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Self-Funding Care – What You Need to Know

If you live in England and have more than £23,250 in savings, you will probably have to pay for at least some of your care. The value of your property may also be taken into consideration if you opt for residential care rather than care in your own home.

As care costs can be significant, it’s no surprise that self-funding is one of the things we get asked about most often. Care at home will cost at least £20 per hour and residential care over £600 per week.

The reality for most people is that care costs are hard to avoid, and some level of self-funding is inevitable. But there are exceptions and it always pays to know the facts so you can plan effectively. The Money Advice Service has plenty of information on their website.

Exceptions and Benefits

Social care is intended to help with tasks that are part of normal living rather than healthcare needs for a disability or complex medical condition. Continuing healthcare requirements could potentially be covered by NHS funding. Unfortunately, there are no clear definitions of what conditions are included and getting the NHS to pay for healthcare costs can be difficult.

To access NHS support, you will need to ask your GP or social services department to arrange a care needs assessment.

You may be able to claim benefits to meet some of your care costs. If you are over 65 and have a long-term illness or disability, you can claim Attendance Allowance towards the cost of care at home. This may not cover the whole cost of your care but will help to reduce the burden.

If you have an illness or disability caused by work, you can claim Industrial Injuries Disablement Benefit and possibly a Constant Attendance Allowance on top of this if you need daily care.

Property

The value of your property isn’t relevant if you are planning to receive care in your own home. If you decide on residential care, it will be counted unless your partner continues to live in it.

It might be that selling your property to pay for residential care is a sensible choice. But there are alternatives if you’re not yet ready to make that step or if you want to remain at home. Equity release will provide a lump sum in return for a share of your home. Your council may also have a deferred payment scheme where they fund your care and recover the cost from the proceeds when your home is eventually sold or from your estate.

Arranging Care

If you are paying for your own care, you can choose a care provider you prefer and deal with them directly. It still makes sense to have a care needs assessment so that you know what type and level of care you need to buy and whether any financial support is available. The council might, for example, pay for equipment or modifications to your home to make it easier for you to live in.

If you think you are eligible for council or NHS funded care, arranging a care needs assessment will be the first step.

In some areas you can ask social services to arrange care with an approved provider and bill you for the cost, but not all areas offer this.

If you are funding your own care and you think that your savings will go below the £23,250 threshold, you should contact your social services department three months beforehand. They can then arrange a new financial assessment. They will not back-date their financial support if you claim after your savings have gone below the threshold.

Self-funding care can be a complex area, the team at Altogether Care are always happy to answer any questions you might have. Just give us a call on 01305 206140 or visit our Contact page.

How Can You Improve Mental Health and Wellbeing in Later Life?

World Mental Health Day on October 10th is designed to promote greater awareness of issues around mental health and to help remove the stigma that can surround it.

Mental health problems are more common than many people imagine, particularly in later life. The Mental Health Foundation estimates that 22% of men and 28% of women over 65 suffer from depression. So, what are the most important factors in maintaining good mental health in later life?

Relationships

Good personal relationships are well known to promote better mental health. All normal human interactions affect the levels of chemicals such as serotonin and oxytocin.

Serotonin is important for general mental wellbeing as it helps the brain to function normally. Oxytocin is sometimes called the ‘love hormone’ as it affects our ability to form personal relationships. Human interactions help to boost the levels of these healthy chemicals, which is partly why isolation and loneliness can be so harmful to mental wellbeing.

Participation in Meaningful Activities

Keeping active, doing something purposeful and interacting with other people have also been proven to help maintain good mental health. This won’t surprise anybody; but it can be a challenge to find the right types of activities that are accessible in later life. You have to wonder how much health spending could be saved by investing in more community activities for older people.

Physical Health

Physical health and mental health are closely linked. A good diet helps to boost the levels of healthy chemicals in the body and also provides the energy to take part in activities. Regular exercise is also important, whether that’s walking, gardening or a few gentle stretches with friends during the day.

Care providers have a vital role to play in promoting better mental health in older people. We need to work closely with health services and ensure we support people in our care with the right nutrition and activities. We’re also aware that we may be the first to notice the signs of mental health problems – so we need to make sure our people are trained in what to look for and what to do.

At Altogether Care, resident’s health and wellbeing are at the focus of what we do. If you would like to find out more about either our care homes, care at home or our live-in care services please get in touch.

Which Elderly Care Option is the Right One?

Like it or not, care is something more of us will have to think about. People are living longer and more of us will develop medical conditions that mean we will need help to cope with everyday life to some degree.

