Live-in care – everything you need to know
Live-in care means having a full-time carer move in with you at home to help with everyday tasks. In this guide, we run through how it works day-to-day, the benefits, and how to put it in place.
What is live-in care?
Live-in care is a type of domiciliary care. It involves a dedicated carer moving into the home to provide care and help with domestic tasks and daily routines.
A live-in carer can provide a wide range of services, from personal care such as getting to the toilet and bathing, to housekeeping and companionship.
Live-in care is often an attractive care option because you’ll have the undivided attention of a single carer, in the comfort of your own home. There’s no need to uproot your life by moving into a care home, and one-on-one care allows you to really get to know and feel comfortable with your carer.
Want to know more about how live-in care works day-to-day? Take a look at our in-depth guide here.
98% of people receiving live in care say it helps them have a better quality of life, according to the Live In Care Hub
What can a live-in carer do?
A professional live-in carer’s role is to make daily life easier. This means they’re often a carer, friend and housekeeper all in one.
Light housekeeping – From vacuuming and sanitising surfaces, to laundry and staying on top of clutter, carers can help keep the house clean and tidy to ensure it’s safe, comfortable and relaxing.
Mobility assistance – Carers can help keep older people moving and encourage gentle exercise. They can also ensure any activity advised by a medical professional is followed.
Personal care – Carers will provide discreet and sensitive support with personal hygiene such as washing and toileting. Find out more about personal care here.
Meal preparation – They’ll provide healthy meals to suit individual tastes and dietary requirements, and ensuring hydration is prioritised.
Emergency response – Being there 24/7 means carers will raise the alarm and get the right medical support at the first sign that something’s not right.
Getting dressed and ready – They’ll offer a delicate, reassuring hand to get into clothes and help a person look their best.
Medication prompting – Carers help ensure any medication is taken at the right time, at the right dose (as per the prescription instructions)
Running errands – From picking up a prescription in the chemist, to doing the weekly food shop, carers can help with a wide range of everyday errands.
Companionship – Carers will be there to listen and chat to, encourage hobbies, and help an older person to maintain an active and fulfilling social life. Company from carers can help reduce later life loneliness, which currently affects 1.4 million people in the UK. learn more about the signs of loneliness here.
Pet care – For pet owners, a carer can help feed, exercise, and clean up after household pets. Find out more here.
When is live-in care suitable?
When visiting care is no longer enough
Care needs are likely to change with time, and people receiving care visits at home will often reach a point where they need more than a couple of hours support each day. People who are at risk of falls or injury, are likely to wander and get lost, or who are struggling to manage vital medication can rarely go for long periods home alone, and live-in care can keep them safe and provide peace of mind to their families.
When you're unable to settle in a care home
Some people will just naturally not be a good fit for a care home. Introverted people may find living with others overwhelming, while other may not see themselves as ‘old’ and find it difficult to bond with other residents. Adapting to the routine of the home – such as when to eat or wake up, or being unable to leave the grounds when they want can be really difficult too.
When couples with different needs want to stay together
It can be a huge, life-changing moment to have a partner of many years move into residential care. Live-in care is a good option for couples as they can both get the tailored support they need. If only one spouse needs care, a professional carer can help lighten the load for their partner, making it easier to run errands and keep on top of housekeeping.
When you're being discharged from hospital
If you or a loved one is in hospital, you may need to have care in place in order for the hospital to discharge you. Live-in care allows people to return home to finish their recovery in a familiar and comfortable space, away from the noise and bright lights of a hospital ward. It can help them get back to their routine and ease into daily tasks.
When you have a small or distant support network
A live-in carer can be a great source of companionship because they aren’t rushing from one client to the next, and have time to really get to know the person they’re caring for. If family and friends live far away a carer can provide peace of mind and keep the family updated of important moments and health changes too.
With Elder, our live-in care service are comparable in cost to 7 hours per day of care visits
It may be more suitable for those who need a higher level of care or consistent support. You can give our friendly team a call 365 days a year to find out more about the types of care available and which may be right for you.
Joanne, Patricia, and Rose's live-in care story
Joanne and her mum, Patricia, have been with Elder since 2017. Patricia has mild dementia, but that doesn’t stop her enjoying life. Joanne shared with us how Rose, their live-in carer has made a different to both their lives.
