When you have got a loved one at home who requires additional care, then getting outside help can work well here. After all, you might not always have the time to take them to medical visits or even provide them with the care and attention they require at home. When you get professionals to offer them home care, they will have better living conditions, and their medical conditions will also stay in check. But with these advantages also comes a good price tag for professional assistance. No matter what care agency in Liverpool you decide to trust for your loved one, they will charge you a specific amount for the service. Now, here, how much you will end up paying will depend on where you live, the type of care required, your savings and properties and the care home provider.
So, let’s discuss the average care home fees and how much you can expect to pay. This will help you make important decisions about your own or even the care of your loved ones.
Cost of care homes in Liverpool
Just so you know, in a care home, you will find nursing care a lot more expensive than residential care. Here, you will find an average weekly cost of residential care to be around £1160. This is in case you are not a self-funder. While the average nursing home cost if you are not funding your own care will be £1410 per week across the UK.
In contrast, if you are paying for your own care, then you will end up getting an average monthly cost of residential care of around £4640. However, nursing care in a care home costs you £5640.
This breakdown clearly indicates that residential care for a whole year, which is 52 weeks, will cost you an average of £60320, while nursing care costs will be an average of £73320 a year. But keep in mind that care homes that provide specialised care like that for dementia will normally charge higher fees. Here, residential dementia care will cost you around £1205 a week, while nursing dementia care will cost an average of £1447 a week.
Keep in mind the average cost of home care in Liverpool varies a lot depending on the services and the care home you are trusting for the professional service. So it’s always better to research it all and compare the options to make a good choice.
How much will you have to pay?
Now that you know how costly the Home Care services can be, you must have this question as to how much you will have to pay. Well, depending on how much you have in the savings and other assets, you might have to pay for all the care yourself. This is clearly determined by a financial assessment, which is known as the means test. Here, it is carried out by your local council following a needs assessment.
The means test aims to look at your capital to identify how much money and assets you have and how it will affect your care home fees. Further, the local authority will also look at things like the value of your home, private and state pensions, interest earned from savings and other benefits. Keep in mind if you have more than the upper capital limit, then you will have to pay full care home fees.
Now if a care home or its services is funded by your local authority but the cost of the care home exceeds this then a 3rd party such as a relative can pay for the remaining cost. This is known as a top-up fee. This gives you the option of choosing a care home that is suitable for your needs rather than what you can actually afford.
What is included in care home fees?
Besides the location of your home, the care home cost also depends on the services you will receive and the level of your needs. For instance, if a person is living with dementia, then they will require a higher level of support and care than someone without dementia. This is why nursing homes are more expensive than regular residential care. Keep in mind people living in nursing homes receive a higher level of care than residence level. In care homes, help is available 24 hours a day. So, on top of the care cost here, the fees also include laundry, accommodation, meals, heating, and other utility costs.
Conclusion
No matter if you are looking for a care home for your loved one or for yourself it’s always better to trust only the best. In case you want to avoid the difficult search process you can directly get in touch with Caremark. They are the most renowned care home service providers. They have skilled and specialised professionals who can take good care of the residents. They offer timely support and love one needs when suffering from a medical condition. They will ensure everyone’s happiness and safety throughout their services.
