GOLDEN YEARS HOME CARE

(916) 333-0383

GOLDEN YEARS Home Care PAYMENT OPTIONS

Paying for In-Home Care

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We can Provide Options

Paying for Home Care Costs

Golden Years understands how important it is for your loved one to continue living independently at home for as long as possible. For this reason, we are committed to providing affordable, superior-quality care for our clients in any way we can. Although our services are private pay, meaning paid for by personal income or assets, we can help you. We can provide options you may qualify for to help relieve some of the financial burden. Both can be a good way to pay for any in-home care cost for elderly people.

How to pay for long term care you might ask? Insurance covers home care, and if needed, nursing home services. Paying for nursing home care can be a similar process for obtaining aid for paying for any home care cost. This type of coverage was designed to provide care when the senior is no longer able to care for themselves at home. Another benefit is that it protects your senior loved ones assets. Long-term care offers flexibility in care and can be used to cover much of the costs. Golden Years works with most long term care insurance companies, and can help you access these benefits. Our office team has many years of experience working with insurance providers. We understand how to pay for a home care cost through your long term care insurance provider.

There are certain requirements that must be met in order to use these funds for in home care cost. One of which includes licensed supervision. Other requirements may include applications and documentation. We can assist you with many of these needs, and want to relieve you from the headaches of having to understand how to pay for long term care at home.

 

Using Reverse Mortgages to Pay for Home Care Cost

If your loved one has equity in their house, a “reverse mortgage” is a great way to supplement costs associated with home care. A reverse mortgage is a loan against your home that you don’t have to pay back as long as you live there. A reverse mortgage allows you to turn the equity of your home into cash without having to repay the loan each month. Qualifying is fast and simple. If your loved one has equity in their home, they most likely have already qualified for a reverse mortgage.

There are many reverse mortgage providers on the market. It is important to be educated and aware of what is a good offer, and what is not. There are good reverse mortgages and bad reverse mortgages. Ultimately, you parent’s home should help them enjoy their life to the full. And it can help pay for their home health care cost. The provider’s application should be simple enough to understand, yet maximize the value paid back to the homeowner.

While we are not licensed mortgage providers or financial planners, we can give general ideas of how reverse mortgages have been used by our clients to pay for long term care. It is a fantastic option for many seniors to age in place and enjoy their golden years!

Veteran Care Services

Are you looking for a resource for a veteran or their surviving spouses? As the largest government department for veterans, the United States Department of Veteran Affairs was designed to provide for veterans who are:

  • Chronically Ill
  • Elderly
  • Unable to live alone
  • Disabled

The Golden Years Care team specializes in assisting those who have serviced the United States. We always make sure that our veterans receive top-notch care. Along with our promise of quality care, we offer a 5% discount to any veteran who uses certain service minimums.

The Department of Veteran Affairs even have a homemaker and home health aide program that we can work with to assist you at home.

We can give pointers in the right direction for applying and qualifying for the right veteran benefits. We can even work directly with your benefits counselor. If your senior loved one was a veteran, Veteran’s Affairs benefits is an important benefit. We can help you look into these unique benefits to help them in paying for home care.

Viatical Or Life Settlements

If your loved one has a life insurance policy, some companies will offer owners the option to sell their policies. This works by paying a percentage of the total benefit in exchange for the policy. The owner is given a lump sum payment that is greater than the cash surrender value. This has been a good strategy for obtaining funds for home care cost and long term care. Even paying for expensive dedicated services like paying for nursing home care, should consider this financing option.

It is important to check the fine print of your loved one’s life insurance policy, as there are at times exceptions or restrictions. But often this option can be a valuable allowance in many insurance policies.

This lump sum can then be invested in an interest bearing account like a CD or money market. Then an annuity payment can be setup to pay for living and home care costs.

State and Local Assistance

As an additional resource, many states have locally funded programs that offer assistance to those who qualify.

For our home state of California, there is one such multi-county program that can assist seniors with aging at home.

Locally here in the Sacramento – Roseville – Elk Grove region, we know of a fantastic program that helps seniors in many stages. The Agency on Aging provides residents of Sacramento, Nevada, Placer, Sutter, Yolo, and Yuba counties with senior living benefits. There are qualification requirements, depending on the benefit and program. There are many benefit types, such as fresh food vouchers, home care cost benefits, and even options of nursing homes and assisted living. Call the Agency on Aging 916-486-1876

Or, we can give you more information about Agency on Aging at any Golden Years In-Home office.

Your Local In-Home Care Provider

Golden Years In Home Senior Care is the Sacramento area’s #1 locally owned, family operated at home care provider. We know local and California state financing options that may help in paying for home care. With over 20 years experience in caregiving, your parents or elderly loved ones can trust us. We are your local home health care provider. With offices in Elk Grove, Sacramento, and Roseville, we are close by and are easy to reach.

