When considering care in later life, many envision moving into a residential care home. However, nearly a million people annually receive care in their own homes. This service is essential for those who struggle with daily tasks, seek companionship, or need help maintaining mobility and independence.

The Benefits of Home Care

Home care offers the advantage of maintaining independence and preferred routines for as long as possible. It supports various needs, including daily routines, meal preparation, medication assistance, and even companionship. For many, home care is a lifeline, ensuring they stay in a familiar environment while receiving the necessary support.

Types of Care Available

1. Home Care: Most individuals receive care in their homes, with carers visiting regularly based on need. This could range from a few hours a week to full-time live-in care.
2. Residential Care Homes: Best suited for those unable to maintain independence at home, offering 24/7 support in a community setting.
3. Retirement Communities: These provide independent living with flexible care options from on-site staff.

How to Set Up Home Care

Step 1: Needs Assessment

Begin with a needs assessment to understand the specific care required and the associated costs. This can be arranged through your local council or a private care provider. The assessment will determine your eligibility for free or subsidised care and outline the necessary services.

Step 2: Council vs Private Provider

• Local Council: A social care officer will visit to conduct the assessment. They will determine your care needs and if you qualify for free services.
• Private Care Provider: Contact a provider directly to arrange a needs assessment. This may offer more flexibility but at a cost.

Will You Have to Pay for Home Care?

Funding Options

1. NHS Funding: Available for those with complex care needs, such as cancer patients. This is non-means tested.
2. Local Authority Funding:
   • England: If your savings and assets exceed £23,250, you will need to cover care costs. Below this threshold, the council may contribute on a sliding scale.
   • Wales: Contributions are capped at £100 weekly if savings exceed £24,000.
   • Northern Ireland and Scotland: Personal care at home is free, though additional support may incur costs.

Self-Funding

If you do not qualify for local authority support, you will need to self-fund your care. It’s still beneficial to undergo a needs assessment for information on available services and future planning.

Costs of Home Care

Home care costs vary by region, provider, and care complexity. The UK Homecare Association estimates regulated services cost around £29-£30 per hour. Live-in care fees are typically calculated weekly. Comparatively, residential care homes cost over £1,000 weekly on average, making home care a more economical option.

Choosing the Right Care Provider

Selecting a care provider is crucial. Here are key questions to ask:

1. Care Plan Involvement: Ensure you or a representative are fully involved in creating your care plan.
2. Number of Carers: Aim for a small, consistent team.
3. Staff Training: Verify staff qualifications and specific training relevant to your needs.
4. Meeting Carers: Ask if you can meet your carers beforehand.
5. Care Plan Access: Confirm who will see your care plan and visit notes.
6. Changing Needs: Ensure the provider can adapt to changing care needs.

Regulatory Oversight

The Care Quality Commission (CQC) regulates home care providers in the UK. Check CQC reports online to understand a provider’s strengths and weaknesses, and use this information when discussing your care needs with them.

Additional Support

Adapting your home, such as installing a stair lift, can be facilitated by your local authority’s social care team. Age UK offers advice, telephone befriending, and social activities. Their helpline is available at 0800 678 1602 for support and information on managing later life.

Understanding the costs and available support for home care can make a significant difference in maintaining independence and quality of life in later years. Whether through local authority funding, private providers, or additional support services, there are numerous ways to ensure the care needed is accessible and affordable.