Affiliate Disclosure


What you need to know...

Affording care is not just an aging conversation with a "there is time to save for later" mindset, but it is also sudden life altering situations like accidents or disabilities. Understanding the cost of care translates directly into how much caregiving you will have to take on and the type of care someone receives.

Care happens; how do we afford it?



The proverbial nest egg. Everyone approaches this differently. Assets that are debt free cash are things like savings accounts, 401Ks, retirement or pension accounts, as well as hard goods like jewelry, homes, cars etc. Converting these items into liquid cash can make up for the gaps that insurance and government programs do not cover.

Care costs can be wildly unpredictable and medical bills are reported to be the number one cause of U.S. bankruptcies. If YOU, the caregiver, have not yet begun to save, think about you here too. With personal assets, large debts can be avoided. Let's try.



Acorns offers a micro investing app that helps people save and invest for their future. Over 3 million Americans use Acorns to help set aside a little from their everyday purchases.

Save Better By Raisin is a new kind of digital solution empowering consumers to acquire high-yield deposit products and unlock potential in their cash savings. It’s an online marketplace and our customers’ platform for managing their savings, all in one.


Swagbucks is the fun rewards program that gives you free gift cards and cash for the everyday things you already do online. Earn points when you shop at your favorite retailers, watch entertaining videos, search the web, answer surveys and more!

Fraud Protection

No matter how much you hope "they won't fall for that…", Hope is not a strategy.

People who are aging or who are disabled are seen as easy targets for a whole host of reasons. More than 369,000 cases of financial fraud of older adults are reported each year, causing an estimated $4.84 billion in losses, Know it is a real possibility and read on.

Identity Protection

Identity Guard

Identity Guard offers several different identity theft protection products to help consumers protect themselves from identity fraud and misuse.
Identity Protection

Rocket Money

Rocket Money is a financial management app empowering customers to take control over their money. The company helps clients manage bills, subscriptions, and cancel recurring charges. Rocket Money also offers credit score checks, account alerts, financial monitoring, and more!
Identity Protection


Trustworthy is the Family Operating System™, an online service that helps modern families curate, manage, and optimize their important information - ID’s, Money, Property, Passwords, Insurance, Taxes, Legal, Emergency instructions and Family Archive.

Government Benefits

Government agencies are one of the biggest resources for many people. Some people have their only savings here; by savings we mean Social Security. This is also where we need to understand all state or federal benefits for you, the family caregiver as well as things like Social Security Disability, Medicare and Medicaid.

Medicaid will not cover the cost of care and to get it people need to first significantly spend down their assets.

Heads up. Caregivers need the correct legal paperwork and rights in order to get any information from these agencies. See Care Support for information and support.

Special Needs
Social Security
Veterans Tricare

Elder Care Solutions

Aging and caring are expensive endeavors. How to pay for elder care or continuing care is one of the toughest challenges families face. Eldercare solution's mission is to ensure that aging and caring for an aging loved one are experiences that won't financially break you.


Make a plan, plan for the plan and plan some more. If you are a proactive person or are a caregiver for someone who has planned, then you likely have more options for affording care.

Non medical care (aka unskilled care) like companion care, house help, bathing, transportation etc are not typically covered by government or private insurances. Another note, most private insurance in-home skilled care is rarely covered at 100%.

But, some life insurance plans do have benefits that can be used while the policyholder is still alive. These benefits are in the form of a cash value that can be used to help cover medical expenses or everyday costs of living.

General rule of thumb, plan for care protection before you need it.


AAA - Auto Club Group

24/7 roadside assistance. Discounts on car repair. Additional vehicle services at select AAA branches. Award-winning insurance agents to customize your policy.

Allianz Worldwide Care

Allianz Care is one of the leading providers of international health insurance in the world. Our health and protection solutions are particularly suited to the high net worth expatriate audience living, working or studying abroad, as well as HR Managers of international company or governmental organizations.


Life insurance shouldn’t be intimidating. Bestow make it fast and easy to help financially protect the ones you love.


Getting a paid professional on your team is a tremendous help. It may seem odd to pay in order to save money, but there is a reason.

Specific to the caregiver universe; a consultant with expertise and advocacy in care management for older or disabled adults knows which rocks to look under. They have the time, comprehensive knowledge and resources to help maximize all of your assets, plans and benefits. These professionals can be a family relationship saver in addition to actually saving you money.


H&R Block

H&R Block's online do-it-yourself tax preparation services, tax software, and over 12,000 retail offices help you get your maximum refund.


Simply Free Tax Filing! Our e-filing program is responsible for the completion of more than 10 million tax returns since 2017.
Retirement/Pensions helps taxpayers file their income taxes faster, easier and more accurately than with traditional paper forms. They offer full featured online tax software at a significant discount to other programs.