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Care Cost Funding

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Cost of Live-in Care

When looking at home care options, price is often a major consideration. Here we outline the cost of our live-in care package, how this relates to the price of a residential care home or visiting carer, and how live-in care is providing an extra lease of life to many of our customers.

How much does a live-in carer cost?

The cost of live-in care is dependent on the level of care and support you or your loved one requires. The below provides you with a guide as to the cost of live-in care packages with Curant Care:

Type of CareCost of live-in care
Single PersonStarts from £995 per week


70% discount is offered on ‘2nd’ package of care
Respite CareStarts from £1250 per week

This means that live-in care can be cost effective for couples, allowing them to stay in the home and the community that they know and love.

We cover the full range of home care services available, so our costs will be based on your precise needs and requirements – whether it’s providing companionship, personal care, help administering medication or support with more complex healthcare requirements.

Please call us today to get a quote for your specific care needs. One of our advisers will give you an estimate over the phone there and then. The final price for your live-in care will be confirmed once your local care specialist has visited you in person to fully assess your needs.

We can also advise on the funding options that may be open to you, either from your local authority or through continuing healthcare funding with the NHS.

Click here for more information on What is Live-In Care

Respite care costs

If your usual carer needs a break or has let you down, we can provide a carer on a temporary basis, sometimes called respite care.

Respite care is live-in care that is needed for a short period of time – prices start from £1250 per week or £250 per day. This temporary support can be arranged for as little as three days, all the way up to four weeks of support.

If you need support for more than four weeks, our weekly prices for live-in care apply, which are outlined above.

Please do get in touch if you’d like to find more about respite care, and for a full quote.

Caring for couples at home

If you’re a couple investigating the costs of a residential care home, you may be surprised to hear that the cost of a live-in care worker is roughly the same amount. In a care home you’re paying for two beds, while with live-in care you pay for one care worker.

For a couple, residential care home prices can start from £1,302 per week, based on the weekly cost of £651 per person dependent on the quality and services of the home as well as where you live in the country. For a live-in care worker for a couple, our rates are offered at a 70% discount for the second package of care. Both you and your partner will be assessed individually. Although this may be marginally higher than residential care, there are many benefits of having live-in care for a couple rather than moving into a care home, such as knowing that you are both fully cared for in a way that’s tailored to you whilst continuing to live together in the place you know and love. For many, this peace of mind is certainly worth a few extra pounds per week.

Cost of Home Care

Worried about the cost of home care for a loved one? It’s normal to feel unsure, which is why we’re here to assure you that homecare is an affordable and completely flexible option. We understand the importance of ensuring home care tailored to individual care needs, and it doesn’t have to cost a fortune.

With home visits from as little as 30 minutes per day up, as well as the option of overnight support, we have the experience and flexibility to meet your care needs. All our clients are assessed before any care and support commences and we will provide you with the full costings before a contract is signed. 

And because our service is so flexible, you can easily reduce or increase how much support you’re receiving, if or when your needs change.

How much does a Home Care Worker cost?

We know how important it is for you to have a clear picture of your care fees. So, we provide a simple, straightforward breakdown from the very start.

Here’s an outline of our visiting care fees:

  • Prices start from £21.00 for one-to-one personal home care
  • Flexible costs for visits lasting 30, 45 or 60 minutes
  • Free home visit from your local care specialist to assess your needs
  • Free ongoing checks to make sure we’re delivering the right level of care

Call us today to discuss your home care needs and get a full quote for visiting care. Our friendly team of advisors is here to take your call and talk you through all the options.

Your quote for visiting care will be confirmed once your local care assessor has visited you at home to finalise your care plan and double check we have everything covered.

Comparing Care at Home with Residential Care Home

It’s difficult to compare a residential care home with the huge value of one-to-one support in your own home. While there are more people on hand in a care home, our customers who’ve tried both say that it doesn’t compare with the personal assistance and support once receives at home either through a visiting carer or a 24/7 live-in carer.

Choosing care in your own home means you can eat at your desired times, enjoy your usual activities, wake up when you want to and have family and friends close by to pop-in when they want. The other major benefit is avoiding the stress and upheaval of a big move, especially a move away from your family home or from a partner that you have lived with for many years.

