Southern Ocean and Atlantic Counties (Change Location)

Understanding the Cost of Care for Aging Adults

Senior care should be about meeting individual needs. But we understand that for families of who are considering care options for aging adults, the cost can be a major worry. Selecting the right care is important and you want to ensure it’s the best fit and value for your unique situation.
Home Instead Caregiver pours coffee for senior man sitting at home

Find Care That Enhances the Quality of Life

Evaluating Cost of Care

When evaluating the cost of care, you should weigh the outcomes of care, beyond pricing alone. It’s important to consider the person’s safety, well-being, need for companionship and quality of life. Care is something that should be put in place to, not only to keep the person safe and healthy, but to enhance a person’s enjoyment of life.

Home Instead Caregiver wearing mask brings groceries to the home of an aging adult.

  • Care Plan Personalization
  • Companionship & Engagement
  • Caregiver to Client Ratio
  • Location
  • Control of Budget
  • Safety
  • Scalability
  • Affordability

Tailor-Made Care Plans & Packages

In-home care services can help people at any point within the aging process. But care needs rarely fit neatly into a standard package. We start with the needs of the individual and develop a personalized care package and plan.

Home Instead Caregiver and aging woman talking and smiling at home.

Your Options for Paying for Home Care

Today, you may be able to take advantage of many programs to make personalized in-home care a reality for your family. Contact our office so we can discuss cost and coverage options that best support your needs. Home Instead is here to help you make an informed choice that is right for everyone involved.

Home Instead Caregiver and aging woman talking and smiling at a table.

  • Family-funded care
  • Veterans (VA) assistance
  • Long-term care insurance
  • Dementia Care Grant through our partnership with HFC
  • Home equity line of credit

Hiring Privately vs Hiring Home Instead: Know the Difference!

Before hiring a private caregiver, protect yourself by learning the differences and risks:

Home Instead employs all CAREGivers as W-2 employees. We maintain 100% of the employer responsibility for our CAREGivers, including: payroll, tax withholdings, annual training competencies, bonding and licensing, and workers compensation insurance. Our Clients, and their families, carry zero employer responsibility or risk when receiving care through Home Instead.

Conversely, the Board of Labor requires private caregivers and aides to be paid for all hours worked. No flat rates allowed. The family is also required to pay Social Security, Unemployment, Medicare and Payroll tax for the private caregiver. Failure to meet these obligations may result in civil fines or other penalties.

All Home Instead CAREGivers are bonded and insured to protect you and your family against loss. Home Instead also carries Workers Compensation Insurance to protect each of our CAREGivers in case of a work-related injury. For those instances when your primary CAREGiver falls ill, takes a vacation, or simply cannot not make it in, Home Instead will always strive to provide a replacement CAREGiver.

When hiring a private caregiver, the family is ultimately responsible for any liability due to an injury to the person being cared for or the caregiver and would bear full responsibility for costs and Workman’s Compensation. Also, when contracting a private caregiver, there is frequently no back up plan for coverage on holidays or sick days.

Before Home Instead CAREGivers are invited into any family's home, we run a thorough background check. We will not send anyone into your home that we wouldn't invite into our own. It's that simple.

When hiring a private caregiver, please remember a reference from a friend is not enough! Without an actual background check, the risks for manipulation and exploitation are much greater.