When a Loved One Needs More Support Than You Can Give Alone

Caring for an aging parent or loved one is one of the most meaningful responsibilities a person can take on—but it can also be one of the most overwhelming. At some point, many families realize that what their loved one needs goes beyond what can be managed alone. Whether it’s around-the-clock supervision for dementia, help with mobility after surgery, or simply peace of mind knowing someone is there through the night, 24-hour in-home care becomes more than a luxury—it becomes a lifeline.

But with that realization often comes another question: Can we afford this?

Understanding the cost of 24-hour care is a crucial step in making the best decision for your loved one. Let’s break it down together.

What Is 24-Hour In-Home Care, Really?

There’s a difference between live-in care and 24-hour care, and that difference impacts cost and coverage.

Most families choose 24-hour care when their loved one requires active assistance throughout the night or cannot be left alone for safety reasons.

What Does It Cost in Southern California?

The cost of 24-hour in-home care in Southern California can vary based on several factors, including the level of care needed, the agency you choose, and the qualifications of the caregiver.

On average, you can expect:

• Hourly care through an agency: $28–$40 per hour
  

• 24-hour coverage (two 12-hour shifts): $600–$850 per day
  

• Monthly cost: $18,000–$25,000+
  
  

Additional overtime may also be applied. Yes, it’s a significant investment—but for families dealing with high-stakes health needs or the emotional toll of caregiver burnout, it’s often the safest and most sustainable solution.

Think of it this way: just as you wouldn’t leave a newborn baby home alone at night, many seniors with cognitive decline or complex medical needs also need that same level of protection, comfort, and oversight.

What’s Included in the Cost?

The hourly rate or daily rate typically covers more than just “babysitting.” At 24 Hour Caregivers, our caregivers assist with:

• Personal hygiene and toileting
  

• Medication reminders
  

• Meal preparation and feeding
  

• Mobility assistance and fall prevention
  

• Companionship and emotional support
  

• Light housekeeping
  

• Transportation to appointments or errands
  
  

And because all of our caregivers are in-house W-2 employees (not independent contractors), we handle all background checks, training, supervision, and insurance—so you don’t have to worry about liability or quality.

This structure not only creates better outcomes, it fosters more trust and consistency for the families we serve.

How Can Families Afford It?

The cost of 24-hour care can feel daunting, but there are options to help ease the burden:

• Long-term care insurance: May cover a portion or all of the costs depending on the policy
  

• Veterans’ benefits: Many veterans or their surviving spouses qualify for assistance through VA programs
  

• Reverse mortgages or home equity: For those who own their home, tapping into home equity may help fund care
  

• Family cost-sharing: Some families divide expenses among siblings or close relatives
  
  

We also work with families to create flexible care plans that can start small and scale up as needed, helping you balance quality of care with financial sustainability.

Why In-House Caregivers Make a Difference

When a new caregiver walks through the door, families want to feel confident that their loved one is in safe, compassionate hands. That’s why we invest in hiring, training, and retaining our own caregivers—not outsourcing.

This model allows us to ensure:

• Better communication and accountability
  

• Reliable scheduling and coverage
  

• Caregivers who truly feel like part of your extended family
  
  

It’s not just about filling shifts—it’s about building relationships.

Let’s Navigate This Together

If you’re exploring 24-hour care for a loved one, you’re not alone—and you don’t have to make the decision alone either.

We’re here to answer questions, listen to your concerns, and help you find a solution that makes sense for your family.

Reach out today for a compassionate, no-pressure conversation about your options. Your loved one’s safety and dignity matter—and so does your peace of mind.