Working in the professional care field may be perfect for you and your family. Many professional care workers are working to support their families and this job can be the ideal balance when managing family life and work. However, some carers still seem to be relying on the help of payday loans. In this article, we have researched the job of a professional carer, the salary and the pros and cons of the job.
How to become a carer
To become a carer, you do not need any formal qualifications. However, there are courses, including college courses which will provide you with the skills you need to be a successful carer for the elderly. When applying to become a carer, employers may ask for a related qualification, for example, a BTEC or NVQ in Health and Social Care.
Before being employed as a professional carer, workers would have to undergo a Disclosure and Barring Service check. Also, certain training certificates are mandatory. Some of these include Health and Safety including Fire Safety, Moving and Handling and Food Safety and Hygiene. However, the certificates which must be passed depend on which type of care is provided; some must be taken annually while others are every 2/3 years.
More qualities required to become a carer
You should be:
- Supportive, encouraging and patient
- Able to communicate well
Analysing the Care Industry in the UK
It is estimated that the Care Industry employs 1.4 million people in the UK. Between 2004-2010, the number of domiciliary care agencies increased by a third at the same time as there was a 10% fall in residential care services. It would seem to make financial sense in that home care visits would cost on average £370 per week (for ten visits) while a week’s stay in a residential nursing home would cost £995 a week. Also, from a psychological point of view, it is better for patients to be discharged into their own homes to recuperate and convalesce with the help of visiting health professionals and care workers. This system also allows groups like the blind to remain independent but to receive support if necessary.
Care Workers and Zero Hours Contracts
Some employers are making increasing use of zero hours contracts to hire staff. The Office of National Statistics said that it had risen 21% from June 2015 to June 2016 in general while during 2008-2012, 55.7% of domiciliary care workers were on such contracts. They offer a flexible workforce without the cost of agency fees and allows them to cover temporary staff shortages. Although the professional carer is entitled to annual leave, rest breaks and the NMW/NLW, they do not have the right to redundancy, a statutory minimum notice period while sick pay is not always included.
How Much is Carers Allowance?
You can get £66.15 a week if you care for someone on certain benefits for a minimum of 35 hours a week.
How to Claim Carers Allowance
You can make a claim for carers allowance online, via gov.uk. You can also claim via calling the Carer’s Allowance Unit on 0800 731 0297.
How You are Paid Carers Allowance
You can choose to receive the money every week or every 4 weeks. The money will be paid into your bank account.
Payday Loans for Professional Carers
Professional care workers tend to be unskilled employees and/or women returning to the workforce after having children. On an average salary of £15,000 per year, their accommodation could take up to two-thirds of their salary. Those with children would also have to budget for childcare, and if they are on a zero hours contract, this would be tough to arrange especially if they are not guaranteed regular wages or are penalised for refusing work at short notice.
Commuting by public transport continues to increase while those who need a car to be able to visit different clients over the course of a working day have other difficulties. If they are not paid the standard mileage allowance for petrol, then this money must come out of their pocket. Being a car owner, they incur other expenses such as car maintenance, repairs if something goes wrong, insurance as well as the MOT.
Many are unable to put money aside for unexpected expenses and on their salary are not likely to be offered much in the way of overdraft or credit facilities by the bank. As a result, many turn to short term credit online as a way to cope with the shortfall in their salaries.
Finally, salaries for professional care workers have remained static over the past few years so, with increases in the costs of living, they have effectively seen a drop in the value of their earnings.
The number of people over 65 in the UK has increased by 47% since 1974, so they now make up nearly 18% of the population. In 2015, the Office of National Statistics predicted that the number of over 75s in the UK is due to reach nearly 10 million in 2039 and 1 in 12 will be over 80. These statistics of an aging population show how many more professional care workers will be needed in the future to assist these and other vulnerable members of society.
Although the demand for their profession is there, it is not sure that their contribution will be rewarded with a better salary and better treatment in terms of working conditions and working practices. Already, there are worries that the country cannot afford the costs of an aging population.
It would seem that, unless there is an increase in salaries for professional care workers, payday loans for professional carers will continue to be a necessity for the foreseeable future.
✝Payday loans should not be used to help with long term money problems.