More and more individuals and their families are now turning to a home care agency for support and care provision. In this guide we give you all the information you need to help you pick the right provider for you or a loved one.
In this section we explore the support home care assistance provides and offer useful, unbiased information to help you to decide whether care provided by domiciliary care agencies is suitable for you.
Most home care agencies will provide hourly care or 24 hour care. Wher you have a carer live with you for 24 hours this is known as live in care. Here is a short video explaining how it works.
Home care companies provide home care support through a bank of staff vetted and employed by them.
They are usually dedicated to providing a certain type of care, whether that’s companionship and everyday tasks such as shopping and errands, or more intensive care provision, including personal care.
You may also hear home care assistance providers called, ‘home healthcare’, ‘home care providers’ or ‘domiciliary care providers’.
Home care agencies usually offer a range of care. They should match a carer to you based on your individual needs, and will try to take into account any personal preferences or religious requirements you may have.
Even if you have intensive care needs, there may be homecare agencies in your local area who offer specialised support which cater for you.
If you want to use home healthcare, we recommend a set structure when choosing a domiciliary care provider:
Once you’ve shortlisted the care agencies you feel appear to be the best for you, you can contact them to organise a meeting.
There are of course homecare costs involved in accessing the support home care companies provide. Normally homecare, or home healthcare, is charged at an hourly rate – usually anywhere from £15-30 per hour. Home care costs will depend on the care company you choose and the type of care you need.
You can read our detailed guide on home care costs here.
You may be able to pay in advance for your care on a ‘retainer’ basis – this means that you pay upfront for a month in advance.
Direct Debit plans may also be available, allowing you to ‘pay as you go’ each month without having to worry about receiving bills. It’s not normally common to pay by the hour, unless you receive care on an ad-hoc basis.
It’s also uncommon to pay the individual who visits you and administers your care, unless they are working privately as a freelance carer.
As with any type of care, it’s a good idea to work out your prospective homecare costs before you access care or embark on the process of choosing a care provider.
If you a struggling to fund your care, you can also use certain benefits (and your pension if applicable) towards the cost of support provided by a home care agency.
There are 6 main ways in which you can fund your care, whether that be residential or home healthcare through a private home care agency. We have produced a guide to the ways in which you can pay your care fees. We would recommend strongly that you read through this.
In addition, Attendance Allowance (available to over 65s) is specifically designed to pay for care in the home. Payments of Attendance Allowance are tiered – starting at £55 and rising to £82. This type of benefit is not means tested – the amount you receive will depend on how severe your care needs are and how frequently you require care assistance and support.
The simple answer is Yes. Equity release is increasingly a very popular option when it comes to paying for your home care costs. The main advantage is that it gives you a tax-free lump sum and allows you to live in your own home.
Here is a short video that explains how equity release works.
You can try the calculator button to see how much money you could get.
Mostly, homecare agencies offer support for people who with varying care needs, from low-level assistance weekly with shopping or housework to more intensive care support involving help with mobility and personal care (feeding, washing, dressing and toileting).
Generally speaking, the home care support an agency will offer are not suitable for those who need specialist nursing care or medical attention, or people with severe mental health problems including late-stage Dementia. Unfortunately residential care is often the only viable option in these circumstances.
To find out whether support offered by in home care providers are right for you, there are a number of steps you need to take.
Firstly you’ll need to obtain a care needs assessment. You can do this by speaking to your GP, consultant or social care worker. They’ll arrange for an assessment to be made by a medical professional which gives a detailed idea of what you’ll need now. It may also give recommendations for the future.
Once you have a care assessment you can search for home care providers in your area who will accommodate the needs you have.
Choosing can feel like an overwhelming prospect when you are faced with a large number of care agencies, all appearing to offer similar services, all claiming to be the ‘best’.
If you want to spend the time and do things yourself, we have produced a guide to help you through the process – It’s called the 5 steps to find a care agency.
If however, you decide that going in to a care home is the right option for you, then here is our short video that sets out the 5 steps to finding a care home.
Health agencies normally take on staff who have a genuine interest in helping others, and a caring attitude. Mostly they require experience in a care giving role of some sort, whether that is in childcare, or in a nursing home.
Everyone you come into contact with through a care agency should be DBS (Disclosure and Barring Service) checked and approved, and should have relevant training if they are going to be lifting or carrying out specialist activities. Some carers may be medically trained – these are usually healthcare assistants or nurses.
The best way to ensure that the care agencies you are considering are reputable is to check online for reviews, or ask around to see if anyone you know has had an experience with them previously (good or bad).
Word of mouth testimonials are the only sure way to know that the service you’ll get will be as good as you expect it will be.
You can also check the official reports made by the CQC (Care Quality Commission), and ask if the care agencies you’re considering are members of the UKHCA (UK Home Care Association). There’s more on this below.
Yes. a home care provider is subject to checks in the same way as residential care homes are.
The UKHCA is the official regulatory body for care agencies in England, Scotland and Wales. Membership isn’t compulsory, but it is therefore the sign of a responsible reputable private care agency. Home care agencies vetted by the UKHCA are subject to strict, frequent checks and must attend training in order to maintain a high standard of care.
All agencies are also subject to regulation and inspection by the CQC (Care Quality Commission). This is the official body which also assesses care standards in nursing and residential homes.
Each company has a slightly different process – but broadly the following should occur when you contact a private care agency.
If you feel you have been treated badly or unfairly by an agency, or their conduct has not been as you would have expected, you can complain to the CQC.
This article was written by Rose Walters a published writer that has written on a range of care related topics. Rose writes from a lot of personal experience and is able to bring this in to the writing alongside the specialist knowledge she has on these topics.
Use Equity Release to pay for your care costs
Equity release is increasingly a popular way to take cash out of your house TAX-FREE to pay for home care costs or to modify your home to enable you to stay.
Home Care costs can easily exceed £100,000
Don't waste your money. We strongly recommend that you speak to an advisor that specialises in different ways to fund your care fees. That way you can ensure you dont pay any more than you need too.