Write down the whole cost
Create a monthly table for home help, food, transport, appointments and equipment. For every quotation ask what is included: visit length, travel, consumables, installation, subscriptions and maintenance. Separate one-off charges from recurring payments. A low purchase price may come with further costs; do not confuse the price of a device with the cost of using it. Record the currency and whether quoted charges include tax.
Compare without pressure
Ask for written quotations covering the same need and number of hours. Clarify staff replacement, cancellation, equipment returns and price increases. Agree who pays and who checks invoices, with the person’s consent. Do not transfer property or take out a loan simply because advertising promises long-term care. Seek independent advice before decisions that affect housing or family assets; an informal family agreement is not a substitute for appropriate legal advice.
Review the plan
Set a review date and allow a contingency for unexpected needs where your finances permit. Ask the local social service about possible support before counting it as guaranteed income. Do not assume that a pension or scheme from one country applies in another. AgeCare helps you prepare comparison questions; it does not set providers’ prices, arrange finance or approve benefits.
