Planning care provision for yourself or a loved one in later life can be a worrying financial burden. There are a range of care options out there that vary enormously in cost, but with some research and planning it’s possible to find the right option to suit both an individual’s care needs and their financial situation.
Whilst the average residential care home costs are higher than the average home care package costs, the priority should be based upon the individual’s care needs and wishes. Home care is often a good choice as it allows greater flexibility in care and cost. It is also often the preferred option for many who wish to remain in the surroundings they know and love.
When considering home care plans, it’s worth shopping around and reading the small print. For example, some providers will include a carer’s travel time within their visit duration and others may have a minimum visit duration, both of which can lead to increased costs.
Kelly Shaw of Heydays Care says, “Your wealth shouldn’t determine the quality of care. Whether your care is funded or part-funded or whether you pay privately, the care quality should be exactly the same.
Good care can be affordable! Many of our clients opt for more regular half hour visits as opposed to one-hour visits, which both meet their care needs and allows their finances to stretch further. The regular interaction can also help those who are alone during the day. Sometimes it’s about the quality of their daily life and having the chance to sit and play a board game with someone else or enjoy a slice of cake and a giggle.”
If you’d like help with deciding on the right care options to fit with your financial situation, both Age UK and Cumbria County Council offer good advisory services. We are listed on their recommended providers list along with other agencies in the area.