Of course, there are plenty of excuses to put it off. These include fears over the potential cost or simply not wanting to accept that time is taking its toll and we need a bit of help. But it’s a reality that may have to be faced and there are probably many more care options than you realise.

Many chose to receive care at home. This can include help with simple tasks such as cleaning, cooking, shopping, washing or dressing. It can make life in your own home easier to manage and give you more time to do things you enjoy. For people with more acute medical needs there are further options to help you stay in your own home including live-in care.

Assisted Living

Assisted living is also a possibility. Typically, people have their own apartment in a home that has round the clock care support available if needed. The advantages are that these homes are designed specifically for people with greater mobility and focus on providing a more convenient and social environment for those that may want to take away the hassle and cost of running their own home.

Residential Care

Residential care is also not always what people imagine. Many residents in our care homes live active, fulfilling and enjoyable lives and are always guaranteed company and something to do. Being within a residential care setting also means that somebody is keeping an eye on your health and nursing or dementia care can be introduced when needed.

Respite Care

Respite care is used for a short period to give carers and the cared-for a break and a change of scene. And sometimes home care or residential care is provided temporarily to help recovery from injury or illness.

How & When do I Need to Choose?

Choosing the best option will depend on each individual and their needs. The first stage is usually to have a care assessment carried out by social services. You might also have a care assessment if you are discharged from hospital.

Based on the care assessment an individual care plan will be developed. This must consider your preferences and allow you to make choices for yourself. This is a good time to understand all of your options and talk them through with family and friends.

Paying for Care

Unless you have very little in the way of savings or assets or your care is the result of a medical diagnosis your care will not be free in England. You can find information about the costs of care here.

The team at Altogether Care will also be happy to advise you. Our information on funding care may be helpful. And you are always welcome to visit one of our care homes to see for yourself what supported living in a caring environment looks like.

West Moors Care at Home Host a Cake Sale for Alzheimer’s

Last week, the team at West Moors Care at Home hosted a cake sale in the office to raise money and show support for Alzheimer’s Society.

The team were so pleased to see carers, local shop owners, and members of the public getting involved too.

 

Care at Home Carers: Come into a Branch for a Refuel

All of our carers are always welcome to pop into any of our Care at Home offices for a refuel.

Take a break from a busy day at work and help yourself to complimentary refreshments in any of our branches.

We always have a range of hot and cold drinks and snacks available for you to enjoy!

Here are a few of our carers enjoying refreshments at our Wareham branch.

  

 

The Modern Way to Deliver Care at Home

Mobile technology has revolutionised so many aspects of our work and lives. Our home care teams make many visits each day to multiple locations, so mobile technology is the logical way to support the work they do.

The Mobile Care Worker App we recently introduced supports our care teams at all points of service delivery. It means we can forget about completing paper forms and records during visits and focus more time on our care users.

The app guides our staff to each appointment using maps and directions. If there is anything they need to know to gain access, the app will tell them this also.

Once at the appointment, our staff check in automatically using their mobile phone. They can see an up-to-date checklist of the care tasks to be carried out and any other information about the service user that might be relevant. They can also be prompted to check whether medication has been taken and record any details that might help with adapting to the care plan to meet changing care needs.

More Efficient

Mobile Care Worker also helps us organise the care we provide more efficiently. Data is captured instantly from each visit due to staff being able to input information through the app rather than in the office. This means we spend less time entering data from paper forms and more time designing a better service to meet our customers’ needs.

We also spend less time designing visit rosters and can see instantly where all our mobile staff are. If it looks like they might be late for an appointment, we can let people know to reassure them that they haven’t been forgotten. Simpler rostering also makes it easier for us to ensure that people see the same care worker at every visit.

Mobile Care Worker provides another way to involve relatives in the care of their loved one, which can be very welcome if they don’t live locally. They can be given secure access to the system and be reassured that visits have taken place when scheduled. They can also be part of the discussion around designing the most appropriate care programme.

Technology will never take the place of personal interactions in the care delivery, but it can take care of all the things that help those interactions to be more effective.

If you or an elderly relative are starting to find basic household tasks a bit challenging, a care at home service might be just what’s needed to brighten life up. Contact us today on 01305 300161 to find out more or click here.

What Will More Technology in Care Mean for Service Users?

Like most walks of life, the care sector is experiencing technological change. The pace of change is likely to increase rather than decrease.

For some, more technology and automation conjures up an image of a world where social care becomes dehumanised, where conversations are with computer applications and chatbots rather than people. Or where a friendly robot takes care of domestic duties. We believe the reality will be very different, and much more human.

