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At The Good Care Group, we know through our experience in helping many families to plan live-in care over the last 10 years, that the cost of care is a significant consideration. Once you have decided that live-in care is the right choice for you and your family, our friendly and expert care advisors are here to help you make sense of live-in care costs. We can help you to better understand everything you need to think about when considering the cost of live-in care. Call our team today on 0808 2380 3379. We are here to help you and your family every step of the way. We have created a useful guide below which gives you information on how to evaluate live-in care costs, what social funding may be available to you and how you can finance live-in care if you are self-funding care.
How much does 24-hour live-in care cost?
There are many factors that impact the cost of live-in care, including the health of the person receiving care, the conditions they are living with and the type of provider you use to receive care in your own home. The range of weekly fees will differ dramatically from provider to provider.
At The Good Care Group our expert care manager will meet with you and your family at home, or in hospital if you are waiting to be discharged to undertake a comprehensive assessment of your needs covering not just your care and support needs, but all your choices, preferences and social requirements and how you wish to live your life in your own home. We will then provide a quotation for the live-in care package that will best meet your needs.
Live-in care costs are quoted as a weekly inclusive price based on a person’s assessed needs – there are no extras. This makes it very straightforward for families to plan the annual live-in care cost for their loved one. Care homes will charge a weekly fee for care and some separate out the care and accommodation costs, in addition to charging monthly for extras like hairdressing, newspapers, therapy appointments like chiropody and social events and activities. This can make it more challenging for families to plan the total cost of care over the course of a year.
Once the inclusive weekly fee is agreed with you, there will not be an increase in live-in care costs unless there is a significant change to the care your loved one needs. Annual inflationary rises in live-care costs are usual practice with all providers in the sector and will need to be considered by families when looking at the longer term.
Live-in care cost considerations
Live-in care costs vs. care home costs
24-hour live-in care costs are typically in line with a care home, and sometimes less. The cost of a care home can vary significantly depending on the standards of care and the environment, as well as the location of the care home. Care homes are typically more expensive in the South East of England. If nursing care or specialist care of conditions, like dementia, Parkinson’s or Multiple Sclerosis is needed, or for those requiring stroke care, cancer care or palliative care, then the weekly fee can be considerably higher. When considering a care home, it is important to ask them what is included in the weekly fee as there are generally optional extras, such as trips or hairdressing all of which can add up over the course of a year.
The weekly cost of receiving quality, award-winning care in a care home can range from £1,600 to £2,000 per week, depending on the level of care provided and the room you choose in the home. If you are a couple live-in care really is a cost-effective option. In a care home you would be charged double for two bedrooms. With live-in care there is only a nominal live-in care cost if two people receive care at the same address.
With live-in care you have the added value of being able to keep your family home and the fee you pay for your care is purely for the quality support you receive and not the room and board of a residential home.
Benefits of live-in care
When considering the cost of live-in care compared to the cost of care in residential or nursing home, it is worth looking at the compelling benefits of receiving care at home.
- One-to-one care and support around the clock – one-to-one care simply cannot be achieved in any care home.
- A uniquely developed, highly personalised plan of care designed to meet your care needs whilst addressing how you wish to live your life - none of the rigid timetables or set routines experienced in a care home.
- Specialist and complex care provided by highly trained carers delivered in the comfort of your own home. Familiar surroundings and routines are paramount in helping those living with specialist conditions, like dementia or Parkinson’s.
- No need to move out of your much-loved home, with all the upset and disruption that brings. The family home can then be kept in the family, instead of being sold to fund care home fees. Staying at home means you can keep control of your life, with all your treasured memories and possessions around you.
- With live-in care you can keep your pet and the carer will support looking after it, and if you have a dog will be happy to walk it for you. Pets are generally not permitted in care homes.
- Considerable and proven benefits to overall health and wellbeing, with much needed peace of mind and reassurance for family members.
- Those who require couples care can stay together as a loving couple, whilst receiving individual care plans. Couples may be split up to be cared for in different areas of a care home.
