How to Pay for In-Home Care

Looking for some in home care. Anyone looking to trade room and board for help, 20 hours a week?

How much does a family member get paid through C.O.P.E.S. in Tacoma Washington. If the family member is eligible for 158 hours a month

I love your advice to talk to other family members about helping to care for your parents. Providing good care for seniors is a hard task for someone to do on their own. People often don't realize how willing other family members are to help out with these situations if they'd only ask! My siblings and I have been sharing the duty of caring for my parents for years, and it's actually done a lot to bring us closer even though we're all living in different areas of the country.

How does one go about having Medicare or insurance pay a family member as an inhome care provider vs a "service"?

Looking for a home care giver for my mother that pays $10.-$12 pher hour for 2 hours per week. Please let me know how I can contact these caregivers location of my mother's residence is in South San Francisco, CA 94080

Its beneficial

I am a friend of a Honerable Veteran. I am trying to find a the help that I cam get. Because of all the difficulties that he now has, he need help finding the help that he needs and is now eligible for them. Please send me any information that you can for Veterans.

Hi, My name is Pam my husband is on homehemodialysis here in Iowa. We are looking for some funding so i can get paid for doing the care at home. We were both trained in Souix Falls, SD. The 4 hours a day 5 times a week takes a good portion of our time. He can"t do the needle poking on his own an we were advised to have someone with at all times. Due to blood pressure issues. As well as machine melfunctions. Is there a company out there that can help?

I love that there are so many ways to help care for the elderly, my mom is going to need the help. I try to do what I can, but we have five kids, so money is tight already. I think the fact that most of these are insurance company's and things like that, just prove how helpful insurance can be.

All great ideas to consider. Here are some more. First, have a family member leave their job full-time or part-time and care for a loved one. (With appropriate training and certification this person can even get paid by Medicaid for their services). Second, have your loved one move in with you. In hundreds of millions of homes around the world this is the standard. Third, have all the siblings cut their expenses by 20% and contribute to savings. Combine multiple options. This will get you and your family over the hump. You may need to contribute less of your savings than you think.

My mom is now living in Florida with my sister. I quit my job in MN to come down and be her personal care giver. Looking for some suggestions on how to be paid to be her PCG.

Hello, Thank you for posting your comment. I am sorry you did not find this article helpful. The article speaks on several avenues to seek assistance including medicare, medicaid, and veterans benefits. Also your local Area Agency on the Aging:http://www.caring.com/local/area-agency-on-aging is a good resource for seniors on a lower income. If I can assist you in locating resources, please let me know. I am happy to help.

For people who have money this is helpful...for those who probably have long term insurance and extra insurance and a home to offer up to the government (reverse mortgage). What about people who need meals cooked and laundry done in order to stay out of a nursing home? Thosew with money do not need advise. They have what they need. Probably including a cpa and private attorney to advise them. What about the rest .. people who need help? But don't want to give everything up and end up on welfare? For benefits to be cut like foodstamps were this past year. Who cares about that? only those missing food now. Do they have computers to complain? or advocates to speak for them? not likely...not like those WITH resources already. We need to look out for those less fortunate and help them!

Why doesn't medicare pay for home health care? if you cant do your own laundry or cooking you must go to a nursing home? this is crazy!

Hello, My brother, Eric, has parkinsons stage 4... and needs a new home by the end of August 31, 2014. We need to find a low cost assistance living in Orange County, California. Would you be able to refer a few places nearby Westminster, Huntington Beach, Garden Grove, Costa Mesa, Fountain Valley areas?? Thank you so much! Looking forward to hear from you soon. Rose

Any help is greatly appreciated. I wasn't sure where to start.

I need help with my great grandmother.... Is ur home healthcare taken care of thru Medicare......

Everything! Very thorough and informative. Thank you!

