Calculating the cost of home care: balancing affordability and quality
When it comes to home care, affordability is just as important as quality. No one should have to compromise their well-being to manage costs. Thankfully, there are a variety of home care options that can suit every individual’s needs and budget. In this guide, we’ll explore the cost of home care and how to manage it effectively for yourself or a loved one.
How much does home care cost in the UK?
The cost of home care, also known as domiciliary care, can vary across the UK depending on factors such as location, care requirements, and provider. On average, the cost of home care ranges from £23 to £34 per hour.
For example, if you require two hours of home care per day at a rate of £30 per hour, this would amount to:
- £420 per week
- £1,680 per month
- £20,160 per year
It’s important to note that some care providers may charge higher rates for weekend and bank holiday services.
Local authority contributions and financial assessments
If you’re concerned about the cost, your local council may be able to contribute towards your home care expenses. This depends on a financial assessment, also known as a means test, which is used to determine how much you’ll need to pay for your care.
Here’s how the process works:
- Needs assessment – Your council will first conduct a needs assessment to determine the type and level of care required.
- Financial assessment – A Financial Assessment Officer will visit your home to evaluate your earnings, pensions, benefits, and savings. They won’t need to assess the value of your possessions or life insurance policies.
- Care costs and contributions – Based on the results of your means test, the council will determine how much you need to contribute to the cost of care.
If your capital is over £23,250, you’ll be expected to cover the full cost of care. If your savings are between £14,250 and £23,250, the council will contribute a portion of the costs. For those with less than £14,250 in savings, the council will cover the full cost, though your eligible income will be considered.
If you’re required to pay for care yourself, the council must provide information on local funding options available to you.
What happens if your finances change?
If you start paying for home care yourself but find that you’re running out of funds, the council may offer support. As you approach the £23,250 threshold, it’s a good idea to contact your local council for an assessment to explore funding options before reaching the limit.
Maintaining a quality life with home care
For many people, maintaining a high quality of life is the priority when choosing care options. Reports show that 82% of individuals requiring care prefer home care because it allows them to stay in the familiar surroundings of their own home, maintain relationships, and continue to enjoy their lives without disruption.
Home care also tends to lead to better long-term health outcomes, as people receive the right level of support early on, preventing complications later.
Get the support you need with District Health
If you're considering home care for yourself or a loved one, District Health is here to help guide you through every step of the process. Our team of compassionate professionals can assist with personalised care plans, and we can help you understand your financial options. Contact us today to learn more about how we can support you with quality, affordable home care.
