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Protecting Your Aging Relative's Financial Security

Article Description:
====================

Your aging relative needs help at home. Before hiring home care,
take time to protect your care recipient's financial security.
It's not that you don't trust, it's that you value prudence.


Additional Article Information:
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425 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2008-02-06 10:48:00

Written By: Denise M. Brown
Copyright: 2008
Contact Email: mailto:denise@...


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Protecting Your Aging Relative's Financial Security
Copyright (c) 2008 Denise M. Brown
Caregiving.com
http://caregiving.com



You notice that your mom needs more help at home. You decide to
look at home health care to help with your personal care and
housekeeping.

Your down-on-his-luck brother reappears, anxious to heal the
family rift and help care for your parents. "I want to get
involved," he says. "You can trust me now. I'd like to help
manage the money and the decisions."

Before hiring home care or granting access to the purse strings,
take time to protect your care recipient's financial security.
It's not that you don't trust, it's that you value prudence.
Some suggestions:

1. Freeze your care recipient's credit reports. Freezing the
reports means that new credit cannot be opened in your care
recipient's name. New credit cards can't be opened, and major
purchases cannot take place under your care recipient's credit.
Read this tip for more information:
http://caregiving.com/yourcare/html/weeklytip329.htm

2. Consult an elder law attorney about protecting assets by
creating a living trust. You can hold property and assets in a
trust-which guards against an individual moving ownership of
assets from your care recipient to him or her. Visit here for
more information:
http://www.nolo.com/article.cfm/objectId/02B5FD86-BB5F-4F9C-88C5E
D4A0D7F64BC/309/227/FAQ/

3. Secure documents such as checkbooks and tax returns as well as
expensive items, such as jewelry, in a safe or safety deposit
box. Don't leave temptations unattended.

4. If you haven't done so already, have a durable power of
attorney for health care and finances drawn up for your care
recipient. If you live in one state and your care recipient in
another, have an elder law attorney create documents for both
states.

5. Use direct deposit for Social Security checks (and other
monthly checks, such as pension). For more information about
enrolling in direct deposit, call the Go Direct helpline at (800)
333-1795 or sign-up online at http://www.GoDirect.org.

6. When hiring in-home help, always do a background check and
call references (and ensure a home care agency does, as well).
You can check out home care agencies at Home Care Compare, a
service provided by Medicare. Visit here:
http://www.medicare.gov/HHCompare/Home.asp?

7. Ask friends and family members for referrals when hiring help,
whether through an agency or on your own. These recommendations
can be invaluable.

8. Communicate clearly your expectations of everyone involved in
caregiving-included hired professionals. And, keep the lines of
communication open: Ask questions, welcome feedback and listen
carefully.

9. Stay involved. Make unannounced visits when the home care
worker will be with your care recipient, stay on top of financial
information, and question anything that seems odd or unusual.

10. When your gut screams, act.




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Denise M. Brown, Professional Caregiving Coach, offers insights,
information and inspirations for family caregivers on her website,
www.caregiving.com. Visit the website to learn more about managing
the caregiving experience, to join online support groups, and to
take a teleclass to discover the meaning in your caregiving
journey.


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