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  Question What do I need to know about hiring an insured caregiver?   Answer If it is time to hire an in-home caregiver, make sure the person you hire is adequately insured.  Whether the caregiver is employed by a service or is an independent contractor, it is important to verify the following:   Workers Compensation. The caregiver should furnish proof of their insurance that covers medical bills and lost income should the worker be injured on the job.  General Liability. This covers claims of bodily injury or property damage should the caregiver's services injure someone or damage a customer's property. Professional Liability. Some caregivers possess advanced medical certifications and training. In these instances, a general liability policy might not be sufficient to cover their errors, if one should occur. They might need professional liability insurance. Auto. If the caregiver drives a client to and from errands, appointments, etc., verify that his auto insurance will cover damage to vehicles and bodily injury to passengers or others and that the limit of insurance available for such claims is sufficient. You may be asked to enter into a contract with the caregiver or their employer. That contract could contain clauses that expose you to financial liability that falls outside your homeowner's liability. Talk with your insurance agent or broker about the extent to which your homeower's policy covers in-home caregivers.  
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Question Where do I go to sign up to care for my parents and get paid?     Answer The first place to start depends on what state you live in. Here in Florida, the Senior Resource Alliance is the place to start. Find your state's equivalent to that. Your loved one will have to qualify for what is called a Medicaid Waiver. So, once you find your state's equivalent to a Senior Resource Alliance, you call them and tell them you are looking for a "home and community-based Medicaid waiver for a long-term care program" for your loved one. They will walk you through the process from this point.
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Question How do I protect my mother's financial assets from irresponsible or abusive relatives?   Answer  Contacting the bank sounds like a good idea. Your mother may need to be present, as it is her account. You may want to be added to her accounts or she can appoint you as her "Power of Attorney".     Many states have laws in place to protect their senior residents. Elder financial abuse and exploitation are not taken lightly, and often come with higher criminal penalties. If there is imminent danger to your mother, 911 is always the first course of action. Theft of any kind should be reported to law enforcement. You may find helpful information through your state's Adult Protective Services, and any local or state social services agencies. Your state should also have an elder abuse hotline that you can find through the National Center on Elder Abuse (https://ncea.acl.gov)   The bank should be made aware of this situation ASAP, whether it is through the authorities or through you. Just please know that the bank will probably not speak with you about much detail unless your name is on the account or your mother designated you as her agent.
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