Rose knows how to get my mum up and out of the house. It can sometimes be tricky to get her out of bed but once she’s out, she always really enjoys it.
Rose has made a big effort to get to know Mum’s life and what makes her tick. It’s incredible how she’s really become part of the local community, just like Mum. She integrated really well and that comes down to the fact that whatever my mum does, Rose does too. They’re a bit of a dynamic duo together.
My mum is nicknamed the ‘Dancing Diva’ – as soon as she hears music, she dances! They go to a group called Everyone Can Sing and as soon as Mum hears the first notes playing, she’s up dancing. At first Rose was a bit shy, but now they dance together!
They also have concerts and sing together. This is great because it really brings people together – our whole family goes along to watch and Rose’s family do too. When we were looking for a carer, we were looking at the more professional things, you know, ‘is Mum going to be safe?’ and things like that.
We’ve been really pleasantly surprised how a real friendship has flourished. It means Mum has a real companion – someone who knows her really well. It’s lovely to see and makes her so happy.
The biggest thing for mum is her cat, Adele. We adopted her when she was a little cat with no fur, but we nursed her back to heath.
She now has a full, black coat. Adele is the focal point of mum’s life – she gives her order, and something to look after.
Emptying the litter tray might not be something everyone wants to do, but Rose has never complained once.
Mum has a free bus pass, which gives them both a bit of freedom to go on trips together. Rose sends me WhatsApp pictures of their days out – it’s lovely to see what they’re up to, you know, but also really reassuring to see Mum so happy.
Live-in care can also help people living with complex conditions to maintain their independence in their own home, for as long as possible.
The benefits of live-in care
Live-in care has many benefits for both you and your loved ones.
Family and lifestyle benefits
When you have a vulnerable loved one it can be difficult to strike the right balance between finding peace of mind knowing they’re safe, while also protecting their right to an independent life.
A live-in carer can provide the consistency of care that families need to feel confident their loved one is being properly cared for, while also delivering highly personalised care. In later life the small things such as how you like your tea made, or being able to go to the corner shop to get the daily paper can mean a lot to your self of purpose and identity. A live-in carer will adapt to and support a person’s normal routine to enable independence rather than limit it.
This can be especially important for those with dementia as it may help keep feelings of confusions and frustration at bay. Maintaining routine and doing things which are familiar can act as a form of reminiscence – an important part of dementia therapy.
Financial benefits
Often, live-in care is thought to be an expensive option. However depending on the live-in care provider you choose and how you arrange it, it doesn’t have to be.
In fact, live-in care can be more cost effective than a residential care home, as you get more one-to-one support for your money. Unlike in a care home, where staff members are looking after multiple residents at a time, you’ll get full-time, one-to-one care from a carer of your choice.
A significant proportion of care home fees go towards accommodation, housekeeping and catering, and may include services that aren’t relevant to your needs, such as hairdressing or group activities. This means less is dedicated to the care itself. This isn’t the case with live-in care.
Get better value with Elder
The average cost of live-in care arranged through Elder is 35% less than traditional care providers. Find out more about our services
You may be eligible for help with your live-in care costs from the local council. To get started, you need to speak directly to social services and complete a care needs assessment and financial assessment.
Once this is completed, you should be able to request to receive any funding you’re entitled to as a direct payment, or Self Directed Support if you’re in Scotland.
This puts you in control of how you spend it. The payments must be enough to provide quality care for the needs that your local authority has assessed you as having. However, if your preferred choice of care provider is more expensive than your Local Authority’s ‘recommendation’, then, it’ll be down to your family to cover the shortfall.
A big financial advantage of live-in care is that it gives people a better chance of keeping the family home, as the financial assessment must exclude your loved one’s property if they’re still living in it and want to receive care in it.
For example, imagine you have £25,000 in the bank, alongside a property worth £500,000 – with live-in care you would need to deplete the £25,000 down to £23,500 to start receiving state assistance from your local authority. However, if you were to opt for residential care, in a care home, you would need to deplete both the £25,000 savings and the £500,000 property price to a net value of £23,500 to receive assistance.
This is why it’s really important to voice your preference for live-in care as early as possible if you’re asking for support from the council.
Local authority funding isn’t the only source from which funding is available. It’s important to know and understand what you’re entitled to – particularly when it comes to claiming elderly benefits or disability benefits
Other options for funding are –
- Downsizing
- Lifetime mortgages
- Home reversion plans
- NHS Continuing Healthcare
To find out more about funding and start exploring your options, we’ve shared useful links and resources here.
