Are you considering care at home in Wales?
Care at home, otherwise known as domiciliary care, enables you to continue living independently while receiving support from an hourly carer. If your care needs require more attention, you may still be able to live at home while being supported by a live-in carer or an overnight care package.
Planning how to pay for care at home or home help services can certainly be challenging, particularly if you anticipate needing time-intensive care. But the fees may not always be what you expect. For example, let’s say you need 30 hours of care per week. In this case, you may discover that it’s more cost effective to arrange live-in care, than to pay on an hourly basis.
We’ll help you understand your options, including whether you may be eligible for local authority funding.
Care at home in Wales: putting together the right home care package
Based on your individual requirements, your care at home package may include care from one or both of these categories:
- personal care: qualified care assistants provide support with washing, dressing, dining and socialising
- nursing care: registered nurses provide support in the same areas, as well as with specialist medical requirements
Home care in Wales may enable you to continue living at home and receive support with:
- Domiciliary care, including home carers and personal assistants
- Pre-prepared meals brought to your home
- Day care at a community provider
- Aids, equipment or home adaptations
- Respite care
- Night-sitting services
- Community transport
- Preventative and rehabilitation services, including reablement (a temporary care package typically lasting up to six weeks)
- Help finding sheltered or supported housing
- Support with psychological, social and cultural needs
- Some NHS services
You should also be able to access advice and information about services, welfare benefits and luncheon clubs, free of charge. (See note 1.)
How much is care at home in Wales? How do I pay for social care?
The recommended hourly rate for care at home in £17, according to the NHS. This varies by location. (See note 2.)
Social care is not free, but the Welsh Government caps the amount you may be charged for home care or home help services. On a weekly basis, local authorities cannot charge you more than £80 for care.
Regardless of your financial situation, the value of your capital (including your savings and investments, but not your property) cannot drop below £24,000 while you pay for care at home. (See note 3.)
You should budget at least £30,000 per year for full-time care during the day, according to the Money Advice Service. (See note 4.) Again, this will vary depending on where you live and the type of care you require, as well as when it’s required.
But what if you require 24/7 care at home? Round-the-clock care can easily exceed £150,000 per year, on average. If that’s the case, you may decide that a care home is more cost-effective.
Depending on your circumstances, you may still be able to pay less for a live-in carer. Some introductory agencies, who connect you with self-employed carers, can cost significantly less.
Are you comparing the cost of in-home care with the cost of a care home in Wales? Learn more about care home fees in Wales.
When considering how to pay for care at home, you should check if you qualify for funding. This starts by arranging a care needs assessment through your local authority. The assessment reviews your daily support requirements and is designed to reveal whether care can be provided in your own home, or whether you would benefit from support in a care home setting.
Don’t forget: you must do the assessment before you arrange any at-home care contracts. If you don’t, and proceed to arrange care, you may lose out on possible funding.
If you’ve reached the stage where you’re considering how to pay for care at home, you may also benefit from advice on how to broach the subject of care. From helping arrange funding, to helping your loved one prepare for the transition, each stage of the care journey can be made a bit easier thanks to your support and compassion.
Last updated 06 July 2018