Additionally, care at home allows you to maintain your existing routines – whether you need support attending social events with friends, assistance with getting to and from the shops so that you can choose your groceries or even preserving your favourite hobbies such as visiting your local pub or going to the bingo hall. Your carer will be with you every step of the way and adapt around your needs, something which just wouldn’t be possible in a care home.

While care at home enables you to continue living safely and independently in familiar surroundings, it is also a cost-effective alternative. For the price of one care bed in a nursing home you can receive a personalised care plan that is created solely to meet your needs. The average cost of a care home bed is £1,200 per week as compared to a live-in carer where costs start from £1,075 per week.

It’s common for care needs to grow, and when they do grow it may be time to consider live-in care and the many extra benefits it provides.

Speak to our friendly team to find out more. They will talk you through how we go about matching you with a single carer who’s there to support at all hours of the day or night.

How is care funded?

How can I fund care for myself or a loved one, is a question we’re asked regularly. Understanding all of your funding options can make a big difference to the care you choose as depending on your personal circumstances, there may be public funding or benefits available to you, or other finance options.

Most of our customers fund their care privately or via direct payments. If you’re funding care yourself, we do recommend that you first research whether any benefits are available to you. We’ve provided lots of advice here to help you get started and point you in the right direction.

Cost of care: What are my options?

We understand that care funding can be confusing with complicated process’s, with many people unsure about the funds they’re entitled to and how they can access or use these.

Firstly, in order to distinguish what specific type of funding – healthcare funding or social care funding – you may be entitled to, it is important to make the distinction between the two types of care.

Definitions of social care and healthcare are somewhat ambiguous, and it is therefore important to explore all options and seek advice from medical or legal professionals to make this distinction where uncertainty prevails.

However, the below definitions provided by the National Framework for NHS Continuing Healthcare and NHS-funded Nursing Care should help to get you started:

Whilst there is not a legal definition of a healthcare need (in the context of NHS continuing healthcare), in general terms it can be said that such a need is one related to the treatment, control or prevention of a disease, illness, injury or disability, and the care or aftercare of a person with these needs regardless of whether or not the tasks involved have to be carried out by a health professional.

In general terms (not a legal definition) it can be said that a social care need is one that is focused on providing assistance with activities of daily living, maintaining independence, social interaction, enabling the individual to play a fuller part in society, protecting them in vulnerable situations, helping them to manage complex relationships and (in some circumstances) accessing a care home or other supported accommodation.

In the first instance, we would recommend contacting your local authority to see if they are able to cover some of the costs involved in your care plan. Individuals with income or savings above a certain threshold may not be able to claim relief from local government.

The Money Advice Service provides more information on how to find out if you are eligible for funding from your local authority – at the very least, you will be entitled to a care needs assessment.

Depending on ones personal circumstances, there are numerous ways to fund ones care needs. Whilst some people may decide to release the equity in their home in order to pay for the cost of care, others may consider purchasing an immediate needs annuity. We also get asked many questions around lasting power of attorney and other asset-related matters.

Call us today if you’d like some advice on your funding options. However, we do also suggest that you speak to a financial advisor who has care fee planning knowledge and experience.

Are you entitled to benefits?

Many people will be entitled to certain benefits from the state, which can go some way to paying for the cost of care. There are a number of different benefits available, including:

Pension Credits are a tax-free income related benefit for those over the age of 65 that is made up of two parts – Guarantee Credit and Savings Credit.

  • Guarantee credit provides a guaranteed minimum level of income by topping up your weekly pension if it is below a particular threshold, which changes if you are single or living with a partner. These amounts may increase further depending on individual circumstances. For example, if you are disabled then any addition will be assessed at the time of application.
  • Savings credit is an extra payment for those that have made some provision for their retirement, for example savings/investments or a second pension. The level of benefit for savings credit changes depending on whether you live alone or with a partner.

Depending on your situation, you may be entitled to additional funds, for example if your severely disabled or responsible for a child.

