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When you have an elderly loved one, you want to be sure that the care you’re providing them with is not only to the highest possible standard, but also at an affordable rate. Money doesn’t grow on trees, and if you want their top care to be ongoing, it needs to be at a rate that is affordable for all. 

Doing your research into the different methods of elderly care is vital, whilst also looking at typical rates and working out which is the best option for your loved one, with everything taken into account. 

The cost of elderly care depends upon several different factors, including the type of care you opt for, where your elderly loved one lives, and the provider or home you’ve chosen together. Whilst rates shouldn’t vary wildly, they will be slightly different according to area and especially according to the type of care you opt for. For instance, full care in a care home is going to cost more than at home care once or twice per week. 

Of course, the cost of in-home care is also going to depend upon how many hours of care are required, the particular days (weekends may cost more) and whether continual care is required over bank holidays, as these will always cost more. 

There is also the option of sheltered housing/accommodation. Obviously this is going to be an expensive option, but it could be a good choice for your loved one. In this case, there are several main charges to pay attention to – the service charge, rent for the property, costs for heating, support from workers related to the house, care service costs (if applicable). 

The likelihood is, if you are in a large city, especially in London, you’re going to end up paying more than if you were in a lesser populated area. 

Average Elderly Care Costs at Home

It’s impossible to give a firm cost, because there are so many variables at play. If your elderly loved one needs support during the night then the cost is going to be higher than if they simply need a certain amount of support during the day, or even during a certain number of days. 

It’s a good idea to contact a few local options around your area and obtain a few quotes. Then you can pit them against each other and find out which one offers the best rate for the services that your loved one requires. 

To give you an idea of an average, for around 14 hours of care per week, you should expect to pay an average of £14,000 per year. Obviously, if your loved one needs full time care then the cost is going to be twice that amount. Again, this could be more if your loved one lives in London or in a large urban area. 

If your loved one has complex needs and requires a carer to be around on a live-in basis, the cost is going to be significantly higher. However, this is still likely to be less than the cost of a care home and also allows your loved one to maintain their independence within their own home. The option you go for needs to be discussed carefully with your loved one, based on their needs and their wishes. The decision has to be theirs, wherever possible. 

Based on costs in 2016-17, a carer on a live-in basis around the clock would come to around £83,000 per year on average. 

The only way to find out a specific for your particular circumstances is to obtain quotes, but these numbers should give you an idea of what you’re looking at. Obviously for daily prices, you should just divide these numbers accordingly. 

If your loved one requires particular medical care, that is going to push up the price. If your loved one doesn’t want a live in carer and simply wants a carer who will call into the house on a set number of days, the cost will be lower and can be arranged according to their needs, e.g. times and days to suit their particular requirements. 

Choosing The Right Type of Elderly Care

Making the decision can be a tough one and that’s simply because there are so many different routes you can go down. However, it’s vital that you ensure your loved one is included in the discussions and that, as far as they possibly can, the decision is theirs. If your loved one is completely against having a live in carer, you cannot force this upon them. Your loved one should have their dignity and needs put before everything else.

Many elderly people choose to have care at home because it allows them to stay in their own home and therefore helps them to feel more secure and more confident in their own surroundings. However, that’s not the case for all elderly people; some prefer the idea of going into residential care. You have to have the discussion with your loved one in the most sensitive way possible, and you should respect their wishes at all times.

Of course, cost does come into the equation. By asking for quotes from various different providers you can find the best option for all concerned. However, that doesn’t mean you should always go for the cheapest option if it doesn’t give your loved one the care and support they need. Always make sure that you’re getting what you need, even if that unfortunately means you need to pay a little more in order to get it. Your loved one’s quality of care is the most important thing. 

The decision is a tough one and it’s not something which can be decided upon over night. By taking your time and assessing all options, you can be sure to make the right choice for your loved one and for your budget too. The options in front of you are quite vast, but again, that is a plus point because it means there is something there for everyone.