Free-Reprint Article Written by: Denise M. Brown See Terms of Reprint Below.
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Additional Article Information: =============================== 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:[EMAIL PROTECTED] Denise M. Brown's Picture URL: http://caregiving.com/support/html/askdenise.htm For more free-reprint articles by Denise M. Brown, please visit: http://www.thePhantomWriters.com/recent/author/denise-m_-brown.html ============================================= Special Notice For Publishers and Webmasters: ============================================= If you use this article on your website or in your ezine, We Want To Know About It. Use the following URL to let us know where you have used this article, and we will include a link to your website on thePhantomWriters.com: http://thephantomwriters.com/notify.php?id=5651&p=load HTML Copy-and-Paste and TEXT Copy-and-Paste Versions Of Article Are Available at: http://thePhantomWriters.com/free_content/db/b/protecting-your-aging-relatives-financial-security.shtml#get_code --------------------------------------------------------------------- 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. --------------------------------------------------------------------- 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. --- END ARTICLE --- Get HTML or TEXT Copy-and-Paste Versions Of This Article at: http://thePhantomWriters.com/free_content/db/b/protecting-your-aging-relatives-financial-security.shtml#get_code ..................................... TERMS OF REPRINT - Publication Rules (Last Updated: May 11, 2006) Our TERMS OF REPRINT are fully enforcable under the terms of: The Digital Millennium Copyright Act http://thomas.loc.gov/cgi-bin/query/z?c105:H.R.2281.ENR: ..................................... *** Digital Reprint Rights *** * If you publish this article in a website/forum/blog, You Must Set All URL's or Mailto Addresses in the body of the article AND in the Author's Resource Box as Hyperlinks (clickable links). * Links must remain in the form that we published them. 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Brown can be reached at: [EMAIL PROTECTED] *** Print Publication Reprint Rights *** If you desire to publish this article in a PRINT publication, you must contact the author directly for Print Permission at: mailto:[EMAIL PROTECTED] ..................................... If you need help converting this text article for proper hyperlinked placement in your webpage, please use this free tool: http://thephantomwriters.com/link-builder.pl ===================================================================== ABOUT THIS ARTICLE SUBMISSION http://thePhantomWriters.com is a paid article distribution service. thePhantomWriters.com and Article-Distribution.com are owned and operated by Bill Platt of Stillwater, Oklahoma USA. The content of this article is solely the property and opinion of its author, Denise M. 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