"I spent a long time reviewing care providers online, before I decided to contact The Good Care Group. I was very apprehensive as my mother is 81 years old and had very complex needs. From the first point of contact, I have been thoroughly impressed and the professionalism I have experienced is second to none. After a couple of telephone conversations with a care advisor we were visited in our home by Rachel the care manager, who made us feel at ease. She assessed our situation and produced an extensive care programme which addressed all my mother’s needs – the attention to detail was incredible. Rachel was super-efficient, friendly and very approachable. Absolutely nothing was too much trouble for her. We were matched with a wonderful carer, who was brilliant in the way she looked after my mother. She was kind, patient, friendly and so hard working. She looked after my mother as if she were her own and went beyond what was expected. I cannot thank The Good Care Group enough."
Live-in care costs for elderly vs. domiciliary care costs
Domiciliary care at home, sometimes called hourly care or visiting care is usually provided by a domiciliary care agency. A visiting carer from the agency you choose will visit you in your home, usually daily, sometimes twice or three times a day to support your care needs. Carers will support you with personal care and will enable you to have meals as and when you need them. Domiciliary care is suitable for those with low to medium needs and for someone who does not need around the clock care.
Domiciliary care is charged at an hourly rate and will be paid directly to the domiciliary care agency. It is usually paid on either a weekly or monthly basis depending on the arrangement you have with the agency. Hourly rates for domiciliary care range from anything from £15 to £30 per hour, depending where in the country you receive your care.
The cost of live-in care is often cheaper than the total cost of domiciliary care at home. When a person is receiving domiciliary care, provided by a domiciliary care provider it is likely that you will be charged extras for additional services to support the person’s specific care needs, for example dementia, Parkinson’s or for someone with high or complex needs, on top of the cost of a carer visiting. These extras add up and can become costly over time.
When a person’s needs increase and a greater number of hours are needed each day to provide the care they require, a domiciliary care agency will continue to charge by the hour, which can become very costly. The total hourly cost to provide domiciliary care to someone who requires 24-hour care and support will certainly exceed the price of an inclusive live-in care service.
Introduction agency vs. fully managed live-in care provider
It is important when considering live-in care costs that you think about the differences in costs and benefits between using an introductory agency, who charge you a fee to introduce you to a carer who you employ and pay yourself and manage directly, or using a fully managed and regulated live-in care provider, who provide greater levels of management and service delivery to ensure you get the highest quality live-in care.
There are many reassuring benefits to using a fully managed service. As a fully managed service, The Good Care Group directly employs its professional carers – we never use agency staff. All carers go through a robust and rigorous recruitment process and are trained to the highest level before they are placed with a client. Uniquely, we are the only live-in care provider to use a situational judgement test during the recruitment process to ensure those we hire have the aptitude to deliver the high-quality care our clients should expect. You will be supported by a dedicated regional manager and a care manager, with support from a central service centre. Our managers only look after a small portfolio of clients, which means you and our care teams get unrivalled levels of support.
The Good Care Group is a regulated service, which means the quality of its care is regulated by The Care Quality Commission (CQC), something introduction home care agencies are not. As a family you cannot be assured of the quality of the service the carer you are introduced to will provide. We are proud to be the only live-in care provider in the UK to have achieved an ‘Outstanding’ rating in all five areas in our last inspection. Read our CQC report here. We are completely accountable for the care we provide, which eliminates worry and provides reassurance to families that their loved one is in safe hands and receiving the best care.
Once an introduction agency introduces a carer to you and you pay the one-off charge to them for that service, that is the typically the end of their involvement in the arrangement. Families are then left to supervise, manage and organise all aspects of the care for their loved one, which for most is time consuming, frustrating and sometimes unmanageable. Most people who require long term care will need a team of two carers to provide the support they need.
This means you will be responsible for managing a rota, paying the carer and organising sickness and holiday cover. Carers introduced through an introductory agency are self-employed and have not necessarily had any training before being placed with a client.
With a fully managed and regulated service all these worries are simply taken away and you have all the reassurance you need about the quality of care being provided and the level of service you will receive – making life easier for all the family.
