Cost of Live-in Care

Cost of

Live-in Care

About Live-in Care costs

The cost of Live-in Care can be a vital factor in the decision making process between Home Care or moving into a care home.

Live-in Care is generally considered to be a cost effective alternative to living in a care home, whilst still providing a level of independence. Everyone’s needs are different so the costs of Live-in Care can vary depending on the level of care required.

Unlike other Home Care options, the cost of our Live-in Care remains the same wherever you live across the South of England.

Your home, Your care, Your choice.

How much does Dementia Care cost?

Live-in Care is one of the most holistic forms of Home Care. Sometimes known as 24 Hour Care at Home, it is provided by a dedicated Carer in the comfort and security of your own home. A Live-in Carer moves in with you or your loved one and is ready to support whenever and however you need them.

With continuous care provided in the comfort of your own home, you or your loved one can stay close to family, friends and neighbours. It enables you to enjoy additional companionship and minimal disruption to your daily routines.

Live-in Care costs vary according to what care you require. This can be anything from companionship, having someone to support when going out, to providing specialist support and staying awake with you through the night. Whether you simply want a friendly face around the house or have complex requirements, we can help.

Your home, Your care, Your choice.

Why pay for Live-in Care?

Choosing Live-in Care is a big decision. After an inevitable initial adjustment, having a Carer available 24 hours a day can be transformative for added reassurance and peace of mind.

Our Live-in Carers work to understand what matters most to you, helping you stay safe, secure and independent in the home you love. Scroll across to explore some of the key benefits of choosing Live-in Care…

Cost Effective

Live-in Care can be particularly cost effective when compared with a care home, especially for couples. Live-in Care removes daily admin charges like making changes to care visits or cancellation fees that may occur with domiciliary care.

1:1 Support

Unlike most other forms of care, Live-in Care is truly one to one. Your Live-in Carer provides undivided support to you at home whenever you need them. You remain in charge of routines with the added comfort of a companion.

Less Disruptive

Moving to a care home can be disruptive. Stay in the comfort of familiar surroundings and avoid the stress of leaving your home. Loved ones can visit you at home any time of the day, without the restriction of visiting hours.

Enjoy Company

Living alone can be hard but the many unfamiliar faces of a care home can also be overwhelming. A regular Live-in Carer can provide companionship as well as privacy and independence.

Personalised Care

We’ll work with you to create a personalised care plan tailored to your specific needs and preferences. We continually monitor and review your care plan to make sure your needs are always met.

Stay Local

You’ll continue to enjoy your usual routines in familiar surroundings. Unlike residential care, you or your loved one will remain in the community you call home.

Safety

Studies show Live-in Care is safer than a care home. People receiving Live-in Care have half as many hip fractures as those living in care homes.

Why choose Careena Homecare?

Understanding

Our Overnight Care Teams have many years’ experience. We understand challenges and we’re ready to help you. Our entire service is designed to be simple and less stressful.

Excellent Training

Our Carers are carefully selected and receive training through our exclusive Careena Homecare Academy. We don’t use an agency or freelance staff to maintain our quality reputation.

Quality Care

Our strict performance guidelines, Care Quality Commission (CQC) ratings and transparency via our care monitoring app. give added peace of mind that quality is assured.

Personalised Care

Our personalised care is unique to each person we support. Overnight Care is flexible when circumstances change and always delivered with compassion, dignity and respect.

Understanding

Our Overnight Care Teams have many years’ experience. We understand challenges and we’re ready to help you. Our entire service is designed to be simple and less stressful.

Excellent Training

Our Carers are carefully selected and receive training through our exclusive Careena Homecare Academy. We don’t use an agency or freelance staff to maintain our quality reputation.

Quality Care

Our strict performance guidelines, Care Quality Commission (CQC) ratings and transparency via our care monitoring app. give added peace of mind that quality is assured.

Personalised Care

Our personalised care is unique to each person we support. Overnight Care is flexible when circumstances change and always delivered with compassion, dignity and respect.

Our Live-in Care cost promise

Choosing Live-in Care is a big decision. After an inevitable initial adjustment, having a Carer available 24 hours a day can be transformative for added reassurance and peace of mind.

Transparent

Value for money

Personalised

Consistent

Hair care

Highly recommended

Enquire now

Funding Live-in Care

There are many ways of funding Live-in Care. Although we provide a summary of options below, these are for information only – Careena Homecare is not authorised to provide financial advice. It is recommended you seek professional advice from a registered adviser with the Financial Conduct Authority before considering funding options:

NHS Funding

If you or your loved one has complex health needs and requires continuous support, you may be able to receive funding for Live-in Care from the NHS Continuing Healthcare (CHC) scheme. This is a package of support provided outside of a hospital and arranged and funded by the NHS. Find out more by visiting the NHS Continuing Healthcare website.

Your eligibility will be determined according to the continuing care framework, which considers:

What help you need
How complex your needs are
How intense your needs can be
How unpredictable they are
Any risks to your health if care is not provided

Local Authority Funding

You may qualify for some level of funding from your local authority. You can apply to have a Financial Assessment from your local council to see if you qualify for financial support. If you qualify, the local authority for your area will contribute to your care.

Generally, if your assets are greater than £23,250 then you will have to pay for the cost of care yourself. However, you may still be eligible for state benefits, depending on your personal circumstances and needs.

You can find out more by contacting your local authority’s social services department.

Personal Independence Payment

Personal Independence Payment (PIP) is a state benefit that helps cover extra costs for living with a long term health condition. It’s available for people between 16 and State Pension age who have:

A long term physical or mental health condition or disability
Difficulty doing everyday tasks or getting around

PIP is tax free and you are eligible to receive it whether you work or not. It’s not means tested so how much you earn is irrelevant.

PIP is made up of two parts; Daily Living for help with everyday tasks, such as eating, washing and getting dressed and Mobility for help getting out and about. For more detailed information on Personal Independence Payment, visit the UK Government website.

Lifetime Mortgages

Lifetime mortgages allow homeowners to access equity in their property whilst retaining ownership. They are a special loan, available to homeowners aged 55+, usually for the rest of their life.

You can borrow money against your home as a lump sum or as regular income. Unlike traditional mortgages, lifetime mortgages do not involve repayments. Instead, interest is added so the amount owed accrues. The loan is repaid when the borrower dies or moves into long term care. In this instance, the property is then sold and the loan repaid.

The main advantage is that the homeowner can access equity in their property without selling. However, interest is added to the loan, so the amount of equity in the property reduces and this impacts inheritance.

Home Reversion Plans

Home reversion plans are a type of equity release. They allow homeowners to sell some of their home to a reversion company for a lump sum or regular income. The homeowner continues living in the home, rent free, for the remainder of their life or until moving into long term care.

When the property is sold, reversion companies receive the agreed percentage while the homeowner or beneficiaries receive the remainder. The amount depends on the amount sold and the current property value.

This allows homeowners to access equity without selling their home or making repayments. As with a lifetime mortgage, the main disadvantage is the amount of equity left in the property is reduced which affects inheritance.

Comparing the cost of Live-in Care with…

Private Carers

Compared with self-employed Carers, our Live-in Care service can offer…

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