HOME CARE : A Safe and Affordable Option

Caring for a loved one can be overwhelming, time consuming and draining to your health both mind and body. Thankfully, there are dependable in-home care options available in our community, so you do not have to go it alone.

Making the decision to choose in-home care is the first step. Once you make that decision, our professional senior care experts will help guide you through the process to ensure compassionate care and comfort at a moment’s notice for your loved one.

One of the most common concerns for families is affordability and payment options. Are home care services covered by Medicare or health insurance? Are there any benefits to help veterans pay for home care? Can life insurance help? Can we use home equity to help pay for the care?

Every day, Senior Helpers works with families just like yours that are starting to learn about the benefits of in-home care. As trusted experts in senior care, we can help you and your loved ones navigate the often-complicated maze of senior care options. We strive to provide you with straightforward answers to assist you in making the most informed decisions.

There are many options available to help you pay for home care services.

Private Pay

Your loved one may have savings or supplementary income available that can help pay for home care, assisted living or nursing home care. Often, family members may contribute to the cost of care for their loved one.

Long Term Care (LTC) Insurance

A Long-Term Care insurance policy can help to offset the cost of home care or assisted living care. We can help you evaluate the policy to see if it covers Senior Helpers’ services.

Veteran’s Aid and Attendance Pension Benefit

Eligible veterans and surviving spouses may be eligible for up to $2,266 per month for health care expenditures. We can help you evaluate this option to see if your loved ones may qualify, and if so, apply for this little-known benefit.

Reverse Mortgage

Reverse mortgages can be very useful for homeowners aged 62 and older whose home is their principal residence and who have a high amount of equity in the home. Evaluate this option with a reputable reverse mortgage specialist.

Whole Life Insurance Policies

Whole life policies are designed to build cash value and as cash value builds up, it is often possible to borrow against the policy while keeping insurance in effect. Contact your insurance agent to discuss your needs and possible options.

Additional State and Local Programs

In many states, there are local and state funded programs that offer limited care for seniors who meet certain criteria. Contact us so that we may review the programs available to you in our area. Our goal at Senior Helpers is to handle all the home care details so you can concentrate on spending quality time with your loved one. Even if you are hundreds of miles away, you can trust that we will treat your loved one with the dignity, respect and compassion they deserve.

We look forward to providing your loved one with the help they require to continue living independently at home.

Our evening classes and valuable networking opportunities combine with affordability for a high-quality and convenient MBA experience.

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TANYA FERBER Senior Helpers

Home Care of Eastern North Dakota

Tanya is a Fargo native and holds a Bachelor’s in Nursing from North Dakota State University and a Master’s in Business from the University of Phoenix. She has a passion for being a trusted advisor and helping the elderly in her community and their families navigate options to ensure a better quality of life. Senior Helpers provides dependable and affordable in home care at a moment’s notice. Visit seniorhelpers.com/nd/fargo.

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