Live-in Care: What Are the Costs?

You may think that the cost of live-in home care is beyond the reach of most people, but this is not necessarily the case. While private twenty-four-hour care costs can vary considerably between different areas in the country, and there are differences between the fees from one private care provider to another, 24/7 care can be a very cost-effective care option for many people.

Help with Funding

Your loved one may be eligible for assistance with paying for care from the local authority. If this is the case the value of their property will not be taken into account unlike it is when someone is admitted to residential care. Sometimes continuing health care funding is available to a person needing live-in care for certain health conditions.

It is worth contacting the social services department of your loved one’s local authority to request an assessment of need. This is a free service and will help to clarify what is needed as well as what financial help may be available.

Private Live-in Care

Reputable providers of live-in care will be transparent about their fee levels and what these cover. Costs may be dependent on the specific needs and preferences of your loved one, so these need to be clearly understood.

Some older people may require specialist care such as Alzheimer’s care or care for conditions such as Parkinson’s disease or Multiple Sclerosis. A live-in carer may need special training or extensive experience for some positions and each case is different, so you should ask the provider what the specific costs will be.

Included in the cost of 24/7 care from a professional caregiver is the work that goes into ensuring a good match between the personalities, interests and background of the care recipient and carer. Finding the right person to care for your loved one can improve their quality of life immeasurably.

Comparing the Cost of Different Types of Care

Elderly care can be provided in a person’s home, or in a residential care home or nursing home. It’s important also to assess the emotional value of the independence and comfort provided by one to one assistance by a full-time carer in the home.


Dulcie’s care story

Dulcie is one of our longest serving customers. In this video, she and her family talk through their decision to arrange care in the home rather than the care home.


Nursing and Residential Care Homes

The cost of a care home bed can be similar to the cost of having a live-in carer, but the service provided is very different. Living in a community with other people who also need support means that there will inevitably be some waiting for staff to attend to your loved one’s needs.

When people have lived in their own home for many years it can be very upsetting for them to give their independence up. One advantage of residential care is that there is no need for the person to worry about utility bills and food preparation, but many people find it difficult to settle in one small room after being used to their own house.

People who need dementia care can be particularly disturbed by changes such as moving into residential care.

Traditional Domiciliary Care

Traditional domiciliary care that encompasses food preparation, personal care, health care, help with transport to appointments and local groups plus assistance with domestic tasks can cost as much as £1,200 a week – more than the cost of having private twenty-four hour care at home.

The many different agencies and individuals involved in providing care can also impact the cost. With traditional domiciliary care, your loved one would be waiting for different people to arrive to carry out various tasks, deliver meals or provide transport. If they needed assistance with getting up and going to bed, they would have to adhere to the times the domiciliary carers were available.

In-home Care

If your loved one is supported to remain independent living in their own home by a live-in carer, they will benefit from so much more choice in every aspect of life, from what time to get up to when and where they eat their meals.

Having a live-in carer can be more cost effective, and for couples it can save a great deal of money because if two people go into a care home they will have to pay for two places. One carer can meet the needs of two individuals in their own home, and they can continue to live as a couple with all the help that they need.

There will still be utility bills and the cost of property maintenance to be taken into account as with anyone owning a property, but the improved quality of life offered by in-home care often easily makes up for this.

The care provider will be happy to discuss your loved one’s specific needs with you and give you an accurate indication of the costs involved in this type of elderly care. They will also be able to guide you through the various ways of paying for care and to recommend which would be your best option.

Call us for expert live-in care advice

You may think that the cost of live-in home care is beyond the reach of most people, but this simply is not the case. While the costs of private twenty-four-hour care can vary considerably between different areas in the country, and there are differences between the fees from one private care provider to another, 24/7 care can be a very cost-effective care option for many people.

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