Well laid out plans . Plans that are explained well

I am a 62 year old woman who lives alone. I was diagnosed with degenerative disc disease along with arthritis in 2009 and I'm finding that my ability to clean my small home thoroughly is gradually becoming more and more painful. Does anyone know if Medicare & Medicaid would cover the cost of some cleaning help? I've been on Social Security Disability since 2009.

When my mother came to live with my family her husband had saved enough money to care for her. We sacrificed alot to keep her home with us, But thank god her husband was a smart man to know i would take care of her. Only thing is now my brother is suing me for using the money. I wish i had this site when she was with me i needed support from people going through the same things.

Great article, http://www.reversemortgagelendersdirect.com/This website helped my parents get a reverse mortgage.

These are standard methods-nothing creative here. You have to qualify for aid or be a Vet.? Gee Thanks, Insurance? Of course you will check you any policy? Are your clients high school drop outs? Waste of Reading when you market this as "creative"

I am a live in caregiver I'm trying to find out the weeklt rate, for 5 days a week I also keep house clean, run errands, and take care if elderly lady, assist with bath,dressing fixing meals and meds. Can someone help me? Is room and board included or do I pay for r&b?

Does anyone know if my divorced mother of my deceased father- who remarried another woman is entitled any of his Vet (WWII) or SS benefits? Thanks!

thanks for the much needed advice about the va! iam a veteran non-service connected disability,great info for this may god bless you all inall of our help ,hpoe and needs!

i am a veteran and gives me hope that i can start working on this before its time that i can't

helped me understan reverse mortage a little better

Does Medicare pay for a home health agency to help with showers, etc. in the home? When the Alz. patient can no longer perform person hygiene and toileting tasks.

I agree that children are not the same as employees, however when one of the children gives up their job to take on the 24/7 caregiver responsibilities, there should be some sort of contract involved. I am the daughter-in-law, in 2011 I gave up my job to take care of my father-in-law who has dementia. My brother-in-law & his wife wanted to put Pops in a nursing home. My husband and I agreed that isn't how we were raised, and besides their dad wasn't bad enough to warrant being put in a nursing home. My husband and his brother agreed between them that I would be "compensated" the same amount I was earning as a part time teacher at my previous job, $200. a week. It took them nearly a year to start paying my $800. a month for the 24/7 care that I provide their father. During this time we have two daughters with their own health problems that I have also run back and forth to doctors & physical therapy. My children help where ever they can and always ask me what they can do to help. My husband & his brother in the meantime have become extremely 'stingy' with their fathers money (and believe me, Pops is not poor) and they know they are saving anywhere from 2K upwards to 6K a month by my taking care of a man who I describe as "the grandpa that every kid should have had". Brother-in-law is "too busy" to take Pops for more than a few days, about every 6 months. (He's a school teacher who has off 3 months in the summer). My husband goes out of town anywhere from 2-6 times a year for anywhere from a weekend to a week at a time. I've talked to him about both his brother not helping more and about his going out of town so often - so now I get this sad look and "would you mind if I go..." look from him when he wants to get away. Why I feel guilty when I ask for even a weekend day for myself I have no idea! At this point I'm the one who looks like I'm out for something more when I tell them that they need to transfer $$ into their dad's account so I can get his meds, depends, etc...... I feel that if there was a contract written initially I would at least have something to fall back on. At this point I feel extremely used and totally unappreciated. Unless you call grocery store flowers once in a blue moon appreciated. I will not answer the telephone when my brother-in-law calls - I don't have time for someone who doesn't have time for his own father. And as far as my husband goes, well, the saying that taking care of your parents can take a toll on a marriage is more true than one can imagine. And the sad thing is, both my husband and his brother are almost as clueless as their father in his dementia world..... .... .... Ok, I'm off my soap-box! But thank you so much, because it felt really good to vent (o: (o: (o: (I am currently in school taking online classes for Life Coaching, I'm learning to apply all this to my life... so who knows, maybe big changes are on the horizon for my hubby & his brother... (o: ) Pops has this saying "you've got to deal with the rain if you want to see the rainbows".. yeah, I love the guy!

