If you have no need or wish to downsize, one or more care workers or nurses can provide at-home care. This can include help with shopping, preparing meals, bathing and dressing.

Home care can vary enormously according to individual needs, as will the cost. It might be anything from a few hours a day to 24-hour assistance and may be offered on a temporary, intermittent or long-term basis.

Advantages

  • Independence – you can stay in your own home, drawing on help as and when you need it.

  • Finances – you can keep your asset

  • Lifestyle – you can stay close to family, friends and all that’s familiar. Visiting care workers can take you to local day centres where you can socialise and enjoy activities with others.

Disadvantages

  • Lifestyle – unlike retirement villages or other sheltered accommodation, you may not be in contact with peers, so loneliness may be a problem. You may not like care workers coming into your home, but relying more on family and friends may bring issues of its own.

  • Accommodation – as your needs change, your home may no longer be suited to your needs and physical capabilities.

  • Access to care – despite alarm systems and regular visits from carers, you can still be at risk in the event of an emergency.

  • Facilities – depending on where you live, you may need to compromise on leisure activities and quality of life.

  • Finances – you remain responsible for general upkeep and maintenance. If you need to modify your home this can be costly, unsightly and can affect the value of your property.

  • Peace of mind – family and friends may worry more.