Casdon
Norah
growstuff
My ex MiL has a live-in carer. I haven't had anything to do with her for years, but I've been told it's considerably cheaper than a care home would be. It's also better because my MiL has Alzheimers and wouldn't cope well with a change of environment.
My ex MiL pays the carer a full-time wage and provides accommodation plus all the statutory insurance and holiday pay etc. She also has somebody to do her garden and somebody else to do housework (but she's had them for years).I suspect live-in care is considerably more reasonable. Our plan is the same as your x mil - pay for care, provide a lovely accommodation, pay all necessary insurance, etc - plus employ gardener, cleaner etc.
Seems, for us, best way forward when needs must.It depends a lot on what the needs of the person being cared for actually are, and what other help they have from spouse or family. If the person has a stroke, or other debilitating condition with immobility which means double handed support is needed, or needs somebody with them 24/7, eg a dementia sufferer who wanders, then a care home is cheaper (and safer) than home care. None of us know until we get to that point - in their mid nineties my parents are managing with a career who goes in for 30 minutes to get my mum up and dressed, a lunchtime meal carer, and a cleaner - but the family also help out.
Everyone must manage in their own way.
Perhaps the point of the tread is that income taxes must go up, bands must be adjusted up - in order that some people are not hungry and cold.
