Home Care in Later Life

What is Home Care?

As people grow older, physical strength, mobility, memory, and general health can decline, often gradually. These changes may make it difficult to manage tasks that were once routine, such as getting dressed, preparing meals, or taking medication correctly.

Despite these challenges, many older adults wish to remain in their own homes rather than move into a residential facility.

Home care, or domiciliary care, provides professional support in the home, offering an alternative to care homes that can help maintain independence, dignity, and quality of life.

What home care involves

Home care refers to services provided in a person’s own home to help with day-to-day living. This support may be practical, personal, emotional, or medical. It is intended to enable people to live safely and independently for as long as possible, even when they face increasing health or mobility issues.

For example, someone recovering from surgery may need temporary support to cook meals and avoid injury while healing. A person with Alzheimer’s disease may require long-term help with dressing, managing medication, and reducing risks such as leaving the hob on. Home care is also commonly used by people with limited mobility, vision loss, or chronic conditions such as arthritis or diabetes.

In addition to physical assistance, home care can help reduce loneliness, especially for those who live alone or have limited contact with family. Even short, regular visits can improve wellbeing by providing conversation, reassurance, and connection.

Types of home care support

Personal care

Personal care involves direct assistance with daily physical tasks. These are often intimate or sensitive activities that require professional, respectful handling. The level of care may vary depending on the person’s physical ability, mental state, and preferences.

Common tasks include.

  • Bathing and hygiene.  Helping someone shower, wash, or manage personal grooming, such as brushing teeth or applying creams for skin conditions.
  • Dressing and undressing.  Supporting people who have arthritis, tremors, or limited movement to put on clothing and manage zips, buttons, or fasteners.
  • Continence care.  Assisting with toilet use, changing continence pads, or managing catheter or stoma care. This is especially important for those with neurological conditions or limited mobility.
  • Mobility support.  Helping a person move between rooms, use a stairlift, transfer from bed to chair, or use walking aids safely.
  • Meal support.  Preparing meals in line with dietary needs, such as soft foods for people with swallowing difficulties or diabetic-friendly meals for those managing blood sugar levels.

Companionship and emotional support

Many older people experience isolation due to bereavement, reduced mobility, or family living far away. Regular visits from a care worker can provide vital social contact, helping to reduce feelings of loneliness and depression.

This type of care may include.

  • Conversation and social interaction.  Simply spending time talking, reading, or watching television together.
  • Support with outings.  Accompanying someone to a GP appointment, to the shops, or for a walk in the park.
  • Cognitive stimulation.  For those with dementia, carers may engage in memory games, music, or other activities that support mental function and reduce anxiety.

Nursing and medical care

Some people require medical care that cannot be provided by standard domiciliary carers. In these cases, qualified community nurses or specialist carers provide services under NHS or private arrangements.

Examples include.

  • Administering medication.  Giving injections such as insulin, or managing a complex medication regime.
  • Wound care.  Cleaning and dressing post-surgical wounds or ulcers.
  • Monitoring health conditions.  Checking vital signs, managing symptoms of long-term illnesses such as COPD or heart failure.
  • Specialist care.  Managing feeding tubes, tracheostomy care, or ventilator support for individuals with significant medical needs.

If the care is considered clinically necessary, it may be provided through the NHS. However, some people pay privately to access more regular visits or services not covered by the NHS.

Live-in and overnight care

Live-in care means a carer lives with the person in their home, typically working on a rota with another carer for breaks. This arrangement is suitable for individuals who require consistent support throughout the day and night.

Examples of when live-in care is appropriate.

  • A person with advanced dementia who risks wandering or becoming disoriented.
  • Someone recovering from a stroke who needs full-time help with mobility and personal care.
  • Couples who want to stay together at home but need significant joint support.

Overnight care may involve a sleeping night (where the carer is present but only expected to assist if needed) or a waking night (where the carer is awake and provides active support throughout the night). This can help manage risks such as nighttime falls or incontinence.

Live-in care usually requires a spare room and appropriate facilities. It may be more cost-effective than a care home for couples, though it can be more expensive than hourly visits.

Who provides home care

Local authority-arranged care

In the UK, local authorities are responsible for assessing adult social care needs. Anyone can request a care needs assessment, which will evaluate whether they meet the national eligibility criteria.

If a person qualifies, the council may.

  • Arrange care directly using contracted providers
  • Offer a personal budget so the person can choose their own provider

A financial assessment will determine how much the person must contribute to the cost. In England, if savings exceed £23,250, the individual usually pays the full amount. Other nations have similar rules with slight variations.

Private care agencies

People can also arrange care themselves through regulated agencies. These organisations employ trained carers and handle recruitment, DBS checks, training, and cover for staff absences.

Advantages of using an agency include quicker setup, no employer responsibilities, and access to a pool of trained staff. However, it can be more expensive and less personalised than hiring someone directly.

Direct employment of carers

Hiring a carer privately gives the individual complete control over the care provided, including choosing who provides it, what times they attend, and what tasks they perform.

This arrangement means the person becomes a legal employer and must handle payroll, tax, pensions, and holiday entitlements. It offers continuity but also involves legal obligations, which some people manage using payroll services or through a family member.

