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CARENOTES | Past Carenotes | Let's Talk

Carenotes

Welcome to CareNotes. In this special section we will feature a reader's letter and provide an opportunity for an interactive exchange that will help find some answers and possible solutions to concerns. If you wish to respond to this letter, simple follow the link provided at the end of the letter and add your comments and thoughts to our CareNotes Board.

This Week's Carenote - 8/18/10

Hello,
I have a question for you.  I am looking for some financial assistance. The following is my situation.

I am 41 years old, and live with my parents.  In November 2009 I had to quit my full-time job to stay home and provide healthcare to my mother, who has severe rheumatoid arthritis and other health problems. I have no income whatsoever coming in. My parents get Social Security, but they also have a mortgage (and will not do the "reverse mortgage" thing), and they are paying my car payment and my COBRA insurance, not to mention their bills.  I also have mobility problems but do not qualify for disability.  I was wondering if you have any ideas on what I could do to get some sort of money coming in.  Medicaid? Medicare? There has got to be something or someone who can help me, I just don't know where to look. Any info, contacts, suggestions, or ideas you have would be greatly appreciated. Thanks so much for taking the time to read this.
 
M

 

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Name: Caregiver Trainer
Location: California
Date: 08/23/2010
Time: 08:40 AM

Comments

Since you were working full time, your employer probably has some incentive or benefit that permited you take some time off either accrued vacation or sick time. If these were paid out or exhuasted you may also qualify through your state for the subprogram of State Disability called Paid family leave. You can receive up to six weeks of benefits that may be paid over a 12-month period. The Paid Family Leave benefit compensates workers who suffer a wage loss due to the need to provide care for a seriously ill family member or to bond with a new child. You qualify if payroll deductions were taken by your employer. Employers were required to deduct the Paid Family Leave contributions from your wages since January 1, 2004. The Paid Family Leave insurance program is fully funded by your contributions, similar to the SDI program. Benefits are payable for Paid Family Leave insurance claims commencing on or after July 1, 2004. In other words, benefits will not be paid for leave taken prior to July 1, 2004. Employees receive partial salary payments for up to six weeks of approved leave. The six weeks do not need to be taken together. If you have more questions or need an application, you may request one from EDD (Employment Development Department). Call (877)-BE-THERE (English), (877) 379-3819 (Spanish) or (800) 563-2442 (TTY), or visit www.edd.ca.gov for further information. You might also benefit from contacting your Area Agency on Aging County Offices which can help you identify cost saving services and programs developed to aide seniors and disabled individuals in your county.


Name: Barbara
Location: Johnstown NY
Date: 08/19/2010
Time: 05:21 AM

Comments

Depending on where you live, you may be able to apply for public assistance or food stamps and medicaid. Also you may be able to get paid for caring for your parents. I would apply for PA asap and then look into the second idea. Also if you have not applied for disability for yourself you should do that too. Good luck!!


Name: Gloria R.
Location: los angelas ca
Date: 08/18/2010
Time: 02:29 PM

Comments

Depends on what stae you live there is IHSS Program which pays caregivers to care for those who can't care for themselves.Try calling your city or county offices


Name: Yvonne Lange
Location: Aberdeen South Dakota
Date: 08/18/2010
Time: 11:21 AM

Comments

See the site, www.about.com, under 'work at home moms' section, and click on the tab 'finding a job'. This site lists legitimate work-at-home companies (and also lists the scams). Your state job service may also have connections with companies that hire 'telecommute' jobs, especially if you are near larger metro areas. Good luck!


Name: Carole Fiedler, Innovative Settlements
Location: Northern California
Date: 08/18/2010
Time: 09:22 AM

Comments

Hi, You didn't mention if your parents have a life insurance policy. If either of them do, there is a secondary market for life policies, meaning that there are companies who, if the criteria is met, will purchase the policy at a discount from face. It's like the reverse mortgage concept, but there is no collateral. They get money when they assign the policy and the buyer takes over ownership & premium payments. It's called a Life Settlement, and when a person with a terminal illness sells a policy, called a viatical settlement. Hope this helps - Carole If I can help you, email is: Carole@InnovativeSettlements.com


Name: Crystal
Location: Colorado
Date: 08/18/2010
Time: 07:30 AM

Comments

Most states have programs through Medicaid/MediCal that will pay a caregiver a small amount of money to care for a loved one. Your mother would have to first qualify for Medicaid. Sometimes the programs are called In Home Support Services or Home and Community Based Services. These programs will also often pay a caregiver through an agency, which may allow time for you to work a little. Also look into caregiver tax breaks.


Name: Brain Injury Association of Massachusetts
Location: Massachusetts
Date: 08/18/2010
Time: 07:19 AM

Comments

If you live in Massachusetts, send an email to biamase@biama.org. There are a couple of programs in this state that might be able to help.


Name: Connie
Location: Portland, OR
Date: 08/18/2010
Time: 07:08 AM

Comments

While you say you have mobility problems yourself, you might want to see if you can be qualified as your parents caregiver and get paid by medicare/medicaid or the state to pay you to help them. (I have had to do the same thing, but am fortunate enough that they can afford to pay me a salary until I qualify for SS and medicare). Would a part time job be out of the question?


Name:
Location:
Date: 08/18/2010
Time: 06:13 AM

Comments

CHECK WITH THE DEPARTMENT OF REHAB SERVICES IN YOUR AREA. YOU CAN GET PAID AS A PERSONAL SUPPORT ASSISTANT FOR YOUR PARENTS IF YOU OR THEY QUALIFY. GOOD LUCK


Name: Jeanne Palmer
Location: Margate, FL
Date: 08/18/2010
Time: 05:44 AM

Comments

Hi M, Your letter hit home with me! I too was a family caregiver, without a job - and just yesterday I found a website for Tory Johnson, GMA. She lists some legitimate at home work sites that I'm going thru. Her website is backed by ABC News. I hope that this helps you. If you would like to stay in touch with me, my e-mail address is: jpalme58@att.net. Jeanne


 







 

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