One of the most common worries for our clients and their families is how they are going to pay for care. Because although we are by no means the most expensive live-in care agency (and cheaper than most good care homes) for our quality, care (and live-in care) is still expensive.

 We are addressing the issue by sharing a series of case studies, examining how clients pay for care.

 Annie is a client of ours. She is elderly and frail but doesn’t want to go to a care home. She wants to stay at home.

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Both she and her family feel that she needs someone with her, to care for her full-time. So she has a live-in carer from Christies Care, which costs her £625 a week.

 When the decision was made to get a live-in carer Annie had her care needs assessed by the Local Authority (everyone is entitled to be assessed; however rich or poor they are). Because her savings are minimal, she qualifies to have her care paid for by the Local Authority. The Local Authority assessed her as needing 15 hours a week of help – no more. They wouldn’t pay for live-in care.

 So, she asked for direct payments and receives £225 a week from the Local Authority. She uses this money to pay a contribution towards the costs of a live-in carer from Christies Care. Annie’s children pay for the balance, agreeing that the £400 a week they contribute shall be taken from the proceeds of the sale of her house when she dies.  Although her house is worth about £400,000, her debt to her children means that they won’t have to pay inheritance tax when she dies.