To answer the posters above (sorry, I don't know how to include your names), we were given a choice of two care firms picked out for us who had "space" for us, both private companies. Their websites indicate that the rate we are paying is a bit less than their standard rates. Since then I have researched others - either no "vacancies" or even higher charges, or no online inspection reports (which I know are no guarantee of anything really), or did not bother to reply. We live in an area with a high proportion of elderly folk and little industry to keep younger people here, so demand is sky high. Most of the carers employed live outside the area and it being a rural area they can be visiting folks 10-20 miles apart (and are paid for the travel cost and time) which the care companies need to cover.
We were also told that as my DH has instability issues we need two carers at a time, so that doubles our cost. At the moment I can just about manage the general caring stuff, and am improving at getting him in/out of bed and supervising his walkiing exercises safely so hoping to cut down the hours we need them. Also hoping that the physio chap continues to visit (not seen him in two weeks) to add new exercises for him to do.
All that said, we have a hospital appointment tomorrow to discover the findings of the recent brain/body scans he had two weeks ago, so the future is dependen on what we learn then.
Yes, our savings are more or less equally split already.
It's been a dreadful shock to us both, in terms of the cost and time taken to get through the day and night.
I can't imagine having a live-in carer would be any cheaper, but worth a thought.
To the posters re the theme of this thread which highlights the selfishness of some people in their old age, remember that many of our generation grew up not knowing the dangers of drinking, smoking and not exercising, and lots of us are sadly suffering as a result of our own abuse of our bodies - and I count me and DH among these even though we have always been moderately active and not overweight, but it wasn't done out of laziness rather out of ignorance.
Even so, we will do our damndest not to be an undue burden on our children but nor do we want to be bunged in a care home unless it is essential. We (well at least !) still have things I can contribute to society (as a retired accountant I do the accounts of several local charities), and that I enjoy, and I'm not yet willing to part with tons of dosh for someone to do the basics for my DH at such a cost.
And yes, we do have savings but at £1,500 - £2,000 a week in a care home around here, our savings won't last long at all.
I echo all that Mischance says. I don't know what the answer is.
I used to laugh that the local education authority were always shocked at the number of 4-5 year olds wanting places at primary school each year when birth statistics are so easy to obtain, and now the same applies to the number of elderly but infirm folks living longer due to improvements in healthcare.
You couldn't make it up!!!
Love to you all, and thanks for listening.