Our mission is to help people stay independent and living at home for as long as they can. But we know that not everyone can afford to pay for our services without assistance.

Here are some resources that are available to help ease the cost of home care services.

Long–term care insurance
This helps defray the cost of care at home or in a nursing facility. It can protect your loved one’s assets and cover a considerable portion of home care costs. A lot depends on of the terms of a given policy. We’re happy to work with insurance companies. So be sure to learn whether your loved one has such a policy.

Reverse mortgages
If your loved one has built up sufficient equity in a home, it’s likely that they can pursue a reverse mortgage, which is a loan against that equity. It need not be repaid as long as your loved one lives in the home. With a reverse mortgage, you effectively convert a home’s value into cash, without the need to make monthly payments. The money can be used to pay for home care, among other things.

Veterans Administration
This source of government help includes a program for assisting with home care expenses for qualified veterans. Please visit the Our Services page to read details.

Local departments of aging
There are numerous state and local programs that offer home care assistance to seniors who qualify. A good place to start is your local Area Agency on Aging.

Viatical life settlements
For some types of life insurance policies, there are companies that offer policyholders the option to sell their policies in exchange for a lump sum payment, provided the policy’s value is greater than its “cash surrender” value.