Live independently at home with outstanding live-in care

Established in 1987, Christies Care is a family owned and run live-in care agency. Rated outstanding by the CQC and registered with the Scottish Care Inspectorate and the Jersey Care Commission we have grown to be one of the largest providers of 24 hour, 7 day a week care in the UK.

Call 01728 605 107 or message us to find out about our live-in care.

How can you pay for live in care?

Almost anybody who owns their own home can afford live-in care. In fact, even if you don’t you may well be able to afford live-in care.

No longer is it a case of “the only way I can pay for care is to move into a residential home and sell the house to pay for it”.

If you have plenty of capital

We strongly recommend that you talk to a financial advisor about how to use your capital most effectively – before you spend too much.

To be able to advise on care matters, the financial advisor should be SOLLA qualified.

If you have your own house

You can get an interest only mortgage on your house if you are 60 or over.

Borrow the amount you think you might need (say six months’ worth of care fees at a time) plus a little more to cover interest. Interest rates at the moment are below 5%.

When you die your family still owns the rest of the house.

You get a lump sum and lose your house. Expensive, but if you are likely to live for much longer than your age forecasts, you win, as they can’t kick you out.

Look at the benefits you can get anyway

Free and is not means tested.

You may qualify for some help from the local authority but many people have too much free capital (over £23,250), or do not have what used to be called “substantial” care needs. Therefore a lot of people have to pay their care costs without local authority financial help. If you think that you do qualify for local authority help, it is important to contact them as soon as possible.

If the local authority does contribute, remember that you do not have to move out of your house. And if you, or your dependants live in your house, the value of your house is not part of the assessment.

If one spouse is more dependent than the other, it might pay that the dependent spouse pay for the majority of domestic and care costs – if there is the possibility of becoming eligible for local authority help.

If you can take over for a few hours a day, or longer over the weekends perhaps, you will cut the cost of providing cover for a break for the live-in carer.

If you can provide a week of care, or more, from time to time, you will reduce the annual cost of care significantly.

We think it is important to have a properly documented loan agreement, to be a debt against the estate on death, and to ensure agreement between siblings.

Paid directly to a care provider, it is not subject to tax in the hands of the client, and can pay a generous amount, depending on the health of the client.

If a client has an impaired annuity and becomes eligible for NHS continuing health care (free of any means test), it is important to have terms so that the annuity can be paid to the client instead of the care provider (it will then be subject to tax but you will at least get that income).

This is a complete package of services arranged and funded by the NHS which can be provided in various settings including your own home. The service is free and not means tested.

Not everyone who has ongoing health needs will qualify for CHC but there are times when a person’s eligibility should be considered:

  • If you have a rapidly deteriorating condition which may be terminal;
  • When you are about to be discharged from hospital, particularly if you need permanent full time care at home;
  • When your personal care needs are reviewed;
  • If your physical or mental health decreases rapidly and your current care package becomes inadequate.

Those who live at home and are eligible can have both their health care and their personal care, such as help with dressing and bathing, paid for in full by the NHS. This includes live-in care and Christies Care has an increasing number of clients whose care is at least partly and often fully funded by the NHS.

For more information about the NHS Continuing Health Care service, download their National Framework for NHS Continuing Healthcare and NHS-funded Nursing Care document.

Talk to us about your care needs

Call us on 01728 605 107