Hello, I am a 55 yr old man, disabled with a very bad back and leg. I am almost inable to shop, cook or clean etc. Being I'm not very old, I don't need a "Caregiver" to hand out pills or take care of me mentally, but physically I don't know where to start, or even if there is something I can do?? I am on disability and have no other income or savings. Please help with any/all info you may be able to help me with. Thank You, Bill Thank You, Bill

While these comments (Another benefit of an annuity is that the sum invested isn't considered an asset when applying for Medicaid. The government counts the income paid out from the annuity, but not the amount originally invested.) are partially accurate, they are not entirely accurate as Medicaid may evaluate the transfer of your assets into an annuity as an uncompensated asset transfer and the annuitant can be penalized in the form of denied Medicaid benefits. Before rushing out to put all your money into an annuity you should really evaluate several factors. Also, if you really want to help mom and/or dad your best bet is to find an Elder Law Attorney who specializes in Medicaid planning, Asset Protection planning, Estate Planning, etc. If you don't have the proper help on your side, what you think you are protecting might not be.

Good to know.

annuity lets though money out the window

Great advice!

The article covers how to approach the issue of home health care and most important how to pay for this service. There are also agency that specialize in elder care management. This website caring . Comics extremely helpful.

My Mom is healthy other than dementia. We are getting close to exhausting her long-term care policy have been searching for options. Thanks. One almost needs a degree in eldercare to get through all of the processes.

This is a great article. However, I disagree with the last paragraph re: contracts for caregiver siblings, having just gone through myself. I think it causes MUCH more conflict to do this than to just have a family meeting and sort out what is the best way of handling various financial needs (maybe consulting with a family lawyer). Children are NOT the same as employees and to treat them this way is demeaning and causes more friction between siblings. You can easily set up a household account with a budgeted amount, to make it easier for all to generally see how much is going in and out. And then it should be pretty obvious if mom or dad is not getting the food and supplies, etc... they need. If you trust your sibling enough to take care of the parent, monitor their meds, etc.. you shouldn't have a contract to nitpick receipts, etc.. (which takes a LOT of work on a daily basis by the way). Also I found it works better to work for room and board than an income, to avoid a strict employer-employee relationship that removes the more caring, flexible dynamics of family. But I can certainly understand why someone may need or want an income.

Good article. Our company offers a free whitepaper that describes the 8 ways people pay for home care - we work hard to ensure you don't pay out-of-pocket until you've exhausted every available resource. http://www2.cooperativehomecare.com/2-how-to-pay-for-home-care/ Best of luck to all of you in your journeys with your aging parents!

We are 80 years and 70 years old and we have been turned for assisted living at home twice though we are in very good health. Is there a company that will insure us?

Just looking at all of the options you outlined made me start thinking of what I may need to start putting in place.

Liked the specifics, and I had forgotten about viatical settlements. Thanks also for including the update on the Medicare lawsuit.

The details on a reverse mortgage.

Please research deeper. Regarding the VA Aid & Assistance program. The disability/need does not have to be service related No connection necessary at all with with disability and time in service. This benefit is easy to misunderstand. I learned a lot from a great (non-VA) site (easily googled) maintained by family of someone who did get the benefits. We applied and got this for my Dad, who worked in communications during WWII. He had zero injury then or now connected with that time abroad. The benefits greatly help with the cost of my parents' assisted living. Should my Dad pass before my Mom, some of the benefits will continue. Some good general info about it here: http://www.forbes.com/sites/bernardkrooks/2012/11/15/va-aid-and-attendance-benefit-helps-pay-for-long-term-care/ Also, regarding reverse mortgage... It is of paramount importance that the home dwellers think long and hard about that--- and talk with an elder advocate about that. It is truly only beneficial if the couple truly can remain in their house for the rest of their lives. Otherwise, it appears to be a money sucker and can really hurt financially if the homeowner wants/needs to sell (e.g. to go into an assiste living or other facility).