Attendance Allowance is a tax-free benefit payable to those aged 65 or over who need help with personal care due to physical or mental disability. It is paid at two different rates, which depends on how much care and support you require.

To qualify you must be aged 65 or over and at least one of the following must apply:

  • you have a physical disability (including sensory disability, for example blindness), a mental disability (including learning difficulties), or both
  • your disability is severe enough for you to need help caring for yourself or someone to supervise you, for your own or someone else’s safety
  • your disability is severe enough for you to need help caring for yourself or someone to supervise you, for your own or someone else’s safety

Personal Independence Payment (PIP) has replaced Disability Living Allowance (DLA), and is a financial benefit that can help with extra costs if you have a disability or long-term health condition.

You can get PIP whether you’re working or not.

  • Be between the ages of 16 and 65
  • You must also have a health condition or disability where you:
    • have had difficulties with daily living or getting around (or both) for 3 months
    • expect these difficulties to continue for at least 9 months

Council Tax Reduction means that your council tax bill will be discounted, dependant upon your circumstances. To qualify for this, you will be assessed on:

  • Where you live
  • Your circumstances including income, dependants, benefits, savings and pension
  • Your household circumstances i.e. your partners financial assets and income

Council Tax Reduction has replaced the Council Tax Benefit.

Continuing Healthcare (CHC) Funding

What is NHS continuing healthcare?

NHS continuing healthcare funding (CHC) is granted to those who have ongoing health conditions or care needs that require complex support or palliative care. It is a package of continuing care at home that is fully funded by the NHS and can be applied on a permanent basis or an unspecified, but typically short, period of time.

If you or your loved one have a disability or long-term complex care needs, you may qualify for free NHS continuing healthcare (CHC). Many people are unaware of NHS continuing healthcare, so it’s important to check if you’re eligible and arrange an assessment. NHS continuing healthcare can be provided in a variety of settings – including in your own home, hospices and care homes. In England, you have the choice of receiving continuing healthcare funding as a direct payment (known as a personal health budget), or having the NHS arrange care for you.

Continuing care funding eligibility

To find out whether you’re eligible for NHS continuing healthcare funding, you will need to be assessed by a team of healthcare professionals who will consider your needs in relation to:

  • The kind of help you need
  • How complex your needs are
  • Any risks that might arise if you do not receive the right care at the right time

It’s important to note that the criteria for continuing healthcare funding is not dependent on a particular condition, but on your assessed needs. This means that if your needs change over time, your funding may change over time, too.

NHS continuing care assessments

The first stage of determining whether you’re eligible for NHS continuing healthcare funding is an initial assessment carried out by a healthcare professional either at hospital or in your own home. Following this initial assessment, you will be told whether you meet the criteria for continuing healthcare funding, and if you are going to be referred for a full assessment of eligibility.

Full continuing care assessments should be carried out by a multi-disciplinary team made up of a minimum of two healthcare professionals from different care professions. This team will then assess your needs against the following areas:

  • Mobility
  • Breathing
  • Continence
  • Communication
  • Nutrition (food and drink)
  • Skin (including ulcers and wounds)
  • Psychological and emotional needs
  • Levels of consciousness
  • Medication
  • Cognition (understanding)

Once this assessment has taken place, your needs will be marked as priority, severe, high, moderate, low or no needs. You should expect to be eligible for NHS continuing healthcare funding if:

You have at least one priority need or severe needs in at least two areas

  • You have a severe need in one area plus a number of other needs
  • If you have a number of high or moderate needs (depending on their nature, intensity, complexity or unpredictability)

You should be fully involved in the process of completing your continuing care assessment, including being kept informed and having your views taken into account. Typically, you should receive a decision about your eligibility for a full assessment within 28 days of your initial assessment or request for a full assessment.

What happens if you’re refused continuing healthcare funding?

If you are not eligible for NHS continuing healthcare funding, you may still be entitled to other NHS services. These include:

  • Palliative care
  • Respite health care
  • Rehabilitation and recovery
  • Community health services specialist support for healthcare needs
  • NHS-funded nursing care

Alternatively, there may be local authority funding to meet some of your care needs. We regularly work with continuing healthcare teams and families who require both long-term complex care and palliative care. Our capability to form strong partnerships and respond with speed and professionalism gives confidence to our customers and the teams managing their cases.

