Are you currently exploring home care options for yourself or a loved one? One of the primary considerations in this process is undoubtedly cost.
This guide aims to provide you with valuable insights into the average expenses associated with home care in the UK, shedding light on potential financial assistance from local authorities and various benefits you may qualify for.
Understanding Home Care Costs
Home care, also known as domiciliary care or in-home care, comes with varying price tags across the UK. On average, you can anticipate paying between £23 to £34 per hour for these services. It’s essential to calculate the estimated costs based on your specific needs, taking into account factors such as the frequency and duration of care required.
For instance, if you need two hours of home care per day at a rate of £30 per hour, your weekly cost would be £420, amounting to £1,680 per month and £20,160 annually. Keep in mind that some providers may charge higher rates for weekends and bank holidays.
Live-In Care Expenses
Live-in care is another option, with fees generally ranging from £900 to £2,000 per week. For instance, if you require 24-hour live-in care at a rate of £1,100 per week, your monthly cost would be £4,730, totalling £56,760 annually. When considering quotes from providers, it’s crucial to assess the estimated expenses to ensure affordability and budget accordingly.
Financial Assistance from Local Authorities
In England, your local council may contribute to your home care costs through a needs assessment and a means test. The means test considers your salary and savings, with different thresholds determining your level of financial support. For example:
- Capital over £23,250: Full self-payment.
- Capital between £14,250 and £23,250: Partial contribution from the council.
- Capital below £14,250: Council covers the care costs, considering eligible income.
Similar assessments and support structures exist in Scotland, Wales, and Northern Ireland, each with its guidelines and thresholds.
Benefits You Might Qualify For
It’s essential to explore potential benefits that can alleviate the financial burden of home care. Some noteworthy benefits include:
- Attendance Allowance: Available for those over State Pension Age with physical and/or mental disabilities, providing weekly allowances based on required care.
- Personal Independence Payment (PIP): Non-means-tested benefit for individuals under State Pension Age requiring long-term care due to a disability or illness.
- Industrial Injuries Disablement Benefit (IIDB): For those disabled due to a workplace accident or work-related illness, providing financial assistance.
- Carer’s Allowance: Available for individuals caring for someone at least 35 hours per week, offering weekly payments and National Insurance credits.
Additionally, NHS Continuing Healthcare is a care package funded by the NHS for those requiring substantial long-term care.
As you navigate the complexities of home care costs, thorough research, and understanding your eligibility for financial assistance and benefits will empower you to make informed decisions. Remember, each region in the UK has specific policies, so staying informed about local guidelines is crucial in securing the right support for your home care needs.
All home care starts with a conversation so that we can get to know more about you and your unique circumstances.
Get in touch now with a member of our care team and let us help you with the planning and cost of care at home. You can request a callback or a home visit, or just ask a question.
We’ll arrange for one of our expert team to respond asap to discuss your home care needs.
