Family,Caregivers,Get,Reimburs health Family Caregivers: Get Reimbursed for Providing Your Homecar

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Many of us will gladly take Mom to her doctor's appointments,administer medications, and check in if the need arises without asecond thought. But with millions of loyal children caring for agingparents out of their own pockets, a little financial relief is welcome.Few family caregivers are aware that you can get paid - however smallthe amount may be - to care for Mom and provide homecare services. Dueto the long working hours, however, some adult children caregivers havebeen forced to leave their full-time jobs or even scale back theirhours spent on the clock, leading to a significantly reduced cash flow.Fortunately, if being a caregiver is causing a noticeable financialstrain, there are homecare reimbursement programs that can helpalleviate some of the burden. Keep in mind, however, that you mustpractice patience when applying for these programs - make sure thatyour application is up-to-date and all the necessary attachments areincluded before you send it so that delays aren't any longer thannecessary.Long-Term Care Insurance (LTCI)Long-term care insurance, which functions as an indemnityprogram, only pays the insured the amount that was contracted at theoutset, and regardless of homecare services that are received, willonly pay that specified amount. LTCI, which covers nursing home, home health care, adult day careservices, assisted living facilities, and hospice care, offers paymentsto in-home family caregivers, though the insurance must include in-homecare and/or homecare services coverage. In certain instances, LTCIrequires that family caregivers complete a basic training program onhomecare services and/or caregiving for elderly patients. Though almostall LTCI contracts include skilled, intermediate, and custodiallong-term homecare services, don't rely on this type of insurance to beyour only fall-back when it comes to paying for in-home health care.Though for clarification, you should contact your LTCI company directlyfor details on its family caregiver reimbursement policies as well aswhat is needed to qualify.Medicaid Cash and Counseling ProgramA state-administered program, Medicaid is only available tolow-income individuals and families who meet certain federal and statelaw eligibility requirements. In other words, if you have limitedincome and resources, applying for Medicaid relief is advisable;however, you must be able to meet specific eligibility criteria.Persons over the age of 65 with limited income and resourcesimmediately become eligible as well as those who are terminally ill orlive in a nursing home.Fortunately, if the person you're caring for is either eligiblefor or is currently using Medicaid, you may be able to receive directpayments from its Cash and Counseling program, though it is availableonly to family caregivers in select states, such as Alabama, Arkansas,Florida, Illinois, Iowa, Kentucky, Michigan, Minnesota, New Jersey, NewMexico, Pennsylvania, Rhode Island, Vermont, Washington, and WestVirginia. In some cases, the person you're caring for may have too highan income, excluding him or her from the Medicaid program; some states,such as Georgia, Maine, Nebraska, North Dakota, Oklahoma, and Oregon,have accounted for this oversight and offer similar programs to familycaregivers (1). Medicaid, aware that family caregivers are often the best careproviders for Mom or Dad, will send a check directly to the recipientto reimburse for homecare services rendered, though this amount dependsupon various assessments of overall needs and the average cost ofin-home health care for that particular state. This money can also beused by family caregivers to purchase supplies, medical equipment, oreven to pay for ADLs (activities of daily living). To find out if yourloved one is eligible or for more information on the Cash andCounseling program, please call the National Program Office at617-552-2809.Making the Arrangement with Mom OfficialSince money is involved, it's recommended that family caregiversdraw up some sort of short, typewritten contract that outlines theterms of the caregiving situation in depth, including the pay rate andfrequency, job description and homecare services that will be provided,and how various expenses will be reimbursed (if applicable). Hiring anattorney or other legal professional will help all family caregiversinvolved create a legal document that prevents sticky situations fromarising. It's also important to remember that this payment is viewed as incomeby the government, so all family caregivers must report their earningseach year as taxable income. Though the money received for providinghomecare services is negligible, it will help to offset many of thecosts associated with providing Mom (or Dad) with a loving, stable, andcomfortable home.Sources1. http://www.nga.org/Files/pdf/0406AgingCaregivers.pdf Article Tags: Family Caregivers, Homecare Services, Health Care, Counseling Program