Caregiver Payment Options
Finding the right senior care for yourself or a loved one can feel overwhelming—especially when you’re concerned about cost. Whether you need temporary, part-time, or live-in assistance, we’re here to ensure that finances don’t become a barrier to quality care.
Our team is here to guide you through available caregiver payment options, so you can confidently choose the most affordable and appropriate solution for your family’s needs.
Private Payment
Private payment is often the only option initially available when it comes to covering the cost of essential in-home care. In addition to Social Security benefits and private pensions, drawing on savings is sometimes the most immediate means of covering the cost of in-home care. As resources like savings, pensions and other resources diminish, the amount of available care assistance options increases. Most assistance programs determine eligibility based on an individual’s resources, and the amount of monetary assistance available is often inversely proportionate to an individual’s resources. So initially for caregiver payment options, it may be necessary to ask family members to contribute to your loved one’s in-home care costs.
Long-Term Care Insurance
The first step in planning for your loved one’s home care needs is to determine if he or she has a long-term care insurance plan. Since individuals who require non-medical home care are not sick in the traditional sense, traditional health insurance, Medicare and Medicaid do not provide for their needs. Having a long-term care insurance policy in place prior to any major changes in the health and mobility of your loved one guarantees they will have complete home care coverage assistance available if and when they need it. This type of insurance can play a crucial role in your overall strategy when exploring caregiver payment options.
Veteran’s Benefits
A VA benefit specifically available to a veteran or their surviving spouse for home care is a program called Aid & Attendance (A&A). For information, call Toll Free 1-877-222-8387 for the department of Aid & Attendance. The A&A benefit provides monthly payments to be used to help cover the cost of a home health aide. It may be best to consult your trusted professional eldercare attorney or financial planner before beginning the application process. The Veteran’s discharge papers will be needed. There is no charge to complete an application and benefits are determined based on physical and financial need. Be sure to always make copies of any forms and correspondence sent to the Veterans Administration and have patience. If you are approved, the payments are made retroactively from when you applied. It can take several months until you hear back from the VA.
Finding the right care solution for a senior loved one can feel overwhelming—especially when financial concerns are involved. That’s why our team is here to support you every step of the way. We understand that every family’s situation is unique, and we’re committed to helping you explore all available caregiver payment options, from private payment methods and long-term care insurance to valuable veterans’ benefits like Aid & Attendance.
Our goal is to ensure that finances never stand in the way of high-quality, compassionate care. Whether you’re planning ahead or facing an immediate need, we’ll guide you through the process so you can make confident, informed decisions about your loved one’s care. Don’t let uncertainty delay the support your family deserves—contact us today to speak with one of our knowledgeable team members. We’re here to answer your questions, explain your options, and help you find a solution that fits both your care needs and your budget.
Activities of Daily Living
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Transportation
Personal Care
Ambulation
Socialization and Activities
Care Management
Household Management
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