Harmony Home Care owners Patrick Philbrick and Jennifer Jarrett were recently interviewed on Legacy Planning Radio by Attorney Justin Gilbert. In this audio recording they discuss options for getting help at home with an aging loved one, costs, financing options, Veterans’ benefits, and some of the distinctions that make Harmony unique.
Justin specializes in trusts for families seeking to care for an aging parent, family member, or friend. The Veterans administration offers a home care benefit called Veterans Aid and Attendance. Working with Justin, Harmony handles the entire application process for you. If approved the VA will pay for up to 80 hours/month of home care for a Veteran, and up to 40 hours/month for surviving spouses. In some cases, the applicants income or liquid assets are too great to qualify, and if so Justin can create what is called a VA trust. This kind of a trust can make it possible for a Vet to qualify, even after being initially denied.
Justin, Patrick, and Jennifer also discuss some of the stress caused by the expense incurred with home care. It is tempting to hire a friend from church, or an independent caregiver off of the internet. Even though this can be a tempting way to save money, we discuss the risks involved.
We also discuss what makes Harmony Home Care unique in the industry. As our Director of Nursing, Jennifer discusses her background as an RN for the last 30 years, and how she insists that every client receive a nursing assessment and be supervised vigilantly by one of our nursing staff. This is an expensive option for us, and not required by licensing, but because Jennifer and Patrick are dedicated to providing seniors with the best in home care possible, it is a value added to their service that is not charged extra for in their home care services.
Finally, we discuss what is most important about anyone providing senior in home care. Most agencies are licensed, bonded, insured, and do background checks, but it is the heart of the caregiver and the agency that is most important. You have to love people, and have empathy and compassion for the elderly to do this job correctly. Not everyone is cut out for it.