Aging at Home with Agency Care

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In the Comfort Life Spotlight

The costs of aging at home
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Ethel, nearly 80, has knee replacement surgery but falls and breaks a hip on the way to the basement laundry room. After two months in hospital and rehab, she and Graham face a very different scenario. During Ethel’s hospital stay, Graham continued with the usual supports but began to neglect his personal care and became depressed and increasingly forgetful.

The community care agency decides that Ethel and Graham need more help, so assistance with showers is increased and Ethel receives a total of two hours per day of personal care, as well as a weekly physiotherapy visit. Graham also needs help with personal care, cueing to prepare breakfast and microwave the frozen Meals on Wheels entrées, assistance on errands beyond what a taxi driver can provide, and general companionship.

Home care companies

In-Home Assisted Living Inc.  

2 St. Clair Avenue West, Toronto, Ontario, M4V 3A1

In-Home Assisted Living offers caregivers and nurses to help seniors and people with medical challenges to remain living in their own home with safety and comfort. Also ask about our hospital bedside support.

Lifestyle Options: Respite care, Assisted Living, Memory Care, Long-term care, Home Care

Richmond Heights Health Clinic and Home Care  

10520 Yonge Street, Unit 4, Richmond Hill, Ontario, L4C 3C7

Richmond Heights Health Clinic & Home Care, provides compassionate 24 hour personalized senior care services with bonded, registered & licensed Nurses / RPN's, in your home, hospital, rehab, LTC & retirement communities.

Lifestyle Options: Respite care, Assisted Living, Memory Care, Long-term care, Home Care

Nurse For Care  

2390 Eglinton Avene East, Suite #224, Toronto, Ontario, M1K 2P5

Nurse for All offers medical and non-medical care support for people of all ages & needs in the GTA, Ontario, Alberta, BC, Nova Scotia at home, hospital, retirement home or long-term care facility.

Lifestyle Options: Respite care, Assisted Living, Memory Care, Long-term care, Home Care

Take It Easy Care Inc.   

Ajax, Brock, Clarington, Pickering, Scugog, Uxbridge, Whitby, Oshawa, Ontario, .

Our clients are at the heart of everything we do. We believe in tailoring our services to meet their unique needs, recognizing that no two individuals are the same. Whether it's medical care, companionship, or assistance

Lifestyle Options: Respite care, Assisted Living, Memory Care, Home Care

The consequences of hiring a PSW

An eldercare consultant suggests that a permanent part-time personal support worker (PSW) should come in for a few half-days per week. She will provide morning personal care, prepare breakfast, do laundry and basic cleaning, heat and serve a hot lunch, check supplies and be sure Graham is clear about heating up dinner. She will also use their car to accompany them on errands. She will be hired from an agency so she will be more expensive, but the agency guarantees that she is bonded, insured and health and police-checked. She will also be automatically replaced if unavailable or ill and will be supported by an agency registered nurse for questions or concerns. All billing will be handled through the agency office at a rate of $25 an hour.

These new care requirements include reinstating the car expenses and increasing the car insurance for a non-family driver, for a very different monthly cost and a challenge to their current monthly income of $3,360.

To pay for the services of Cora, the new PSW, their son Peter looks into a reverse mortgage so that they can access the capital in the home. The payouts are tax-free, and Graham and Ethel need not begin repayments as long as they live in the house. However, they are leery of pledging the home they worked so hard to pay off. This is a major financial decision that they should discuss with a trusted financial adviser.

This look at home care vs. retirement living was last updated in 2017 - ed. 

Other articles in this series

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