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Get Paid to Care For Elderly Parent
Can you get paid for taking care of an elderly parent? How do I get paid to take care of my elderly mother and father? Caregivers have many questions about getting paid to care of an aging loved one. These articles and expert answers will help you find out if you are eligible to get paid, and how to apply.

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Problems: There are many cases where family members are not united in their efforts to support the sick individual in their family. In many scenarios, there is only one family member who would step up to the plate and do nearly “everything” to take care of the sick person – financially, physically, and emotionally.

Solutions: There should be family meetings well before anyone in the family is sick. The topics of these meetings should include: who in the family will be responsible for the finances; who makes the medical decisions; where the senior care facilities will be; who will designate the conservatorship with the federal and state agencies; whether there should be a living trust and/or a will; and what the family can do together to support if a family member becomes ill and/or disabled.

Finances

Problems: A major problem is that many families are unaware of their collective assets: investments, stocks, land, property, 401k, living trusts, life insurance plans, disability insurance plans, social security, retirement plans, etc. In addition, there are issues such as: a family member with memory disability, and unintentionally forget where his or her assets are.

Solutions: While the family members are healthy, it is time to sit down, have a family meeting, and honestly discuss the financial abilities of each family member. For example, assets could easily be wiped out with just a one-month hospital stay with a private pay.

Managed Care

Problems: Many people in the general public do not know what the term “managed care” is, nor its benefits. In addition, even if they do know what managed care is, they have a hard time deciding what plan is right for them and their loved ones. Professionally regarded as Managed Care Organization (MCO), examples of managed care health plans, models and procedures include: PPO (Preferred Physician Organization), HMO (Health Maintenance Organization), Blue Cross, Blue Shield, Aetna, etc. Some examples of the benefits of properly-selected managed care include: optimized hospitalization; access to branded drugs versus generic drugs; determining co-pay versus out-of-pocket expenses.

Solutions: A primary solution would be to choose a health care plan that would be the most beneficial, the most impactful and the most supportive for the needs of the family members. Secondly, plans need to be well-studied and well-scrutinized. For example: If an individual is young and healthy, then an HMO apparently might be a good choice. However, as one is growing older, a PPO would be a better choice, because it gives an individual the ability to choose the health care specialists that are best for his or her health care needs. In many cases, what costs more may be more beneficial and more positive in the long run.

Medi-Care

Problems: An individual at the age of 65 years and older is entitled by the federal government to Medi-Care benefits. However, their benefits are limited. The problem with Medi-Care is that many physicians do not accept medicare patients in their medical practice. In addition, Medi-Care is not applicable for many medical services nor is Medi-Care accepted for certain drugs. In many states, Medi-Care has an ambulance charge limit of once per year. In most cases, there is a co-pay for services charged through Medi-Care. Therefore, if a person does not have access to cash nor other medical coverages, who will pay for this overflow? Medi-Care has too many types and categories, and this makes the services rendered more complicated for the patients, the medical providers and the institutions. There have been cases where hospitals will discharge patients prematurely when their coverage reaches its maximum. Medi-Care does not pay for Assistant Living and they limit hospitalization care and coverage. After a patient’s death, Medi-Care does not cover funeral expenses. This adds to the financial hardship of family members or the caregiver.

Medicaid

Problems: Medicaid is a federally-supported and state-funded program intended for the very poor. Each state has its own plan for its constituents. Many health institutions would not accept Medicaid. In essence, having Medicaid is nearly the same as not having any insurance. With Medicaid, health services and medications are very limited. For example, patients are given generic drugs versus branded drugs. Medicaid does not pay for Assistant Living care. It only provides very limited hospitalization and outpatient care. Medicaid has very limited options, if any, for the patients.

Assisted Living

Problems: The primary problem that caregiver Carolyn Brent experienced with select Assisted Living institutions is that they give a false sense of security for the quality of life for their patients. Since they are private organizations, Assisted Living organizations are profit-driven, primarily for their own benefit versus the patient’s well-being. Carolyn experienced the “bait and switch” process that they used to lure and deceive. For example: At the time of her father’s admittance at one facility, the organization over-promised their commitment to his well-being. Problems included: changes in management without honoring original contracts and commitments; excessive bills and price hikes; poor services; and lack of proper medication administered. Activities of Daily Living (ADL) includes: personal hygiene, food, medication, and room upkeep. However, these are normally not up to standard. Lastly, there is no diversity in Assisted Living, because only individuals with money or those with a long-term care insurance will have this benefit. There are no special programs to pay for Assisted Living.

Veteran’s Aministration vs. State of California

Problems: Veteran’s Administration is a federal agency. The federal government does not accept the policies of the states, and vice versa. Veteran’s Administration is a federal agency. The federal government does not accept the policies of the states, and vice versa. In Carolyn’s case, a legal guardian was appointed by her father on the federal level while he was in good health. The patient was a war veteran and Purple Heart hero, with guaranteed rights and privileges for the rest of his life. However, twelve years later, a different family member petitioned for conservatorship through the state, requesting for legal guardianship for the patient. This caused a conflict for the family members. The federal government was very slow in its action to support the patient’s needs. The state government, on the other hand, would not investigate the problems properly. Adding to all this, the primary guardian received a message from the federal government that if the case is investigated and closed, there are no appeal rights. This problem happens every day and affects the lives of patients and caregivers across the country.

 

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