Either assisted in your own home and being looked after by someone or having moved to a care home.
Before that day arrives you’ll wish to speak to a financial advisor to be sure you fully understand he pros and cons on any decision you need to make.
Especially when it may involve a large percentage of your pension payments or indeed, your very own home.
- Receiving care at home:
Being permanently moved to a care home, whether of your own wish or not cannot be an easy decision to make. Until then, let’s see if remaining at home can be a solution. You don’t need to leave your house to receive care and support. Home care is perfectly normal and while expensive ensures you remain the most independent and pretty much in control. Tips and advice on home care are all well and good but what options do you have?
You need to sit down with a friend or family member and discuss all your needs and write down what level of support you actually need. You may actually find you don’t need any at all.
Your home as it is may need slight changes, no slip mats in the bath, handles for easy access, steps removes, mobility chair or kitchenware bought that your hands can pick up without endangering yourself.
Additionally you may need help getting out of the bath or assistance in reaching the shops or post office. Perhaps a weekly cleaner or meals delivered.
These services can be provided externally and for a few hours a week or per day. Information is available from local support groups and council, as well as NHS and government.
- Nursing / Care Home services:
Shopping for a care home is not much different to shopping and comparing any other services. there are always buyer beware signals and the chance to gain recommendations from the inmates (joking) and the family members. Now you’d be right that nursing homes do not always get the best of reputations, if you go by snippets in the local and national news, let’s figure that out.
Care Home Services
Residential care homes have their upsides and downsides.
If you are to move to a nursing home, care home, or a retirement village that has a significant tilt towards caring for the inform or those with a disability or going health problem, then you are going to want to ensure the services and care offered are second to none and are in no way similar to those portrayed on an episode of Law and Order.
The typical concerns that will arise will be;
- Will a care home room be similar to living in your own home?
- Will you have more than just a room to yourself?
- How good are the meals?
- Is there an official lights out time?
- Can you come and go as you please?
- What is the current community like?
- Is it clean? Is it noisy? Is it cramped? Only a visit is really going to stop you asking endless questions but you could visit the Care Quality Commission’s website (CQC).
The CQC visit every single nursing home, retirement home and care home in the country and provide a report and statistics on each. They review regularly the performance of each and visit when they least expect it to make as sure as possible that residents, people, are getting the care they deserve.
It’s a guide at least to answer some of those questions that will niggle you and ensure you don’t need to visit them all to find out which should make the list.
Care homes can be run by large companies, much like the way insurance is offered. This should make them cheaper as the company itself will buy in the products and supplies it needs to run homes on bulk purchase.
Though location will have a huge bearing on those costs too, for the supply of labour such as carers and nurses. as well as local taxes put on them by the local council. Therefore you will need to compare care home fees across many tangents and services do differ widely.
For instance some care homes go the premium route, you may get a larger room, entertainment on tap, a more secluded area with larger grounds and great views.
As opposed to smaller room, smaller community area and lesser facilities. When choosing a care home over home care, you can get a period where you can trial it before selling your home outright.
After all, it may not be for you. It is nice to be around other people but it is also nice to remain in your own home too.
Long Term Care In Your Own Home
Leaving your own home while you still have your faculties is something you are probably not ever going to allow to happen.
You’ve been in the community for many years, you know your neighbours, your family and friends pop in unannounced, it’s just the way you like it.
They don’t call it home for no reason! You also paid your mortgage off for a reason, so that when you reached retirement age life was a lot cheaper expenses wise and a lot less hassle.
Why would you then move to a retirement home? Care at home can be less expensive, by at least half.
If the local authority acknowledges your requests and provides a level of care and financial support this could open a whole world of services to you.
From meal delivery, care worker visitations, automatic acceptance for upgrades to your home such as support rails and safety improvements, as well as daycare services and trips to groups to spend time with others.
Additionally the concerns about being able to pay for care while staying at home may be answered too, simply by investigating thoroughly the options you may have on benefits from the government, local authority, NHS with CHC and pension related insurance annuities with enhanced rates.
Remaining at home may see you need to contribute some money to your own care. but others may argue that is much better than selling your home to gain full benefits and moved into a nursing home.