Financial Planning for Long-Term Care with Call2Care Solutions
Planning for long-term care is essential to ensure you or your loved ones receive the necessary support while maintaining independence and quality of life. At Call2Care Solutions, we provide homecare, also known as domiciliary care, offering flexible and cost-effective solutions for both temporary and long-term needs.
Understanding the Costs
The cost of domiciliary care services in the UK typically ranges from £18.00 to £30.00 per hour. The actual cost will depend on the level of care required and the provider. Sometimes, the local council may contribute to the cost, making it more affordable.
Types of Homecare Services
Understanding the different types of homecare services available can help you make an informed decision:
When to Consider Homecare
You might want to consider homecare if:
How Homecare Can Help
Homecare services can assist with:
- Getting out of bed in the morning
- Washing and dressing
- Brushing your hair
- Using the toilet
- Preparing meals and drinks
- Preparing meals and drinks
- Doing your shopping
- Collecting prescriptions
- Getting out to social activities
- Settling in the evening and preparing for bed
Arranging Homecare
Through Your Local Council
Your local council can arrange homecare if you’re eligible. Start by requesting a care needs assessment. This assessment will help determine if you qualify for assistance.
- Eligibility: If eligible, the council will recommend homecare services and arrange them for you.
- Non-Eligibility: If not eligible, the council will still provide free advice on where you can get help in your community.
You can apply for a needs assessment on the GOV.UK website.
Arranging Your Own Homecare
Even if you plan to arrange homecare yourself, a needs assessment is beneficial. It will help you clearly communicate your needs to the agency or private carer.
Paying for Homecare
You’ll generally be expected to contribute towards the cost of social care. The amount depends on your income and savings and is determined through a financial assessment (means test).
Personal Budgets and Direct Payments
If eligible, you’ll receive a personal budget from your local council, which can be managed in different ways:
- Council-Managed: The council arranges and pays for your care.
- Direct Payment: You receive the budget to arrange your own care, providing more flexibility.
The Benefits of Direct Payments
Direct payments allow you to hire care workers or personal assistants who:
- Are consistent and reliable
- Speak the same language
- Have experience with your specific care needs
- Are recommended to you
- Help you with social activities
Most councils will ask for evidence of how you’ve spent your money every three months.
How to Apply for Direct Payments
You can ask your local council’s social services department about direct payments. The council will provide the money in your personal budget either directly to your bank account or via a pre-paid card.
Complaints and Appeals
If you disagree with the results of your needs or financial assessment, you have the right to complain. First, speak to your council’s social services. If unsatisfied, you can escalate your complaint to the Local Government Ombudsman via the Local Government and Social Care Ombudsman website.
Conclusion
Homecare services provide a valuable alternative to residential care, offering flexibility, personalised support, and the comfort of staying in your own home. Proper financial planning and understanding your options can make domiciliary care an affordable and effective solution for long-term care needs.
For more information on how Call2Care Solutions can support your homecare needs, please contact us at hello@call2care.co.uk or call us on 0333 006 4816.
