When it's time to think about extended care for your aging loved ones, you have a few options to consider.

  • Provide care yourself, in your home or theirs.
  • Hire a part-time or full-time care giver to provide care in your home or theirs.
  •  Adult day care (respite care)
  • Assisted-living community
  • Full-time skilled nursing community

There are several benefits to home care, not the least of which is the comfort and familiarity of the surroundings. The downsides to providing home care include disruption to your schedule and, of course, cost.

Assisted living communities and full-time skilled nursing communities are able to provide for all manner of medical needs, as well as a safe, comfortable, social environment. These communities are also less expensive than outfitting your home and hiring a part-time or full-time nurse for medical assistance.

Here's how the costs break down, according to the Genworth 2014 Cost of Care Survey.

Care Type Ohio National Average
Homemaker Services $43,083/year $39,250/year
Home Health Aide $43,472/year $41,600/year
Adult Day Care $50/day $13,250/year $65/day $16,900/year
Assisted Living $47,652/year $42,000/year
Nursing Home Care (private) $238/day $87,180/year $240/day $87,600/year
Nursing Home Care (semi-private $208/day $75,942/year

$212/day $77,380/year


In-home nursing care is the one facet of home care that isn't accounted for in the Genworth research. If your loved one requires physical therapy, medication administration, wound dressing changes or other medical services, you'll also need to hire a home care nurse.

You can work through a home care agency to make these arrangements, and the cost is about $35/visit for a registered nurse. The total cost would depend on the number of visits needed per day.

If you choose to hire a full-time in-home nurse, expect to pay about $25-30/hr or $240/day for an eight-hour shift. That works out to about $62,400/year. If you combine full-time in-home nursing care with homemaker services, you're looking at more than $100,000 a year in home care costs.

AARP has a helpful long-term care cost calculator that allows you to estimate costs based on state and region in which the care will be provided.

What do you get for your investment?

Homemaker Services are limited to help with cleaning, cooking and running errands. This option is good for people who are still able to live independently, but need a little extra help around the house.

Home Health Aides can assist with homemaking tasks and also provide hands-on care such as bathing and dressing.

In-home nursing care services will help with medical needs such as medication administration, wound dressing changes and physical therapy.

Adult day care services include socialization, supervision and support in a community environment. Embassy's adult day care services also include activities, transportation, medication management, and physical therapy.

Assisted Living communities provide personal care and health services for those who don't need full-time nursing care, but still require some assistance with daily living and medical needs.

Nursing homes provide the highest level of supervision and medical care, including medication management, physical therapies and 24-hour skilled nursing care.

The Genworth survey also calculated the non-financial impact of providing home care on your own.
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If you're interested in exploring adult day care services, assisted living, or full-time nursing care for your loved one, call us at 888-975-1379. We'll help you work through your options and make the best decision for your family.