Key Takeaways
- •Care costs vary based on hours, type, and timing
- •In-home care can be more affordable than residential care
- •Funding support may be available through councils and benefits
One of the first questions many families ask is very simple and very real.
“Can we actually afford in-home care?”
If you are asking this, you are not alone. At Rehoboth Haven Care we speak to families across Kent who feel torn between wanting the very best care and worrying about money. This short guide is here to bring some clarity and a bit of breathing space.
What Affects the Cost of In-Home Care?
The cost of care at home is shaped by a few key things.
- How many hours of support do you need each week?
- The type of care needed, for example, personal care, dementia care or companionship
- The times of day you need visits, such as early mornings, evenings or weekends
- Whether one carer is enough or if two carers are needed for safe moving and handling
💡 Good to know: Many people are surprised to find that they can start with just a few visits each week. Care does not have to be all or nothing. It can grow gently as needs change.
Comparing In-Home Care with Residential Care
Residential Care
- •Often more expensive than expected
- •Fixed monthly costs
- •Leaving familiar surroundings
In-Home Care
- •Pay only for what you use
- •Stay in your own home
- •Keep familiar surroundings & pets
For some families, in-home care works out to be the more affordable option, especially if you only need help at certain times of day.
Support That May Help with the Cost
You may not have to shoulder the full cost alone. Depending on your situation, there may be help available.
- A care needs assessment from Kent County Council
- A financial assessment to see if the council will contribute
- National benefits such as Attendance Allowance or Personal Independence Payment
- NHS Continuing Healthcare in some complex health situations
💬 We're here to help: This can feel confusing, which is why many families put it off. At Rehoboth Haven we are always happy to explain each step and signpost you to the right forms and phone numbers.
Planning Ahead
It can help to sit down with a notebook and work through:
- 1.What support does your loved one need now
- 2.What you and other family members can realistically provide
- 3.What a realistic monthly budget for care might look like
- 4.Which benefits or funding options could you explore
You do not have to make all the decisions in one day. Small, steady steps make a big difference.
Ready to Talk?
If you are in Kent and wondering whether you can afford in-home care, we would be very happy to talk it through with you. There is no pressure and no obligation. You can book a free consultation with us.