that the cost of live-in care is a major consideration. Once you have decided that live-in care is the best long-term care option, we can help you to better understand everything you need to think about when considering the cost of live-in care.
Below is a useful guide you can use when considering live-in care costs to help you make an informed decision.
WHAT IS THE COST OF LIVE-IN CARE?
The weekly cost of live-in care can vary significantly depending on many factors including the type of live-in care provider you choose, the needs of the person receiving care, and whether the person has any complex conditions that require specialist care.
At Oxford Aunts our expert Care Assessor will determine the weekly cost of care by conducting a thorough assessment of your needs. Our approach is holistic and considers not just your health needs, but how you wish to live your life. Following the assessment, we will confirm the weekly fee for the most suitable live-in care package. It is an inclusive price for the care we provide, with no hidden extras meaning you can understand the total cost of care over a longer period, enabling you to plan financially.
When comparing the costs of care, it is worth noting that the cost of live-in care is comparable to the cost of a good quality care home. Many care homes, particularly in the South East are more expensive. For those that need nursing care or care of complex conditions, like dementiaor Parkinson’s or for those who need specialist care following a stroke or to live with cancer, the cost can be higher. There are many extras that care homes will charge on top of the weekly care fee, including trips and hairdressing, which can make it difficult to plan the annual cost of care. With live-in care the total weekly fee is for the care you receive, whereas in a care home part of the weekly fee will be for the accommodation.
For couples, live-in care is particularly attractive. In a care home you will need to pay for two packages of care, whereas with live-in care you only pay one weekly for the carer who can meet both your needs, with a nominal fee to provide care to a couple.
There are many benefits of live-in care, not least that you can continue to live in your beloved home without having to sell it to fund care home fees.
Choosing a live-in care provider
When you consider live-in care costs it is prudent to consider the type of provider that would best meet both your care and financial needs. The choices are to either use an introduction agency who will simply introduce you to a carer for a one-off fee or a fully manged service provider, like Oxford Aunts.
With an introduction agency, you or your family will be responsible for managing the carer and the care arrangement – this includes managing holiday, organising for them to be paid, scheduling holiday cover and providing supervision. This can be very time consuming for families and for many can be a real burden.
As a fully managed service, Oxford Aunts directly employs its dedicated carers whilst they care for you. All our experienced carers go through a comprehensive recruitment process before we consider them to start on our market leading training programme. We use a Situational Judgement Test (SJT) during the recruitment process so we can be sure every carer can deliver high-quality live-in care. Once we are sure they meet our stringent recruitment criteria they complete our induction training, which goes beyond mandatory requirements before they are placed with a client.
Once a carer comes to live with you to provide care and support, we ensure you and our carer have all the support you need. Our expert care team, including a Care Assessor local to you and a Care Manager provide unrivalled levels of support and only manage a small number of clients so they are on hand as and when you need them.
Oxford Aunts is a regulated service, which means the quality of its care is inspected by The Care Quality Commission (CQC). Many families are not aware that introduction agencies are not regulated. This means as a family you cannot be confident of the quality of care provided by the carer. With a regulated service, like ours we are accountable for the care we provide you which we know gives families much-needed reassurance. We are proud to be rated ‘Good’ in all five measures in our last inspection. Read our CQC report here.
Live-in care for couples
For many couples, the thought of being split up so you get the care you each need is heart-wrenching. There are not many care homes across the country that have double bedrooms for couples to remain together. You may even find that you are living in two different areas of the care home, depending on your care needs. With two rooms and packages of care, the cost of care is typically double when compared with live-in care. Live-in care means you can stay together as a loving couple with one inclusive weekly fee covering the cost of live-in care.
Respite live-in care costs
If you need a respite service, the cost of live-in care will depend on a through assessment of your needs. Discounts are offered for a series of respite services and for repeat bookings. Whilst live-in respite care is in line with that offered in a good care home, with live-in care you have all the countless benefits of staying in your beloved home – just as you always have.
SELF-FUNDING LIVE-IN CARE COSTS
For many who are not eligible for healthcare funding or social care funding, they are faced with having to finance the care they need themselves. This is called self-funding care. However, there are financing options available that can help you fund care, including equity release schemes or care fees insurance policies, called care fees annuities.
TALK TO US ABOUT YOUR LIVE-IN CARE NEEDS
Call our friendly and approachable team today to arrange an assessment of your care needs. This will give you a better understanding of the cost of live-in care.