Live-in Care Cost and Funding

Contrary to popular belief, live in care costs are comparable to nursing home care costs, but you get so much more for your money.

Live in Care Cost and Funding

Live-in care offers excellent value for a carer that is dedicated entirely to your loved one. Most importantly you pay for the care you receive and not hotel-type services such as accommodation, food, water and amenities or the shared care services of a multi-occupancy nursing-home.

You have a dedicated one to one carer who will flexibly and compassionately support your loved one. Your live-in carer is there for your loved one and to attend when they require help not when they fit into their shift. There is no waiting for the nurses to come around in the morning. Your loved one can have their breakfast or assistance to get up and dressed when they want it.

If you want access to a bespoke care solution, live in care is easily the most cost-efficient way. It is 100% focused on the needs of your loved one allowing them to continue to live at home safely. Your loved one maintains their lifestyle with their partner or pets, as well as continuing social activities and daily routines.

At Mumby’s, you also benefit from a fully managed service so you don’t need to worry about hiring carers and overseeing the care they provide. Mumby’s is regulated by the Care Quality Commission (CQC) and has achieved an outstanding rating.

How much does live-in care cost?

Of course, you will be wondering how much does in home care cost. It is an important factor in your care choice. The weekly cost of live-in care at Mumby’s is based on the needs of the person receiving care and whether they have any complex conditions, such as Parkinson’s or dementia care, that require specialist care. We conduct a thorough assessment of the support they require. We then confirm an inclusive weekly fee for the most suitable live-in care for your loved one. This is a completely transparent process with no add-ons for extra services.

Mumby’s fully managed live in care costs start from £1285 for a single person.

We offer three levels of care up to high-dependency so that clients with even the most complex of care needs can enjoy the benefits of live-in care.

Live in care for couples enjoys a highly cost-effective rate of care.

In the South East, the cost of live-in care is typically in line with a residential care home and sometimes they are less. You will find that much of the nursing home’s fees are for the services similar to a hotel including accommodation, food, water and amenities. The actual ‘contact’ hours are minimal and only really happen when nurses are on rounds. With live-in care, your money goes directly on services tailored to you.

How live in care costs are managed

When we go through our care plan with you we will also go discuss our invoice and payment process. All we will need is an invoice address to send our fee for services provided.

We usually invoice weekly for care as we pay our carers weekly. However, if you would prefer to receive invoices bi-weekly or monthly this can easily be arranged. We tailor every aspect of our care to suit you even the finances.

You can pay for your care via Cheque, BACS transfer or via standing order. We do not have a direct debit mandate set up.

Live in care costs and funding available

Paying for care in later life is a concern for lots of families. Knowing what the government will contribute to and finding the most efficient way to fund care can be confusing.

There are four main ways people pay for their care; Savings, investments, a care annuity or a release in equity. Currently, care funding is means-tested in the UK at a level of £23,250. In theory, if you have assets over £23,250 you will need to meet your own care costs. If you are especially unwell the NHS may meet a sizable percentage of your care costs, known as continuing healthcare.

There are state benefits available that are non-means tested and tax-free. If you are under 65 and looking for help to fund live-in care you may be eligible for The Disability Living Allowance. This is being replaced by The Personal Independence Payment (PIP) of £23.60 and £151.40 per week depending on your level of need.

If you are aged over 65 you may be eligible for Attendance Allowance. They are paid at a lower or higher rate and the current rates are £59.70 and £89.15 per week, dependent on whether you need 24-hour help.

For more information, help and guidance download the cost and funding guidance from the Live-in Care hub.

Our Services

  • Light domestic duties

  • Offering companionship

  • Aid with reading

  • Help with writing letters

  • Organising mail

  • Care for houseplants

  • Outings – social and appointments

  • Support for pets

  • Medication administration

  • Support with rehabilitation and physiotherapy exercises

  • Provide reminders/arrange appointments

  • Menu planning/shopping

  • Preparing meals

  • Assistance with eating

  • Monitoring diet and nutrition

  • Personal care/grooming

  • Continence assistance

  • Mobility assistance

  • Assistance learning new skills and training

  • Adapting to any physical limitations