Funding Options For Your In-Home Care

Understanding Costs and Ways to Pay

The cost of long-term care varies as much as the care itself, and by how much support you or a loved one needs. In this section, Comfort Keepers^® reviews common funding options for in-home care, senior housing, and other long-term care services. Care can range from a few hours a week of companionship or personal support to full-time in-home care, as well as options in assisted living or nursing homes.

How much does in-home care cost?

Our services are tailored to your needs and budget. A Comfort Keepers Client Care Specialist will meet with you and your family to create a personalized plan of care. Because each Comfort Keepers office is independently owned and operated, pricing and services vary by location. Please contact your local office for a complete list of services and current rates in your area.

Do I have to pay for all home care myself?

Not necessarily. We can help you explore options beyond paying out of pocket. Your local office can review whether your personal or group insurance may include benefits that cover certain in-home supports. We can also connect you with your local government home-care program to discuss eligibility and available services.

Depending on your circumstances, some expenses related to home care may qualify for tax relief. Examples can include the Disability Tax Credit (DTC), the Medical Expense Tax Credit (METC), and the Canada Caregiver Credit (CCC). Eligibility and documentation requirements apply. Comfort Keepers can provide general information, but for advice specific to your situation, please consult the Canada Revenue Agency (CRA) or your financial advisor.

Making use of every appropriate funding source can help your loved one receive the level of care they need—and provide your family with greater peace of mind.

The financial impact of family caregivers

At first glance, professional in-home care may seem costly. Yet many families find the true cost of caregiving is the time, energy, and income they sacrifice to support a loved one. Coordinating appointments, driving to errands, preparing meals, managing a second household, and providing daily companionship all take time; often on top of work and other family responsibilities.

Reduced hours, missed promotions, or stepping back from a career have real financial effects today and in the future. When you consider those trade-offs, the quoted cost of a qualified, insured in-home care provider can look different. With a reputable agency, you remain in charge of your loved one’s care plan, while trained caregivers handle the time-consuming day-to-day tasks.

The result is confidence that your loved one is receiving reliable support, while you regain time for work, rest, and family life. For many, bringing in help is a practical, and compassionate, financial decision.

Long-term care insurance

Long-term care insurance may help cover some costs of extended care and protect savings. Premiums and coverage vary by insurer, age at purchase, health, and selected features. Policies also differ in what they cover. Some include nursing homes, assisted living, and in-home care, while others are more limited.

If you are considering a policy, review these points closely:

• Coverage scope: Confirm the settings and services covered (e.g., in-home care vs. facility-based care).
• Premium changes: Understand how premiums can rise over time and how long coverage lasts.
• Elimination period: Many policies include a waiting period before benefits begin; longer waits often mean lower premiums.
• Benefit amounts and inflation: Check daily or monthly benefit limits and whether inflation protection is included or available as a rider.

Because the marketplace evolves and terms can be complex, speak with a qualified advisor to determine whether long-term care insurance fits your needs and budget.