Who Are Our Clients

Our actual client is not usually the person who first calls us. More often, we hear first from a family member who is overwhelmed by the burden of caring for a loved one who is mentally or physically declining. The cause of that diminished capacity varies widely—from dementia, Alzheimer’s, or Parkinson’s to an unending list of physical concerns such as arthritis and osteoporosis. Many of the calls concern a loved one who is already deep into crisis and nearing the end of their options.

Our typical long-term care client has a chronic problem that requires custodial care. In other words, our client is never going to get well. The governmental benefit known as Medicare limits coverage to skilled medical attention under a plan of care as authorized by a medical doctor. Medicare does not cover chronic problems; chronic problems that cause an individual to need nursing home care or an assisted living facility were never anticipated to be a benefit provided by Medicare.

In fact, the current societal crisis posed by the increasing need for long term care is a relatively new one. Not very long ago, seniors who were fortunate enough to live into old age were cared for in the homes of their children. Life expectancy was such that most died before the advent of chronic diseases like Alzheimer’s. Healthier lifestyles and advances in modern medicine means that Americans are living longer. Unfortunately, they are often out-living their ability to care for themselves.

The only governmental program that provides benefits for chronic/custodial care is Medicaid.  But as mentioned above, when Medicaid was born, very few individuals needed chronic/custodial care. As a result, our current benefit system provides Medicaid only when someone has a chronic problem and they have met strict asset and income limitations.

Every day we work with families and individuals who are in crisis, so it is no exaggeration to say that we feel their pain. We work alongside them, so that they can find a measure of peace of mind, a caring and listening counselor, and possible financial and long-term care assistance. That is how we earn our living, but it is also our mission and our privilege.

Call toll-free at 1-888-423-3133.