Understanding the terminology: Extra-care housing
In the UK, the term 'assisted living' is not widely used in the same way it is in the United States. Instead, the concept is most closely aligned with extra-care housing or housing with care. These purpose-built schemes are designed for older people who can live independently in their own self-contained flat or bungalow but may require extra support with daily tasks.
Key features of extra-care housing
Extra-care housing provides a crucial middle ground between fully independent living and a residential care home. Residents live in their own homes, complete with their own kitchen, bathroom, and front door, which promotes a strong sense of independence and privacy. The key difference is the on-site support available, which can be called upon as needed. Common features include:
- On-site staff: A team of support staff is usually available 24/7 to provide emergency help and scheduled care services.
- Flexible care packages: The level of personal care, such as help with washing, dressing, or medication management, can be tailored to the individual's changing needs.
- Communal facilities: Most schemes have communal areas like lounges, dining rooms, gardens, and cafes, fostering a vibrant social community.
- Emergency alarm systems: A 24-hour alarm system is typically included, offering peace of mind to residents and their families.
- Social activities: Organized events and clubs are often arranged to encourage social engagement and community spirit.
Regulation and oversight
Unlike some lesser-regulated options, extra-care housing that provides personal care services is regulated by the Care Quality Commission (CQC) in England. The CQC is responsible for inspecting and rating services, providing assurance about the quality of care and facilities. This oversight is a key differentiator from more basic sheltered housing, which is not CQC-regulated.
A detailed comparison of UK senior living options
For anyone researching senior care, it can be overwhelming to distinguish between the various housing options. Here is a clear comparison to help you understand the differences between extra-care housing and other common alternatives.
Extra-care housing vs. sheltered housing
Sheltered housing, also known as retirement housing, is designed for people who can live independently but want the security of an emergency alarm and a scheme manager. It offers significantly less support than extra-care housing.
- Level of Support: Sheltered housing does not typically provide meals or personal care, which must be arranged separately if needed. Extra-care, on the other hand, includes these services on-site.
- Independence: Both offer self-contained living, but sheltered housing is for those who are more self-sufficient, while extra-care is for those with greater, but still flexible, care needs.
- Regulation: Extra-care housing is CQC-regulated for its personal care services, whereas sheltered housing is not.
Extra-care housing vs. care homes
A care home (or residential care home) is another type of residential care, but it involves a higher level of dependency and a move from a private home into a single room with continuous care.
- Accommodation: In a care home, residents typically rent a single room or a small suite, with all meals and care provided. Extra-care housing allows residents to maintain their own fully functional home.
- Independence: Care homes are for individuals who need continuous support with daily activities and can no longer live safely on their own. Extra-care enables residents to live more independently, with assistance available only as required.
- Personalisation: While care homes offer personalised care, extra-care maintains a higher degree of personal freedom and control over one's living space and daily routine.
| Feature | Extra-Care Housing | Sheltered Housing | Residential Care Home |
|---|---|---|---|
| Accommodation | Self-contained flat or bungalow | Self-contained flat or bungalow | Single room or suite |
| Level of Care | Flexible, tailored on-site support | Emergency call system, occasional help | Continuous, round-the-clock care |
| Independence | High degree of independence | High degree of independence | Reduced independence |
| Personal Care | Included and flexible | Arranged separately | Included |
| Meals | Often available on-site | Prepared by resident | All meals provided |
| Regulation | CQC regulated for care services | Not CQC regulated | CQC regulated |
Navigating the journey to UK senior care
For many, moving into extra-care housing represents a positive choice to downsize into a more manageable and social environment, while still retaining independence. The process of finding and funding this type of care can be complex, but there are resources available to help.
How to get started
The first step is to contact your local council's adult social services department and request a care needs assessment. This free assessment will determine your care requirements, regardless of your financial situation. If the assessment determines you have eligible care needs, a financial assessment will follow to work out how much you might have to contribute towards the cost.
Funding options
There are several ways to fund extra-care housing, depending on your circumstances. Options include:
- Local Council Funding: If your savings and capital are below the national threshold, your local council may provide financial support based on your financial assessment.
- NHS Continuing Healthcare (CHC): For individuals with significant and complex health needs, the NHS may cover the full cost of care, including accommodation, after a separate assessment.
- Self-Funding: Many people fund their own care through savings, income, or the sale of their previous home. It is crucial to understand the total costs involved, including service charges and extra expenses.
- Benefits: You may be eligible for certain benefits like Attendance Allowance (for personal care needs) or Pension Credit (for low-income pensioners) to help with housing or service costs.
For more information and detailed advice on housing options for older people, you can visit the Age UK website.
Conclusion
While the term what is assisted living called in the UK doesn't have a single, direct answer, the closest match is extra-care housing. This option offers a blend of independent living with the security and reassurance of on-site support, making it an excellent choice for many older people. By understanding the distinctions between extra-care, sheltered housing, and care homes, and by engaging with your local council for an assessment, you can make an informed decision that best suits your needs and promotes your well-being in later life.
