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.

Live-in care costs include 24-hour personal care

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.

Live-in care provides the most cost-efficient tailored care

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.

Mumby’s Live-in Care is fully managed to take the worry out of hiring carers

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?

The cost of live-in care is based on the client’s needs

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 live-in care costs compared to local care homes

Mumby’s fully managed live-in care costs start from £1375 per week 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. You pay the rate of a couple, not a care cost per person like care homes.

In the South East, the cost of live-in care is typically in line with a residential care home and sometimes they are less. Care home prices in the South East of England can cost up to £2000 a week per person. 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 and personal care are minimal and only really happen when nurses are on rounds. With live-in care, your money goes directly to services tailored to your loved one’s support needs. Your loved one will never be left waiting for their carer to come round and the client and carer have the opportunity to really get to know each other and build a solid friendship.

How live in care costs are managed

We conduct a free no-obligation care needs assessment. 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.

Your account is managed on your preferences

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. With live-in care, you will also consider that your loved one keeps their home which is an appreciating asset.

Care funding is means-tested

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.

Will your parent’s home have to be sold to pay for their care?

Your home will not be included in the means test if you receive care and support at home.

If you move into a care home on a short-term or temporary basis, or permanently and your partner still lives there or in certain circumstances a relative, your home will also not be included.

State benefits available

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.

Read More at our Guide to Funding Live-in Care

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

Give live-in care a try without a long-term commitment

Our live-in care 2-week trial allows you to try our outstanding live-in care and make an informed decision for your loved one without any long-term commitment. Book a free care assessment.

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





Why choose Mumby’s live-in care?

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