Everyone hopes to remain self-sufficient for as long as possible. However, when the time comes for your loved one to need more care, there are a few options to consider. While it’s not perfect for everyone, it’s often ideal to be able to stay in your own home. Staying in their own home maintains a sense of comfort and stability, while also allowing for maximum independence. As you prepare for live-in care, there are a few things you should do:

Determine the best type of live-in care

Live-in care refers to care in which the caregiver lives with the client for one or more consecutive 24-hour periods. Depending on your loved one’s needs, this can be short- or long-term. Short-term care might be needed after surgery or while the usual family caregiver is away. Long-term care would be required in the case of permanent mobility difficulties or other challenges that make everyday tasks challenging.

Set up a living space

Regardless of the duration, the caregiver will need somewhere to sleep and store their personal items. A private bedroom is ideal for all involved but is not always required. A living room or office can be converted into sleeping quarters in the case of a smaller home. The caregiver will need access to a bathroom and kitchen facilities. They will generally cook for and eat with you or your loved one, so there is no need for separate kitchen facilities.

Update your house and/or car insurance

When you prepare for live-in care, it’s critical to have your loved one update their house insurance (if you have any). Additionally, if the caregiver will be using their car, be sure to add them to the coverage as an additional driver. Failing to do either of these things can affect any claims you might make, so always look into this in advance — an ounce of prevention is worth a pound of cure!

Consolidate personal information for easy caregiver access

You probably know your loved one’s doctor and pharmacy information, who to contact in an emergency, and whether they have any dietary restrictions. For simplicity, compile all information into one easy location; include any relevant medical, personal, and household information.

Sort out how to handle everyday expenses

Will the caregiver be handling the grocery shopping or putting gas into the car? If they will be spending money on behalf of your loved one, they’ll need to have access to money (either petty cash or with a separate bank account and a debit card) and have a way of being accountable for it. Always collect receipts and decide how you want to handle any additional (or emergency) expenses. No matter the method, make sure everyone involved knows what is expected of them.


When it’s time to consider live-in care, it’s necessary to plan ahead and be organized. What additional questions do you have about live-in care? Leave them in the comments below, and we’ll do our best to answer them.

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