Social benefits
Being cared for at home makes it a lot easier to keep up with hobbies and interests such as attending events or local clubs.
In addition, it allows people to arrange their social life on their own terms. You can also continue to see friends and family as you please and there’s no reason your social life should change dramatically just because you need care.
The Live In Care Hub found that just under a third of the residential care homes they surveyed said it was very unlikely that a resident could leave the grounds of the home unless a family member or visitor was available to take them. In contrast a live-in carer will work to the schedule of the person they’re caring for, which includes accompanying them on public transport, or driving them to clubs and day centres.
My mum has always been really independent, with an active social life and into sports – I wanted her to be able to keep as much of that as possible.
Jan, Elder customer
Health benefits
It’s estimated that half of over 80s fall at least once a year (NHS). Live-in care has been linked with a reduction in falls, with a report suggesting people who are cared for at home experience a third fewer falls than care home residents. in comparison to residential care. Research also indicates that someone is almost 3x more likely to experience a hip fracture if they are in a care home than if they receive live-in care in their own home.
In addition, live-in care is a beneficial option if you’d like to remain with the same GP, which not only provides comfort – but has also been linked to living longer.
Live in care is also enabling people to leave hospital sooner – which can be critically important. In the first half of 2024 just under one in seven hospital beds were occupied by people who were medically fit to leave, but were unable to because they didn’t have the right care in place back at home. Up to 50% of older people can become incontinent within 48 hours of being in hospital. Muscle strength can reduce by up to 10%, and being in hospital can have a big impact on dignity, independence and choice too.
Within weeks of his arrival Tabby was encouraging Dad to walk to the garden gate and back... since then Dad has grown in confidence and ability. Tabby has also introduced him to yoga – and he’s really enjoying it! It’s all down to how great a carer Tabby is, and the matching process from Elder.
Helen, Elder customer
Types of live-in care
24-hour live-in care
Companionship care
Convalescent care
Having the extra care and support needed after a surgery or hospital stay is important. Convalescent care is a short-term care solution, allowing people to receive the care they need, after illness or injury, in their own home.
Emergency care
If your primary carer become ill or need to take a break at short notice, emergency home care can get the right support in place as quickly as possible – often under 24 hours.
Respite care
Respite care is where a substitute carer steps in for a limited amount of time. It allows primary caregivers to take time for themselves and their wellbeing, while helping to ensure minimal disruption in routine.
Overnight care
Overnight care can help to ensure you or your loved one is safe, comfortable and secure overnight. A live-in carer can sleep at the property during the day, and be on hand to support with anything from incontinence to providing reassurance during the night.
Palliative care
For people facing life-limiting conditions, palliative care at home can help to ensure people living with these illnesses remain supported, comforted and cared for in their own home. It’s all about ensuring every single moment of someone’s life is maximised.
For those needing complex care, nursing care is likely to be recommended by health and social care professionals overlooking your or your loved one’s situation. In these instances it’s important to be clear on the limitations of what a live-in carer can do. Find out more here.
How to arrange live-in care
If you’ve decided that live-in care is the best option for you, there are three main routes you can go down when arranging it – arranging it privately (as in making an informal arrangement or hiring directly), arranging it through a fully-managed agency, or with an introductory agency (such as Elder). There are advantages and disadvantages to each, depending on the level of control or input you’d like.
While private live-in care may be the initial go-to for many people, as it allows families to choose a carer they know and trust – sometimes a family member or friend – it can have many unexpected legal obligations which can be stressful.
Private live-in care generally refers to the process of employing a carer yourself.
For many families, a private carer is a friend or family member. This usually means the person receiving care is already familiar and comfortable with them and doesn’t need too much time to adjust. However, when arranged informally it can pose some drawbacks too. For example you may need to manage their employment and holidays, or write up a contract, which can cause tension within existing relationships.
When going down the route of professional private care – hiring a carer directly that you don’t already know, you’ll likely be legally responsible for things such as sick pay, holiday entitlements and paying a living wage. It’s also important to do relevant background checks to ensure they’re the right person for the job.
Not only that but you also have the responsibility of providing employment contracts, taking out the right insurance, and sorting out respite care when your carer takes a break.