If I’m eligible for NHS continuing healthcare funding, what are the next steps?

If you fit the criteria for continuing healthcare funding, the next step is to arrange a care package that meets your assessed needs. Depending on your situation, different options may be available, including receiving support in your own home.

If you’re considering care options and would prefer to remain living in the comfort of your own home, our live-in carers can provide tailored, professional help and support on a long-term basis. Our live-in care service is an affordable alternative to residential settings, and is also available on a short term respite basis.

To find out more on the benefits of live-in care, or to arrange a free care assessment, contact us today.

Healthcare Needs and Personal Health Budgets

Personal health budgets are an allocation of money provided by the NHS to support identified healthcare needs. These allocations can be given directly to the person who is looking to receive care and can be used to set up a package with a care provider of their choice.

Individuals who receive NHS continuing healthcare are eligible for a personal health budget. They provide the person receiving care with greater autonomy, flexibility and involvement in their plan of care.

People who qualify for a personal health budget can either use the money directly to organise care or work with NHS teams to identify suitable options. Many people who need care choose Curant Care because of our reputation for high quality care at home.

Personal health budgets work in a similar way to personal budgets, in that you are able to manage and pay for your own care – but they are not the same:

  • Personal health budgets are for your healthcare needs i.e. support with personal care
  • Personal budgets are for your social care needs i.e. maintaining hobbies

What’s next once you have a personal health budget?

When you approach Curant Care, you can expect us to work cooperatively with you and your NHS teams to establish budgets and an outcome-based care plan. Regularly working in partnership with healthcare professionals to organise NHS-funded packages, Curant Care welcomes the personal health budgets, which will see customers exercising more control over their care.

Here at Curant Care, we are passionate about the provision of person-centred care that matches the needs of the individual. When organising a package of care, our local care managers with specific expertise, conduct assessments with our customers to establish what it is that they want from our services – now and in the future.

We directly employ and manage experienced carers, who we match with our customers based on expertise and personality. Our carers, who are closely managed and monitored, are an essential part of our commitment to continuity of high-quality care.

To find out more about how we can work with you and your local NHS team to make this possible, please contact a member of the customer advice team on 01323 914499.

Social Care Needs and Personal Budgets

If you have social care needs, such as support with personal care, mobility or retaining your independence, you may be eligible for social care funding through your local authority. This is also known as a personal budget, as it allows you to be involved with decisions relating to your care.

This type of funding is means tested, which means you may have to contribute to – or completely pay for – the overall cost of your social care.

To find out if you’re eligible, it’s best to contact your local authority to ask for a financial assessment. Once completed, they will confirm how much money they are responsible for providing to fund your care.

Personal budgets and direct payments

If you are eligible to receive a personal budget, your local council will either:

  • Manage the budget for you
  • Pay the money directly to another organisation i.e. Curant Care
  • Pay the money directly to you or someone you choose – also known as a direct payment

You are also able to choose a combination of the different options above. For example, if you decided to set up a package of care with Curant Care, you could arrange for your local council to pay some of the money directly to us and send the remainder to you.

Direct payments enable you to decide your care provider of choice, liaise with them to set-up your care package and pay them directly. It means you can easily top-up payments if needed.

We accept both direct payments and payments made from your local council on your behalf.

What’s next once you have a personal budget?

If you are eligible for social care funding, we can advise on how this can be used to implement a complete package of support so you can continue living at home. Providing visiting care and live-in care, we’ll arrange a care package that’s unique to you, focussed around your needs and requirements – but always remaining mindful of your budget and future needs.

If you already have funding for social care in place and would like to organise a package of care, or if you would like to find out more about our role in the funding process, please don’t hesitate to contact a member of the customer advice team today.

Our dedicated team work directly with prospective customers and with healthcare professionals on a daily basis to help people right across the country embrace independent living.

To speak to a member of the team about social care funding, please call 01323 914499 Sussex. or 01622 322999 Kent

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