Price is a factor in the quality of care provided and the level of service the provider offers, so should be considered with many other factors including:
- Whether the provider employs its carers directly, how they train them and develop their skills to ensure high quality care is provided
- How the service is managed – a fully managed service where you have around the clock support will generally command a higher weekly fee, but you need to consider the drawbacks of not using a managed service and constraints of family time
- Whether the provider offers specialist care of conditions, nurse-led care where carers are trained to carry out the duties of a district nurse or whether input is provided from an expert Occupational Therapist – this will typically result in a higher weekly fee
- Whether they measure improvements in health outcomes of its clients and can evidence how they do this
- How the quality of care is monitored and measured – is there a focus and commitment to quality assurance
- Is the provider regulated and inspected by the Care Quality Commission (CQC) – introduction agencies are not so you cannot be assured of the quality of the service you receive
- Does the provider optimise technology in the service it offers? This could be by giving the family a way to stay connected to the programme of care their loved one receives via a secure website. This allows family members, as well as healthcare professionals to access daily care records and care plans, providing a reassuring window for families who live away from their loved ones.
Live-in care for couples
Live-in care for couples is fast becoming the preferred choice when one or both of you require long term care instead of moving into a care home. Even the best care homes generally do not have double bedrooms for couples to share together, living the life they always have. If you both have different needs you could find yourselves being split up and cared for on different floors or units within the home, which many will find very distressing as it results in couples not spending quality time together.
With live-in care there is one inclusive weekly fee for providing care at the same address, with a nominal charge to provide couples care. In a care home costs can be double for two separate packages of care and accommodation, making the choice to move into a care home not as cost effective for couples.
Respite live-in care costs
Our cost of live-in care for a respite is subject to a full assessment of your loved one’s needs. We also offer discounts for a repeat or for a series of respite bookings. It is worth considering that live in respite care is comparable to the care offered in a care home, with all the compelling benefits of staying in the comfort, familiarity and safety of your own home and surroundings.
"The Good Care Group provides live-in care to my elderly parents and have been excellent throughout. They have carefully selected a team of two carers who have been so well matched to my parent’s background and interests. We very quickly became totally confident by the quality of the care and companionship provided by not just the carers, but the company which was so reassuring as we live so far away from my parents. The carers are kind, thoughtful and compassionate. They treat my parents with the greatest respect and are sympathetic to their needs, wishes and feelings at all times."
Specialist and complex medical care costs
We have over 10 years’ experience in supporting people to live well at home with several complex conditions, like dementia, Parkinson’s disease, Multiple Sclerosis or for those needing stroke care, cancer care or palliative care, that require specialist care and medical support. If a person has a more specialist plan of care this generally involves a higher weekly live-in care cost.
However, it is worth noting that live-in care from a fully managed and regulated provider who employs and trains its professional carers to provide specialist support for these conditions is far cheaper than using a domiciliary provider, who provides hourly or visiting care at home. If you are living with a condition that involves specialist medical or complex care and are receiving hourly care, there will be additional charges on top of the cost for the visit to support you, which quickly add up and can become costly.
Financing live-in care costs
Many families are faced with having to fund live-in care themselves (referred to as self-funding care). For these families there are options to help with live-in care costs, including a Care Fees Annuity, which is an insurance policy you purchase to cover the cost of your care, or by realising capital in your assets through an Equity Release scheme. Read the Live-in Care Hub’s guide to funding and financing care at home here.
Case study : How Eric financed live-in care
Eric and Alma had been married for over 65 years. Sadly, Eric’s deteriorating health meant that a move into a care home seemed an inevitable end to their life together. Alma and the family wanted him to stay at home but knew that this would not be an easy decision, as Eric needed specialist personal care and Alma was unable to provide this. As a potential solution, the family considered having a live-in-carer and both arranged a meeting with The Good Care Group. Following our assessment, we knew we could deliver a live-in care package to meet their needs.
Expert advice from Symponia
To help them explore the best way to fund the care they needed, they talked through the option of equity release with the local Symponia member, who suggested that the whole family became involved in the discussions. Symponia is an organisation dedicated to providing independent financial advice to families so they can finance their private care fees. A key decision was how much money should be released. Did the family just take enough for one year and continue to draw down each subsequent year, until the maximum sum had been exhausted?
Exploring an immediate care plan
To help the family get the peace of mind they desired, the advisor suggested they explored an Immediate Care Plan. They calculated the income Eric and Alma received, by way of pensions and other investments and compared that to their expenses, which had to take into account not only the household costs, which largely remained unchanged, but importantly Erics care costs.