Contact Us online today or call us at 916-333-0383 for assistance and guidance on paying for your home care cost

Golden Years: the obvious choice for California long term care

How can you be sure you're making the best choice for your loved one's care? Let us show you.

Care Facilities VS. In-Home Care

With assisted living centers increasing costs, along with a growing disdain for the rigid feel of some nursing homes and senior living complexes, the majority of seniors prefer to remain at home. There are many benefits, including:

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Significantly lower costs than assisted living centers
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Unparalleled comfort of home and familiar surroundings
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Easier for family members to connect and stay in touch
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Up to 40% lower costs than hospitals after procedures
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Up to 70% lower readmission rates after procedures
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Unlike other forms of care, home care reduces stress
California caregivers
Sacramento’s top home care agencies
California home care

But why choose Golden Years In-Home Senior Care?

I'm glad you asked. Here's a few reasons why...

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24/7 Live In Care Available
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Family Owned and Operated
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Nurse Supervised Client Visits
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Experienced & Trained Caregivers
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Day or Night Care Available
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Serving California Seniors for 26 years
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Caregiver Compatibility Matching
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Experts in Alzheimer's & Dementia
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Emergency Same Day Care Available
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Flexible Scheduling with 30 Min Visits

Join the thousands of families who choose Golden Years as their preferred choice for California senior home care

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CA Home Care Testimonials

Customer's Feedback

I have been very pleased with the prompt response to my questions by Sarah Ballard. Choosing an in home care provider for the kfirst time has put me on...
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Peggy Tapping
I have been very pleased with the prompt response to my questions by Sarah Ballard. Choosing an in home care provider for the kfirst time has put me on a new course in my life. And Miss Ballard has been instrumental in ensuring that my family and I had our questions answered. We look forward to working with the Golden Years in-home senior service to make my life and my family‘s life easier as I age. Thank you very much Sarah for your professionalism.
Peggy Tapping
For the past few months we’ve know how much care he was going to need. It didn’t take long before we were overwhelmed and knew we needed HELP....
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Roger Copeland
For the past few months we’ve know how much care he was going to need. It didn’t take long before we were overwhelmed and knew we needed HELP. Golden Years stepped in and turned a very difficult situation into great experience.
Roger Copeland
When I reached out to Golden Years for assistance with my mother, who has dementia and needed help with personal care, it was a game-changer. The pressure to ensure my ...
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Eugene Carlos
When I reached out to Golden Years for assistance with my mother, who has dementia and needed help with personal care, it was a game-changer. The pressure to ensure my mom is well taken care of vanished after hiring this agency. I am immensely grateful for Golden Years!
Eugene Carlos
Golden Years provided us with care services for six months, and our satisfaction level is high. Angela, our caregiver, consistently goes above and beyond, arriving with a smile and dedicating ...
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Yogedra Giri
Golden Years provided us with care services for six months, and our satisfaction level is high. Angela, our caregiver, consistently goes above and beyond, arriving with a smile and dedicating herself to the well-being of our family.
Yogedra Giri
Maya was very informative and patient with questions. She made everything very clear. Also she was kind and reassuring.
Steve Ilott
Maya was very informative and patient with questions. She made everything very clear. Also she was kind and reassuring.
Steve Ilott
We used Golden years once before and we had such a great experience we called them again. The first time we hired them to help with my uncle and...
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Tasnim Dillon
We used Golden years once before and we had such a great experience we called them again. The first time we hired them to help with my uncle and now they’re assisting with my aunt . As far as I’m concerned Golden Years is the only option for our family.
Tasnim Dillon
We used Golden Years for 6 weeks while my husband was recovering from surgery. We had a main caregiver weekdays and alternates on the weekends. They ranged in...
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Judy Day
We used Golden Years for 6 weeks while my husband was recovering from surgery. We had a main caregiver weekdays and alternates on the weekends. They ranged in experience from 18 months to 45 years. They were all excellent! They were very competent, eager to help, and pleasant, lovely people. During downtime, when they weren’t needed, they occupied themselves quietly in another room, which is what we requested. There were a couple of hiccups - one morning two caregivers showed up, and the next morning no one showed up, but things like this happen in any enterprise. Golden Years is very professional. I really appreciated their list of client and caregiver rights and responsibilities - it prevented the kinds of problems we had with another caregiver agency on a previous occasion. Golden Years was very accommodating and responsive to our needs and concerns. And they were always available by text nights and weekends.
Judy Day
Our experience with them has been exemplary. I couldn't recommend them enough!! If you're looking for a dependable home care company to care for your loved one, call Golden Years.
Harman Singh
Our experience with them has been exemplary. I couldn't recommend them enough!! If you're looking for a dependable home care company to care for your loved one, call Golden Years.
Harman Singh
The entire staff at Golden Years is friendly. Every call is met with a cheerful greeting, creating a warm and comforting atmosphere. In my golden years, a soft and caring ...
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Amity Smith
The entire staff at Golden Years is friendly. Every call is met with a cheerful greeting, creating a warm and comforting atmosphere. In my golden years, a soft and caring voice goes a long way. Golden Years is my first choice in home care.
Amity Smith
After Covid finding a caregiver that could meet my mother’s home care needs was almost impossible. We decided to give Golden Years a try. We are impressed with...
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Samuel Ruiz
After Covid finding a caregiver that could meet my mother’s home care needs was almost impossible. We decided to give Golden Years a try. We are impressed with how well they communicate, not to mention, someone is always available for any concerns.
Samuel Ruiz

