While hiring a specialist to be the caregiver for your loved one may be a great option, more and more frequently, we are finding family members that have chosen to set aside their own careers and stay home in order to become the caregiver themselves. What a wonderful gift to your loved one! If you are one of those special people that has selflessly given up your career options in order to stay home and take care of your family member, we salute you! That is a huge commitment and a real blessing to those you serve.
We hear from people in this situation all the time, venting their frustration regarding finances and how hard it can be to make ends meet when choosing to stay home to care for a loved one, versus working 40+ hours a week at a regular job. It is a sad reality that those who best understand the wants and daily needs of the person receiving care are often unable to receive payment for their services. Being a caregiver is a full-time job and it’s nearly impossible to do it well while also trying to maintain employment for pay elsewhere.
Even when your loved one has Long-Term Care or Disability insurance that will pay for their care, family members are typically excluded from providing that care and getting paid for it. Does that make any sense at all? You know your parent or loved one better than anyone and they are certainly comfortable with you, so why do you have to hire a stranger to enter your home and provide that same care in order for the insurance to pay an hourly wage?
There is no doubt that insurance companies are trying to avoid cases of fraudulent billing and I’m sure there have plenty of abuses to justify their concern, but not everyone is committing fraud. Most of us are simply trying to do what is best for our family members. If you are caught in this situation, we understand your frustration and would like to offer our help in finding a solution.
Did you know that many insurance policies actually allow family members to be the paid caregiver AS LONG AS THEY ARE DOING SO AS AN EMPLOYEE OF A COMPANY THAT PROVIDES THOSE SERVICES? That’s right! The family member exclusion is often negated if the caregiver is willing to be become an employee of a company that provides caregiver services. If this is you, we would like to talk with you. There may be a silver lining after all! How nice would it be if you were able to stay at home to care for your family member and get paid for your time, just like you would have to pay one of our employees to come help you? Talk about a game changer, right?
If you or someone you know is in this position, give us a call today and find out how we can help! Let us review your Long-Term Care or Disability policy to see if we can help you. If we can, we will setup an interview and discuss next steps to becoming an employee of Living Better Wellness so that you can continue doing what you are already doing today, but finally get paid for it!