After assessing Eric’s health, the cost of the Immediate Care Plan, with a built in automatic 5% inflation was £92,000. Eric and Alma then used equity release to by the Care Plan. As their property was valued at over £500,000, the release of equity was just under 18.5% of the total value.
This meant that Eric was able to receive the high-quality care at home he needed and they both had the peace of mind that his needs would be provided for, for the remainder of his life. Much needed reassurance when they needed it.
Why choose The Good Care Group for live-in care?
At the heart of our live-in care service is enabling people to live well in their own home with the medical care and support they need from a carefully well-matched, trained professional carer who provides a better quality of life for those receiving care, whilst families receive a fully managed and regulated service that they can trust and rely on.
There are many other compelling benefits to receiving live-in care from The Good Care Group:
A perfectly matched care team
A live-in care arrangement usually involves two carers working on a two-week rotation. They will be carefully matched working with you and your family to ensure they are able to meet not just your care and support needs, but are closely aligned with how you wish to live your life, sharing common interests, personalities and backgrounds. In the rare situation, the match does not work out we will happily work with you and your family to find the care team that does.
Expertly trained care teams
Our industry leading training programme completed by our care teams has been created with leading charities and clinical experts and goes well beyond industry standards. This enables our professional carers to support a range of conditions affecting older people, including complex conditions that require more monitoring, care and support. From training, through probation, into placement and beyond our carers never stop learning new skills that ensure they can deliver the quality care our clients should expect, whilst finding new ways to further enhance the level of care they provide.
Clinical care developed and supported by experts in their field
Supported by our specialist in house nurse, Dr Jane Pritchard and our central senior management team, many of whom are nursing professionals our professional care teams can support people with nurse-led care in the comfort of their own home. All our professional cares are qualified to manage and administer medications, and support with several complex medical interventions. We understand that medical care can require equipment and other adaptations to the home. Our dedicated Occupational Therapist (OT), Jackie Cooper will not only liaise with doctors, district nurses and NHS OT’s and physiotherapists, she is also on hand to be able to conduct a thorough OT assessment to facilitate fast and discharge from hospital if required and will co-ordinate any requirement for equipment, so you can get home as quickly as possible to be cared for comfortable in familiar surroundings with all the care you need. These specialists ensure our professional carers are focused on and supported to deliver a holistic and multi-disciplinary approach to caring for your loved one.
Innovating care delivery through technology
Unlike any other live-in home care provider in the UK, we have invested in creating our own market-leading technology to further enhance our service. Through the development of an online community for our clients, their families and our professional carers, we are proactive and responsive to emerging issues, whilst enabling the softer social benefits that technology brings. The secure platform is focused on ensuring our carers are equipped to effectively deliver the high-quality care our clients should expect, whilst delivering improvements in health outcomes. Our families can access important information about the care of their loved one, providing a reassuring window into the care they are receiving.
Our professional carers use a dedicated community through a Chromebook to complete daily care records, update care plans, monitor nutrition and hydration and manage medications proactively with safety features ensuring accurate administration.
This allows us to effectively monitor the health outcomes of our client’s care, so we can prevent and respond to incidents and ensure the very highest quality of care is always provided. The online community also allows our professional carers to network, support each other and share best practice, whilst facilitating a connection which is so important for a remote workforce.
For families who may live some distance away from their loved one, they can access care plans, care records and a calendar of events as and when they wish, offering much-needed peace of mind. We are proud that this community offers families a transparent and immediate insight into our service.
The technology also provides families with reassurance that any cash handled by our carers is being managed safely and accurately, whilst enabling them to manage practical arrangements, such as food shopping remotely. They can also connect with our other clients’ families who may well be in a similar situation as themselves, so they can share their care experiences and support one another.
Our professional carers will utilise the technology for their clients’ socialisation and enjoyment – everything from video calls with family members so they feel connected, online shopping to general web browsing.
Improving health outcomes
At The Good Care Group every decision is driven by delivering improved health outcomes for our clients. Through our dedicated and committed approach to providing high quality care to our clients and the use of our market-leading digital technology, we see significant improvements in our clients’ overall health and wellbeing every year.
Unique to the live-in home care market, the technology enables us to digitally monitor health outcomes allowing us to effectively predict risk and shape the care we provide.