Arranging care with an agency can mean more peace of mind and less hassle in the long term.
Elder is defined by the CQC as an introductory agency, in line with the Health & Social Care Act 2008. This is a model that falls outside the scope of the CQC’s regulations, but is still recognised by them.
Rather than employ the carers we work with, we act as a marketplace – connecting customers who require care with suitable self-employed care professionals and providing them with the tools they need to manage their ongoing relationship directly.
The agreement for how care will be provided sits between the carers and families we help. We find this introductory service usually suits families who really want care to take place at home but don’t mind taking on a bit of extra responsibility to keep costs down and stay in control of the overall experience, without a care manager controlling how their loved one should be cared for.
A fully-managed live-in care agency is regulated by one of three independent bodies in Great Britain – the Care Quality Commission (CQC) in England, The Care Inspectorate Wales (CIW), or The Care Inspectorate Scotland (CIS).
The carers are direct employees of their company, meaning the company manages your carer’s pay, benefits, holidays and pension.
A fully-managed agency recruits a staff of carers and provide standardised training. They generally charge more than introductory agencies, as the fee includes all the elements of care planning and management too – a fee that’s determined in an assessment. In contrast, introductory agencies are more flexible in costs – meaning they tend to have lower fees.
This difference in fee doesn’t necessarily affect the quality of care, however it’s worth bearing in mind that because a care manager will take a more hands on approach to planning how your care works each day, and the agency will rely on a staff of care workers, the continuity of care you receive may be prone to change, and you may not have as much say over how you or your loved one is cared for, or whether things are done a certain way.
Why choose Elder for live-in care?
Elder is an award-winning marketplace connecting families and self-employed carers through a safe, responsive and well-led service.
Our online platform makes searching for a self-employed carer easier than ever before. You can browse and chat to carers suitable carers from our network of over 6000 pre-screened candidates, and invite family members to help with the care decision-making process. Then, use your all-in-one MyElder account to control your care experience.
While we provide the tools, the agreement for how care takes place will sit with you and your self-employed carer. This keeps care personal, allowing you to work together to protect a loved one’s routine and way of life.
Your choice of carer
We’ll help identify a great self-employed carer from thousands of background checked and competency-assessed candidates. We look at 25+ criteria points to find carers that match the skills, experience, and personality you’re looking for.
We move at your speed
Whether you’re in need of care within the next 24 hours, or are planning for the future, our expert care advisors will ensure you have the information and support you need to make a confident care decision.
Personalised support
Our care advisor team is regularly rated 5-stars, and are here 365 days a year to help you find the right carer and put care into place. As an Elder customer, you’ll also have the on-going support of our dedicated family and clinical teams.
Transparent pricing
Unlike many care companies we’re clear about the cost of live-in care. On average families pay 35% less with us than with a traditional live-in care agency. We also don’t charge any upfront costs, or surcharges over bank holidays or weekends.
We’ve been connecting families and carers since 2016, and understand that having someone live in your home is a big step, which is why we ensure, through our matching service, that your opinions and preferences are really listened to. It means we can help find an experienced carer who’ll suit your situation for the long-term. In fact, 9 out of 10 families find their ideal carer first time.
Share your request
Tell us your care requirements using our request form, including the type of care you’re looking for, any specialist skills you need, and what daily life looks like.
Select your carer
You’ll start receiving self-employed carer profiles within 24 hours. Chat to them online or arrange a phone or video call, before choosing who you like best.
Manage care
Once your contract with your carer begins, use your MyElder account to chat with them and the Elder team, manage your schedule and care information, and find respite cover if you need it.
Peggy’s dementia meant she found it difficult to settle in and feel comfortable in a care home. Here, her daughter Jill shares how Peggy felt much more herself again back at home with the support of her live-in carer Jennifer.
Who are the carers on our platform?
At Elder, we understand it can be difficult to let someone you don’t know into your home, which is why every carer on our platform must pass a suitability screening before they can connect to families. This includes –
- A clean and valid DBS (England and Wales)
- Providing 2+ verifiable professional references
- Providing a valid photo I.D
- Showing a good level of written and spoken English
Want to meet some of the self-employed carers on our platform? Read their stories.
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We’re rated the UK’s top home care company on Trustpilot. Take a look at the positive reviews here, or connect with local carers today.
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