Cost-effective care at home
We have three plans catering for a range of needs. Whatever your loved one’s situation, they’re able to get a carer for everything up to nurse-led care. Simply choose the option that works best:
– Standard care — For those who need some assistance to live the life they want. From £849 weekly.
– Specialist care — For those with challenging requirements, like peg feeding or stoma. From £895 weekly.
– Advanced care — For those with more extensive needs, requiring day-and-night support. From £1450 weekly.
Ways to pay for care
Funding the care services your loved one needs can feel confusing and complex. We can help you put the long-term financial solution in place to give you the peace of mind you’re looking for:
– Local authority direct payments — This is money paid directly to your family so you can decide on the care that’s best. Your loved one will have their needs and financial means assessed. They’ll then be informed about how much funding they’re entitled to. If they’re eligible, you’ll be able to take control of your care funding with a direct payment.
– NHS Continuing Healthcare funding — This is NHS funding that covers care costs in their entirety. This is only available for those with a medical need and isn’t means-tested. Those entitled will receive it regardless of income. To use Continuing Healthcare for live-in care, you’ll need to ask for it to be paid as a personal health budget, the NHS equivalent of a direct payment.
– Equity release — For those who aren’t entitled to funding to cover care costs — in either part or full — there’s equity release. This is where you use the value of your home to pay for care. Choose between a home reversion plan or a lifetime mortgage, depending on whether you want to sell the home but retain the right to live there or loan money against it.
Other care costs to consider
As well as the flat rate of £849 per week, you should also have a think about other costs you might need to fund:
– Car and driver — If you need us to find a carer who is able to drive, we charge e do charge an additional £40. Or it’s £80 per week for them to bring their own car.
– Carer’s food — You’ll have to pay for your carers food. As a guide, we usually put this at around £30 per week and recommend your loved one and their carer eat together.
– Maintaining the home — You need to consider the general upkeep of the home. That could be anything from hiring a cleaner to getting a plumber round.
– Household bills — with live-in care, you do still need to pay for those household expenses, such as telephone/internet, gas and electricity.
Costs you don’t have to pay
Getting care right is not just about ensuring your loved one is receiving care. It’s about arranging the type of care you want, in a safe environment.
With live-in care, not only can you avoid the residential care home, you can avoid the following costs:
– Council tax — even though your elderly relative continues to live at home, they don’t have to pay council tax.
– Hidden care home costs — Unlike care homes, with Elder, you don’t pay additional fees. For example, for hospital visits. Citizens Advice estimate these alone can cost as much as £5,200 per year.
– Home adaptations — Your local authority will help you upgrade your home so it’s ready for care, up to the cost of £1000. And, if you have more acute needs, you’re able to claim up to £30,000 with a Disabled Facilities Grant.