We know, for example that urinary tract infections (UTI’s) are one of the leading causes of hospital admissions for our clients, so we equip our carers with handheld testing kits to proactively monitor our clients for infections.
We then benchmark our data to demonstrate how effective our care is in improving the quality of our client’s lives in the context of other types of care provision, for example care homes.
Our health measures are focused on achieving the following:
- Promoting wellbeing, independence and enjoyment
- Reducing behaviours that challenge through implementation of psychosocial techniques
- Reducing and eliminating antipsychotic drug use
- Promoting excellence in nutrition and hydration
- Reducing and preventing falls in the home
- Reducing hospital admissions and re-admission
- Reducing UTI’s and chest infections
- Reducing carer stress
We are proud to be transforming health outcomes for those who require live-in care. In 2019 our care teams achieved the following outcomes for those they cared for:
Unrivalled falls prevention programmes
In England alone, 30% of people over the age of 65 fall at least once a year and for those 80 and over it is 50%. By comparison, only 7% of our clients aged 65 and over fell at least once, and that was only 6% for those aged 80 or over.
Our clients are seven times less likely to suffer a serious injury as a result of a fall than residents living in a residential care home. This is a result of our quality one-to-one care, which just cannot be achieved in even the very best care home, and our effective personalised falls management programmes.
Working with our in-house Occupational Therapist, we identify clients who are ‘frequent fallers’ and through an intensive and personalised approach to falls management these clients experienced 47% fewer falls from being in our care.
Reducing urinary tract infections (UTI’s)
Through enhanced training and the use of our market-leading digital technology, our professional carers can perform urinalysis tests. This means they can provide accurate and timely information to GP’s, enabling a quick diagnosis and treatment. 82% of our clients were diagnosed in 2019 using urinalysis kits, and through the introduction of testing we were able to reduce emergency interventions involving a 999 call or ambulance call out by a staggering 63%. We have also achieved a 22% reduction in overall UTI related hospital admissions.
A specialist pathway for palliative care at home
For those with a life-limiting illness or a terminal condition, most of us given the choice would wish to end our days in the comfort of our own home. However, the percentage of people in the general population who can do that is as low as 16%. By comparison, our approach to one-to-one palliative care at home has enabled 77% of our clients to pass away in the place they love most – their own home.
Effective pressure sore management
Our high-quality home care provided by dedicated and professional carers has seen a staggering reduction in pressure sores in those we care for when compared to both hospital and care home settings. Our clients are nine times less likely to acquire a pressure sore than they are in a care home and three times less likely than in hospital.
Proactive monitoring of chest infections
Our partnership with an award-winning technology provider, Feebris has seen us reduce hospital admissions for those with respiratory problems by 28%. Our carers use handheld medical devices to detect early signs of illness, such as chest infections enabling timely intervention to avoid unnecessary hospital admissions.
Efficient management of medications
Our digital technology is used proactively to effectively support safe administration of medications, which has seen error rates of 3% compared to a 22% error rate in care home settings.
Reducing the use of antipsychotic mediation for those living with dementia
The use of antipsychotic medication to treat dementia symptoms has been increasingly challenged over the last ten years, as they have been shown to be harmful for people living with dementia and are at times prescribed unnecessarily. Through our approach to professional and specialist one-to-one care for those living with dementia, our clients are four times less likely to be prescribed antipsychotic medication than residents of care homes.
Peace of mind and reassurance
Rated ‘Outstanding’ by the Care Quality Commission (CQC)
The Good Care Group is the only live-in care provider in the UK to achieve an ‘Outstanding’ rating by CQC across all five categories – safe, effective, caring, responsive and well-led. We know this provides families with peace of mind that their loved one is receiving the best possible care.
A fully managed and regulated live-in care service
We provide a fully managed and regulated live-in care service which offers families reassurance at a time they need it most. Unlike introduction agencies who are not regulated by CQC, all our professional carers are directly employed and managed by us. We ensure they are supervised by an experienced manager and supported by clinical experts – 24 hours a day, 7 days a week.
Local teams with national coverage
We operate nationwide with a local approach to management of our teams near you. Each dedicated care manager has as small portfolio of clients to support, enabling the care team to provide a tailored one-to-one approach with the highest levels of monitoring and support from an experienced management team.