How to arrange home care

Requesting an assessment from the council

Anyone who appears to need care is entitled to a free care needs assessment. This can be requested online or by contacting the local council’s adult social care team.

During the assessment, a social worker will ask about daily routines, health conditions, support from family, and difficulties with tasks. If eligible, a care and support plan is drawn up.

The person may also undergo a financial assessment. Depending on income and savings, they may receive fully funded care, contribute partially, or need to pay in full.

Making private arrangements

For those not eligible for council-funded support or who prefer to choose their provider, private care can be arranged directly with agencies. In England, the Care Quality Commission (CQC) regulates agencies and publishes inspection reports. Similar bodies operate in Scotland, Wales, and Northern Ireland.

Even self-funders can benefit from a care needs assessment, which may support applications for benefits such as Attendance Allowance or NHS Continuing Healthcare.

Home care cost typical fees in 2025

  • Hourly care. £20 to £40 per hour, varying by location and complexity of care. Some sources indicate an average of £26-£38 per hour.
  • Live-in care. Generally ranges from £900 to £1,600 per week, potentially up to £2,000 per week depending on needs.
  • Overnight care. Typically £100 to £150 per night. Waking night care (where the carer is awake all night) can be significantly more, around £248 per night for an 8-hour shift at £31/hour. Sleeping night care might be around £200 per night.

Rates in London and the South East are generally higher than other regions. Additional charges may apply for weekends, holidays, or evening visits.

Council charging rules

If care is arranged by the council, the person will undergo a means test. This considers income (such as pensions), capital (including savings), and property ownership.

In most cases, the value of the person’s home is not counted if they continue living in it. However, if they move into permanent residential care, the property may be included after a grace period.

Contributions are calculated based on national rules such as the Care Act 2014 in England, with variations in Scotland, Wales, and Northern Ireland.

Funding and financial support

Means-tested local authority support

In England, the 2025 thresholds are:

  • Over £23,250. Pay full cost.
  • £14,250 to £23,250. Pay a contribution based on income and capital.
  • Below £14,250. Capital ignored; income may still contribute.

Some councils also offer free short-term care (reablement) for up to six weeks following hospital discharge, aimed at regaining independence.

NHS Continuing Healthcare

This is a full care package funded by the NHS for people with significant health needs. Eligibility is assessed using a national framework that looks at the nature, intensity, and complexity of needs.

This support is not dependent on income or savings but on the severity of medical needs. For example, a person with advanced Parkinson’s disease and multiple complications may qualify. Applications are reviewed regularly and can be withdrawn if needs change.

Attendance Allowance

Attendance Allowance is available to people over State Pension age who need help with personal care. It is not means-tested or taxable, and there is no requirement to spend it on care.

In 2025:

  • Lower rate. £73.90 per week (day or night support)
  • Higher rate. £110.40 per week (day and night support)

This benefit can help fund care privately or supplement other support.

Benefits and limitations of home care

Key benefits

  • Familiar environment.  Remaining in one’s own home can reduce anxiety and confusion, especially for people with dementia.
  • Control and routine.  Care can be tailored around an individual’s preferred times for meals, bathing, or medication.
  • Privacy and autonomy.  Individuals retain more control over their environment, schedule, and who enters their home.
  • Cost savings for limited needs.  Compared to care homes, home care is often more affordable when only a few hours of help are needed.

Limitations and challenges

  • Inconsistent staffing.  Care agencies may send different carers at different times, which can affect continuity and trust.
  • Short visit durations.  Visits of 15 to 30 minutes may be too brief for meaningful care, especially for people with complex needs.
  • Coordination burden.  Managing rotas, multiple carers, and communication can be time-consuming for family members.
  • Escalating needs.  As care requirements grow, it may become unsafe or impractical to remain at home, requiring a move to residential care.

Frequently asked questions

Do I need a medical condition to receive home care?

No. Home care is for anyone who needs help with daily activities, regardless of whether they have a diagnosed illness. It may be used for temporary recovery, long-term disability, or simply to reduce isolation.

How quickly can care be arranged?

In urgent cases, such as after hospital discharge, care may start within a few days. For routine cases, it may take one to four weeks depending on assessment times and agency availability.

Will I have the same carer every time?

Not always. Agencies aim for continuity, but rotas, holidays, and staff shortages mean that carers often vary. Consistency is more likely with direct employment or live-in care.

What can I do if I am unhappy with my care?

Agencies are required to have complaints procedures. If care is arranged by the council, concerns should be raised with the local authority. Private clients should speak to the provider. Serious concerns about safety or quality can be reported to the Care Quality Commission or the equivalent regulator in your nation.

Can family and paid carers work together?

Yes. Many care arrangements combine formal and informal support. For example, family members may provide shopping and companionship while paid carers handle personal or medical tasks. Coordinating roles can ensure that all needs are met without overlap.

Divi
Professional is as important as choosing a doctor or lawyer; it’s a very personal relationship. Many CFP professionals specialize in working with certain types of clients.
Copyright © 2025 Divi. All Rights Reserved.