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Is an Advisor Service for me?

Common Caregiver Concerns

How can my family make a decision together?
Making decisions as a family can be challenging but we can help by delivering a non-biased care plan for your loved one You receive a care plan document that explains your loved one's care needs and also provides helpful content to help you make decisions. We understand the importance of getting help as soon as possible and we will work to relieve your stress and provide answers.
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Why would I pay for a service to help me create a care plan and find care?
Genworth's services are objective, professional, and offer advice and information from individuals with years of experience in the long term care industry. We recognize that senior care is an investment in time, money and emotion so we offer services to do the leg work for you.
You will work with your own Care Advocate who is a social worker or nurse. They will help assess your loved one's needs, find care providers, and help to create a plan that is tailored to your loved one's needs. Our Care Advocates have worked with hundreds of families in caregiving situations and they understand that each caregiving situation is unique. Also, Genworth does not accept referral fees from the care providers we present as options to our customers. Instead we use our expertise in the long term care industry to negotiate for discounts on provider rates and pass those savings on to you. With Genworth's Advisor Services, customer savings average $2,000* per year.
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Will the fee for this service help to cover the care provider's fees?
No. Our services help you make an informed decision about how to address care needs and select ongoing care. You will receive names, contact information, and rates for providers that meet your care needs. However, payment for actual long term care is separate and should be arranged directly with the care providers that you choose.
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How do I know which care option will be best for my loved one?
Our Care Advocates work with you to assess the care situation and develop a care plan. We then reach out to providers and check for availability, capability to meet your needs, and negotiate for a discount.
You can take comfort in knowing that providers will only be presented as options if they meet the care needs and wishes you have expressed.
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I feel guilty that I can no longer provide care for my loved one on my own.
If you are currently providing care for a loved one but their needs are becoming more than you can handle - you are not alone. Caregivers everywhere struggle with the stress of balancing their own lives with the care needs of their loved ones. It's important to remember that it is OK to ask for help. Genworth is here to support you and your family by offering services to help you determine the type of care that is best for your loved one.
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I do not want to pay more than I have to on care.
Genworth does not accept referral fees from the care providers we present as options to our customers. Instead we use our expertise in the long term care industry to negotiate for discounts on provider rates and pass those savings on to you. With Genworth's Advisor Services, customer savings average $2,000 per year. 1 At Genworth, we recognize that quality comes first but saving money is important too.
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How much will care cost?
Long term care costs vary depending on the provider type and the amount of care needed. Some providers charge per hour, while others charge per day or per month. For example, the national median rate for a home health aide is $19/hr, while the national median rate for an assisted living facility is $3,300 a month. We can help to minimize your out of pocket expenses by negotiating for discounts on provider rates. When or if you begin care is up to you.
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Will Medicare cover my costs? Who else will help me pay for care?
Generally, Medicare only covers long term care services for a short period of time following a hospital stay, and private health insurance rarely pays any long term care costs. State Medicaid programs' long term care coverage varies by state but in all cases, families must first qualify for Medicaid. Another option to help pay for long term care is through long term care insurance. Like other insurance products, in order to use your policy you have to be covered before an event occurs that requires the use of that policy.
If your loved one has long term care insurance, call them to learn about their policy requirements. Other payment sources include veterans benefits, private savings and other funding sources such as reverse mortgages. If you plan to pay directly for care, Genworth can help you find care and negotiate for discounts of provider's rates.
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How do I know if a care provider is good? Are there steps taken to ensure they take care of my loved one properly?
Genworth's services were designed with the family caregiver in mind because locating providers that deliver quality care is important to us. We reach out to several care providers and interview them about how they care for clients and how they can respond to your specific care needs and wishes. We then present multiple options to you outlining capabilities, availability and rates. If you aren't satisfied with the provider you choose, let us know and we will attempt to locate additional providers that meet your request. We always recommend that you conduct your own interviews with providers and partner with them once you have made a decision. This will help to create and maintain a relationship with them. You can find interview questions and other advice in the Articles & Blogs section.
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Do I have to start care right away?
No. Genworth's Advisor Services are here to help you locate care options, but there is no obligation to use those options or start care right away. We provide you with this information so you can make the best caregiving decision for you and your family when the time is right.
Genworth's services are objective, professional, and offer advice and information from individuals with years of experience in the long term care industry. We recognize that senior care is an investment in time, money and emotion so we offer services to do the leg work for you.
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*Based on Genworth Internal Metrics, 2013 (customer savings may vary)