Ready To Get started with a California Caregiver?

3 Simple Steps to Starting CA Home Care

Call +1 (916) 333 0383

Call our office to speak with our friendly care managers and get all of your questions answered.

Schedule a Free Assessment

We'll review your loved one's care needs, schedule, and personality to craft a care plan unique to them.

Meet Your Caregiver

Meet and approve your new California caregiver and watch your loved one thrive at home with a caring companion they love.

Don't wait for tragedy to strike!

Call now to schedule a FREE, no-obligation, in-home consultation to craft a customized care plan to keep your loved one safe.

Contact us now to ensure your loved one's later years in life are the golden years of life.

Call (916) 333-0383

Or fill out this short form for a callback to schedule a free assessment

Office Locations:

Sacramento, San Diego, Mission Valley, Roseville, Elk Grove, Lincoln

Cities we serve: Roseville, Rocklin, Lincoln, Loomis, Newcastle, Auburn, Granite Bay, Sheridan, Johnson Ranch, Penryn, Elk Grove, Vineyard, South Sacramento, Sacramento, Twin Cities, Lodi, Parkway, Franklin, Wilton, Herald, Florin

Email

info@gycareteam.com

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Privately Owned, Locally Established

As a privately-owned local company, Golden Years is well equip to adapt to each client’s needs on an individualized basis. We are not a franchise.
And because we are local, we are able to consult our care team concerning our clients care needs in a quick and efficient way. Our clients are our first priority. Nothing is more important to us than providing superior quality care for you or your loved.

Intensive Caregiver Training

At this time California has very few state requirements for caregivers. For this reason, many home care providers are not obligated to hire caregiver with formal training.
Golden Years always goes above and beyond the minimum requirements to ensure your loved one receives the best care possible. Each Golden Years caregiver completes Golden Years Academy, an orientation training program which ensures our caregivers have a complete understanding of all the essential care techniques. This provides for a safe, and effective home care experience.

Immediate Caregiver Response Time

Golden Years is available by phone 24/7.

Local Golden Years representatives are available to meet with clients for any reason.

We are here for you, at your convenience, to discuss any care needs or concerns. And we will create a customized solution for any care concern. In addition, we can schedule an in person meeting any day, and most times, available within a few hours. Lastly, we are available during the day, evening, or weekends. We will work around your schedule.

With Golden Years, clients and professional care partners can call anytime to speak with live staff 24/7.

Complimentary Nurse Wellness Visits

Every client receives a complimentary wellness visit within 30 days of care service from Golden Years' own nursing staff.

Although no regulations require nurse oversight in California, Golden Years goes above and beyond the industry standard. Our clients are routinely visited by a Golden Years nurse. Each visit consists of a wellness check where our nurse discusses care needs and takes notes pertaining to the overall wellness of the client. These notes are submitted to our care team for review, where care changes are discussed and implemented after the family’s approval. We go the extra mile to ensure your loved one receives the best care possible. We ca say with confidence, you won’t find any other locally owned care provider who will care for you or your loved one like us – By the way, there is never a fee for this service, it’s always free.

Specialized Care Management Program

At Golden Years In-Home Care, each client is assigned a dedicated Care Manager, ensuring personalized care that is second to none. This manager is available for questions, support, and scheduling changes.

Care Managers develop personal relationships with clients and their families, gaining insight into specific preferences and needs. This allows for effective communication, ensuring caregivers follow the care plan and adjust as needed.

Care Managers oversee caregivers, arrange services, make supervisory visits to seniors' homes, and conduct monthly wellness calls to families. They are specially trained to handle all client requests, providing comprehensive support for every client.