If we look at the technology we are currently using it actually creates more human interaction rather than less. It enhances personal care rather than replacing it.

Care staff use handheld PDA’s to make sure they have instant access to information about service users, their care plans and personal preferences, wherever they are working. Record keeping and observations such as food and drink intake are made in a few clicks.

Real Time Information and Enhanced Care

Care staff have better information to work with and have to spend less time updating or sharing it. Which leaves more time to talk and to develop relationships. Using real-time information enables the delivery of better-quality care that is more focused on the needs of each individual.

Relatives are able to access information for greater peace of mind and have an involvement in care where relevant.

On a grander scale, technology opens the way to even more advancements in care. Artificial intelligence and machine learning ought to do a better job of predicting and planning care needs within an area. Virtual Reality is already helping to improve wellbeing for dementia patients by allowing them to experience environments they knew from years ago.

Good social care has always been, and will always be, something that has human interaction and relationships at its core. Technology will not change this; it will enhance rather than replace those interactions. It will also bring the entire ‘team around the person’ closer together, which includes care staff, health professionals, family and carers.

For anyone interested in better quality, more personalised care, technology is something to be embraced rather than resisted.

To arrange a visit to one of our care homes to see how we are delivering better quality care focused on individual needs, contact us today on 01305 300 161.

Why Care at Home Deserves Appreciation and Nurturing

Home care services seem to be continuously in the news. Mostly the coverage focuses on the struggle the sector is having to secure a sustainable future. But away from the headlines it’s clear that there is a continuing and growing need for home care services.

Some care homes are closing, social care budgets are tightening, and some service users are choosing to spend personal care budgets to help them continue living in their own homes. All of these factors, alongside the target to speed up the transfer of care from hospitals to care services, drive an increasing need for care at home.

It isn’t just the ageing population and the projected growth of conditions like Alzheimer’s that affect people’s ability to live completely independently. Many other people find that they need help to live independently in their own homes either in the form of care visits or live in care.

Care at home delivers vital support to people with mental health issues, physical disabilities and learning difficulties. The range of support offered is far wider than many people imagine, spanning everything from temporary re-ablement care for people recovering from serious medical conditions, to long term high dependency care.

The scope of the service is extremely broad and could include practical support to live independently as part of a community, help with personal care, dementia care and end of life care.

Care at home plays a vital role, not just in the context of social care but within the social fabric of the country. And it could do much more given the right support and funding. It’s time that role was more widely recognised and appreciated.

In some circumstances, home care can be more cost effective and better for the emotional wellbeing of service users than residential care, particularly when they are part of a supportive community of carers and neighbours. It’s hard to imagine a scenario where care at home doesn’t play an increasingly significant role in supporting people with additional needs at any stage of life.

It isn’t the best option for everyone but we believe strongly that it should be the needs and circumstances of each individual that determines the care they receive, rather than what is available or less expensive.

If you are currently considering the care options for your loved one and would like to discuss what would best suit their needs, contact Altogether Care. Our diverse range of care options can be tailor made to suit your individual needs, from care at home and live-in care to high end residential homes and specialist dementia care homes. Our experienced and caring team are here to help you, call 01305 300 161 or visit our website for more information.

Live-in Care – The modern solution to care

It is predicted by a report from Age UK, that there are now 11.4 million people aged 65 or over in the UK, with more people aged 60 and above than there are under the age of 18. With an ageing population there is great importance placed on providing flexible care pathways to cater for individual’s needs where they feel most comfortable.

Age UK predicted last year that around 350,000 people were waiting for a place in either a residential or nursing home. With so many people waiting to receive a place for full time care, we have in turn seen an increase in care at home as a positive alternative. Home care is able to provide a flexible range of assistance dependant on how much or little you may require, tailored to suit your individual needs. This could be providing one-to-one live-in care to enable you to continue living in your home or perhaps popping in to provide companionship and occasional assistance with shopping or domestic tasks. With an arrangement that suits you and your needs, you can continue to enjoy life in your own home.

Spending time with your family and friends and engaging with the wider community is a priority for most people regardless of age and ability, to continue with your hobbies, interests and social activities is crucial in reducing the potential for social isolation and loneliness. A support package focussed not just on what’s important for you but also what is important to you, you can continue to live your life as fully as you’d like knowing that should you need us, we are there.

We understand the importance of providing a person focussed care service and have a range of flexible options available should your care needs change.

Talk to us now about how we can help you remain independent and get the most from life.

Some recent day to day activities