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Saving Money On In-Home Care - Getting Paid for Your Caregiving Services
Mary Alexander with Home Instead Senior Care gives some tips for providing in-home care during a recession or other difficult financial times. This video will focus on some information about ways that you can get paid for your caregiving services.
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Mary Alexander: Hi! I'm Mary Alexander from Home Instead Senior Care. And I'm discussing how to provide In-Home Care During a Recession. Now, I'm going to give you some information about ways that you can get paid for your caregiving services.
If the person you are caring for is eligible for medicate, it's Cash and Counseling program which is available in some states can provide direct payments for care that could go to you.
A few other states have similar programs for low income seniors. Even if the person receiving care doesn't quite qualify from medicate, Cash and Counseling pay seniors directly to cover their in-home care. The amount the senior receives depend on the medicate assessment of need and the prevailing pay rate for in-home care aids in that state.
Seniors can use the money to pay any one of they're choosing, including you or other family members to provide care. They can also some of the money to buy things to improve home safety or they can use some of the money to pay for services such as cleaning, meal delivery or transportation.
The first thing to do to help your senior is to determine if they are eligible for the service. If your senior loved one doesn't already have medicate coverage, you can help them apply for it or another Cash Assistance Program.
If the senior is found to be financially eligible, the program will come to their residence to assess their in-home care needs. They'll also speak with you and other family caregivers about the care currently provided and they may also speak with your loved one's doctor.
Based on the assessment of needs, the Cash and Counseling or other programs, determine how many monthly hours of in-home care assistance it would approve if the care what coming from an in-home care agency.
Using the rate that in-home care workers are paid in the state, it then figures out how much in total it'll directly pay each month to the senior to help them with in-home care services. The senior then decides who he or she wants to provide the care and how much they'll pay. They can also decide how else they might want to spend some of the money.
The program help seniors work out this plan, including paperwork and taxes. To find out whether your state has a Cash and Counseling or similar program, contact your local medicate, human services or social services office.
If the senior you're caring for, has a long term care insurance policy and it covers in-home care, there may be a way for you to be paid out of its benefit. If the policy requires that payment be made only to a state certified in-home care aid, check with the National Family Caregivers Association or The Family Caregiver Alliance to find out the requirements in your state for getting such certifications yourself. Often, low cost certification classes are offered at local adult schools or community colleges.
If the senior you're caring for, is going to pay you, it's a good idea to draw-up a simple contract that sets out the terms of the care and payment. This can help avoid uncertainty and disagreements between you, them and other family members about who's supposed to be providing care and where the money is going.
Despite difficult financial times including a recession, there are ways to get and provide the care that your senior loved one needs. More importantly, you can make sure, they have a great quality of life without breaking their back.