Paying for Care
The costs and
finances of home care
On this page, we highlight that funding care at home is comparable to paying a residential care home. Beyond that, we outline the benefits available to people paying for care due to disability or old age.
How does care at home compare to care homes?
According to which.co.uk, the average annual cost for a person to live in a residential care home is £31,044. Comparatively, the average cost of care at home is approximately £18,000. There are significant variations to these costs depending on your chosen level of care; however, these statistics show that care at home is affordable and attainable for many families.
Paying for Care
At Aspire UK our priority is providing meaningful care to those who need it most and supporting fulfilling independent living. Which is why we aim to make the payment process as straight forward as possible.
You may want to consider the following options when it comes to paying for care:
Personal Health Budget
Aspire UK accept Personal Health Budget (PHB) payments.
PHB’s are granted by the local council to those with social care needs, subject to their financial situation, and can provide more freedom and control over one’s care.
There are many services that can fall under this budget that you might not have even realised, such as therapies and personal care. Talk to your local representative to find out more.
Direct Debit
Direct Debit payments allow you to rest assured that you or your loved one’s care will go uninterrupted.
The monthly services fee’s will be taken directly from your bank each month, so you won’t need to worry about missed payments.
Direct Debit payments can be stopped at any time by request.
Your complex care questions, answered
What is complex care at home?
Complex care is person-centred specialist support for someone with a chronic or long-term health condition that requires extra assistance to manage their symptoms and daily activities to enable a high quality of life.
How is complex care at home funded?
You need to contact your GP or Adult Social Care, who will assist you in ascertaining if you are eligible to get any funding. They will ask you how much money you have and ask about your income.
If you are eligible, you may have to pay a small contribution to your care, but the social worker will sort all of this out for you.
What is a direct payment for complex care?
This is a budget that Adult Social Care gives to you to enable you to pay for your care directly to the provider. Most of the time, they give you a card, which is like a credit card; they put the money on this card, and you can pay the provider via BACS.
If you are not able to manage your own monies you can ask a representative to do this for you; family normally support with this.
What is a personal health budget?
If you are fully funded by the NHS, the money comes from the CCG, and they ask a local Continuing Health Care (CHC) team to help you with this. If you are eligible to receive CHC care and support, they will ask you to set up a separate bank account and pay the money into this account.
This enables you to pay the care provider via Direct Debit, BACS or by cheque. You can have a nominated person to help you if you are not able to manage your own finances.
What is the difference between live-in care and complex care at home?
Live-in care means having a fully trained carer living with you in your own home. Your live-in carer will support you with your specific needs to keep you comfortable and independent at home. Our live-in carers and companions help with: personal care, specialist medical care and dietary and nutritional needs.
Which areas in Leicester & Leicestershire do you cover for complex care?
We cover the whole of Leicester and Leicestershire. This is broken down further by the following Postcode:
LE1, LE2, LE3, LE4, LE5, LE6, LE7, LE8, LE9, LE10, LE11, LE12, LE13, LE14, LE15, LE16, LE17, LE18, LE19, LE65 & LE67.
What training do your specialist complex care staff have?
- All mandatory training that includes
- The Care Certificate
- Adult Safeguarding
- Child Protection
- QCF Level 2, 3 and 5
- Specialist Dementia
- Medication Management
- Moving and Handling
- Bowel Management
- First Aid
- Infection control
- Hygiene
- Skin care
- Infection control
- Acquired Brain Injury
- Spinal Cord injury
- Motor Neurone Disease
- multiple Sclerosis
- Learning Disabilities
- Epilepsy
- Clinical Observations
- Health and Safety
- Personal hygiene
- Bladder Management
- Ventilation and respiratory care
- Nutrition and enteral feeding
- Record keeping
How long does it take to set up a new care package?
We need to be confident that all staff are trained to support a client; this may be from 4 days up to 2 weeks.
Will support workers be able to come on holiday?
Yes, everyone needs a break. We will ensure staff are fully trained to look after you and will make sure you have fun, but not put yourself at risk.
What happens in the event of a hospital admission?
Your care team would accompany you upon a hospital admission. The benefit of this is that you receive continuity of care from people you are familiar with, and this assists with the workload of the ward staff who retain clinical responsibility.
What happens if I have a concern about my care worker?
We have a complaints and compliments procedure, and we will resolve the issue straight away. Our aim is for your staff to be compatible, to have empathy, but to enable you to live your life as you wish to live it.
What happens if someone on the care team is sick or on annual leave?
We always aim to have a team that can cover staff sickness or annual leave. Our aim is for you to have a team of staff who know you well and you know them well.
Do you have an emergency 24-hour support line?
If you require 24-hour care, the staff have access to a phone number to contact a manager who will guide and support you. If you don’t have 24-hour care because you do not need it, you could ask your social worker for a Lifeline.
We don't live locally, so how will you keep in touch with us?
We support many clients who do not live locally to them; we facilitate WhatsApp calls or video calls to enable you to speak to your loved one. The Aspire office team will keep you updated, too.
What conditions do you provide complex care at home for?
We provide complex care at home for a wide range of chronic and long-term conditions. If you’re not sure if we offer the care you need, please get in touch. Our team will be happy to discuss how we can help.
Are you a CQC-registered complex care provider in Leicester?
Yes. Aspire UK is registered with and regulated by the Care Quality Commission (CQC) and has been rated Good. This means our services are independently assessed against national standards for safety, effectiveness, and quality of care. You can view our CQC rating on the CQC website.
Home care that makes a real difference
We want to make a meaningful impact on your loved one’s life and help them stay living in their own home. If you require home care services in Leicester and the surrounding county of Leicestershire, we invite you to download our brochure and book a free consultation.