A worksheet for lining up your parent’s care options, what each one costs, and who pays.
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2 pages, ready to print on standard letter paper.
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What’s on it
- Care now and what it costs, with who pays each part: your parent, Medicare, Medicaid, the VA, insurance or the family
- Your parent’s monthly picture: income, other costs, the gap, and how long savings would last
- Programs to check, from the State Health Insurance Assistance Program to PACE, VA benefits, long-term care insurance and tax help
- Room for notes
How to use it
Update it whenever care changes.
Count VA or other payments once, either as income or as an amount covered, not both. Talk with an elder law attorney before your parent gives away money or transfers property.
Where it comes from
This tool comes from Chapter 10, “Who Pays for What,” of When Mom or Dad Can No Longer Manage Alone by Mark Duda. The chapter covers who pays for care: Medicare, Medicaid, veterans’ benefits, insurance and private pay.
Related reading on this site
- How Families Pay for Home Care
- What in-home care actually costs
- Medicaid and Home Care: How Waivers Work
- VA Aid and Attendance: Tax-Free Help Paying for Home Care
- Long-Term Care Insurance: How It Works and Who It’s For
- Does Medicare pay for home care?
All 18 tools from the book are on the printable tools page.
The tools may be printed and copied for personal use within your own family. They are not medical, legal or financial advice.