Domiciliary Care Cost

Domiciliary care is a home care service offered to individuals who need quality and regular assistance in their homes. Despite being a highly supportive service, it is not provided for free. It incurs varying costs, depending on the body organising the service. While the price for home care differs, the mode of payment differs. Read further to understand the costs, payment means, and other factors surrounding domiciliary care funding.

How Much Does Domiciliary Care Cost?

Just as earlier iterated, domiciliary care costs vary because we have user tailored packages. Contact us for more information.

Ways Of Funding Domiciliary Care

Dom care in the United Kingdom can be catered for through three means. They include:

  • The Local Government – The local government financially handles the service needs. This financial aid can either be total or partial funding. However, the local government assistance eligibility is confirmed through a needs examination or test.
  • Personal Catering – This entails that the individual receiving the care financially caters for the service. Their family can also cover the costs. They either pay partly or wholly.
  • The National Health Service – The National Health Service can also fund part or all of a patient’s domiciliary care. But, the individual’s eligibility depends on certain requirements.

Funding By The Local Government

Before the local authority funds a domiciliary care for an individual, such individual would be put to a needs test. The needs test is to discover if the individual needs care at home. If the individual is found eligible for the care, the local government would have to assess the individual financially to know how much contribution such an individual should make to cover for their care. This examination is done as a valuation of their assets and savings. Also, an individual who is single and has passed the qualified age for a Pension Credit would be allowed to earn £189 weekly. This weekly eligibility is called Minimum Income Guarantee.

The means scrutiny is performed over three primary tiers, explained below.

  • If the individual has savings and assets worth over £23,250, such an individual would be asked to take care of their expenses by themselves. Notably, the limit in Wales is £24,000.

  • If the individual has savings and assets worth between £14,250 and £23,250, such one is qualified to receive some financial aid from the local council. The assistance can come as pensions and a tariff income which depends on their savings and assets. The tariff income is calculated by presuming that the individual has an additional £1 weekly in revenue for every £250 (or part of) they have between the above-listed thresholds (£14,250 and £23,250) of their savings and possessions. Notably, the individual would still partly fund their dom care service.
  • If the individual has assets and savings that are not worth up to £14,250, the local governing council would financially help the individual. However, the individual would still be required to make some payments from their savings. The only difference is that the individual would not be asked to pay the tariff income.
Funding By The Local Government

It is also interesting to note that Northern Ireland and Scotland offer completely free domiciliary care to those found eligible through a needs test. In essence, they do not carry out means tests. However, other lines of support may attract charges.

Also, on a general note, everyone who qualifies for funded care by the local governing council would be given a unique budget. The essence of the budget from the council is for the individual to handle their care requirements and make their choices concerning their care services.

Personal Catering

Personal catering for one’s dom care does not apply to everyone, as criteria are attached. In Wales and England, individuals would have to fully cater for their care cost if they fall under any of the conditions listed below:

  • Their assets and savings are higher than the means assessment limit for financial care support. In this case, their home worth is not added among their means.
  • Their earnings can cater to their home care payments without putting them below a certain minimum earning threshold.
  • After a needs test, their needs are not severe enough to gain them the council support.

As one who needs home care, if you have to fully pay for your home service, there are different means of catering for your financial needs. They are outlined below.

Personal Catering
  • Your stakes and savings.

  • Your earnings from work.
  • Pensions.
  • Earnings from your equity.

  • Your entitlements like attendance allowance.
  • Property releases. Property releases can aid in unlocking cash from the worth a property has.
  • An immediate care annuity. This scheme can aid you in handling dom care payments for a long time.
  • It can be helpful when you sell your home to buy a smaller size. You can use the profit to cater for your dom care.
  • Monetary aid from loved ones, well wishes, and family members.
  • Renting out an apartment from your home or landed property. You can raise some funds through this means and comfortably finance your dom care.

It is important to note that you might not finance your domiciliary care all by yourself for a very long time. Immediately your assets value below a particular threshold; you can be eligible for government assistance. However, the limits in every British nation differ. Once your assets are lesser than the lower limit, you can reach out to your local council so they can conduct another assessment examination. They will discover the aid level you need to receive through the check.

Funding By The National Health Service

The national health service can also cater to an individual’s care fees under some conditions. The national health service supports only individuals who have complicated medical conditions. They do not conduct means assessments.

Why Do I Need a Needs Inspection?

Even if you do not meet up to the requirements for financial assistance, you still need to undergo a needs check for some reason. They are listed below.

  • The inspection helps you to recognise your needs properly.
  • The local administration will detail the spectrum of services that fit your needs.
  • Whether you qualify for assistance or not, you can request that the local governing council support you by setting up care services.
  • The test can be instrumental if you experience a needs change later on.

FAQs

Do You Have to Pay for Domiciliary Care?

Yes, you have to pay for domiciliary care, and while these services might not be as cheap as you expect them to be, they are still affordable when you consider their benefits.
Some of the ways you can pay for domiciliary care include self-funding and government assistance.

How Much Does 24-Hour Care at Home Cost UK?

There are several domiciliary care agencies in the UK, and their prices would differ based on the number of individuals that need care and the kind of care you require.
However, the average you should expect to pay for 24-hour care is £1,075 every week for a single patient and £1,375 for couples.

How Much Does a Private Carer Cost UK?

Just like 24-hour care, the cost of private care differs as well, but the average price you can expect to pay for a private carer is £15 per hour.