Financial considerations when arranging home care
The financial side of arranging care can feel intimidating. It does not need to be. A few clear steps go a long way.
Start with a financial assessment
Derbyshire County Council offers a financial assessment to see whether your relative is eligible for local authority support with care costs. Even if you expect to pay privately, it is worth asking.
Check for attendance allowance
Attendance allowance is a non-means-tested benefit for people over State Pension age who need help with personal care. Many people who qualify never claim it. It is worth checking.
Compare like with like
When comparing providers, ask about the full cost, not just the hourly rate. Include travel, weekend rates and bank holidays. A slightly higher rate with steady carers can be far better value than a low rate with a rotating team.
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