View more on these topics

Symponia says self-funders should consider long-term care at home

Professional body says advisers should make self-funders aware of home care options.

Symponia says care at home is often being overlooked by self-funders of long-term care because of negative misconceptions of state provision.

Funders using state money are assessed by the local authority and given domiciliary care but Symponia says there have been problems in accessing home care via councils’ care providers.

The professional body says there is a “two tier system” between state and private options.

It says there are many benefits to staying at home and the cost can be similar to a care home for individuals and cheaper for couples.

Other benefits include being able to stay at home and live independently for longer as well as couples staying together instead of moving into a care home.

Symponia managing director Janet Davies says state-funded home care has a bad reputation that is damaging private home care.

She says: “It is rarely the fault of individual carers and has everything to do with local authorities not being able to allocate more realistic funding and resources to their elderly citizens.

“A huge chasm exists between this inadequate and sad state of affairs and the standard of home care enjoyed by people who are not relying solely on state funding but paying privately for home visits or live-in care out of the family purse.”

Davies explains people who are relying on state funding can get their care allowance paid directly to the care provider, as long the provider is registered with the Care Quality Commission.

She says: “A number of home care groups are happy to work with elderly clients in this way. 

“Sadly, even with direct payments, in many cases, the funding probably will not be enough to pay for a full care package and until local authorities start to cover the true cost of care, this unfair two-tier system will perpetuate.”

Carematters director Brian Tabor says: “The opportunity for care at home should always be considered first. Selecting your own domiciliary care provider as a self-funder can be filled with difficulty so it is a service advisers could get involved with by building relationships.”


News and expert analysis straight to your inbox

Sign up


There are 2 comments at the moment, we would love to hear your opinion too.

  1. This is indeed an appropriate observation by Symponia with some very well made points. However, I struggle to take them seriously when they try and call themselves a “professional body”. They are no more a professional body for Later Life Advisers than Boots is a professional body for Pharmacists! Symponia is a commercial organisation flogging post code licences to Advisers seeking to break into the later life advice market..

  2. Considering long term care at home is actually a good idea these days because of the rising cost of facilities for senior and other long term care services. Aside from the cost, most seniors also prefer to stay home, be close to their family and receive care at home. Long term care at home is actually beneficial according to because it is designed to meet the specific needs of the patient and also gives peace of mind to family members since their loved ones are just within their reach. Consider this first before choosing other care settings but make sure that this will perfectly suit your future long term care needs and not only because this type of care is the one you prefer.

Leave a comment


Why register with Money Marketing ?

Providing trusted insight for professional advisers.  Since 1985 Money Marketing has helped promote and analyse the financial adviser community in the UK and continues to be the trusted industry brand for independent insight and advice.

News & analysis delivered directly to your inbox
Register today to receive our range of news alerts including daily and weekly briefings

Money Marketing Events
Be the first to hear about our industry leading conferences, awards, roundtables and more.

Research and insight
Take part in and see the results of Money Marketing's flagship investigations into industry trends.

Have your say
Only registered users can post comments. As the voice of the adviser community, our content generates robust debate. Sign up today and make your voice heard.

Register now

Having problems?

Contact us on +44 (0)20 7292 3712

Lines are open Monday to Friday 9:00am -5.00pm