Got Parents?

You are About to Lose Your Company,

Your Career. Your Job.

Did you See That Coming?

Didn’t think so.

If your parents are alive, and you have been through Caregiving or are doing it now, you might know what I am talking about. The insurance industry ought to create “parent insurance” for every adult working child should take out a policy insuring their parents. Gee - we have insurance on children and pets! Why not PARENTS so that their escalating healthcare needs for caregiving cannot blindside up and effect our jobs? Or businesses!

 43.5 million Americans are providing unpaid care to an aging parent. Can you afford to carry up to another fulltime job - without being paid?  

Employers can take out insurance on you as a key / essential employee. But, what insurance policy does your spouse, or significant other, or children, or your family pets take out on you when you are over-committed between work and being a case manager / caregiver that they rarely see you? 

Let’s see the options:

• Short of Long Term Disability (when you get injured from being sleep deprived)
• Partial income replacement
• LIFE INSURANCE (when you die prematurely from overwhelming stress)
• Pre-Needs Insurance (burial insurance in case they cannot afford your funeral)

If I could design an insurance product, it would be for insurance that would pay out a benefit for a full time Healthcare Case Manager for an aging parent, to help replace an adult working child, when the aging parent has an onset of a major illness or catastrophic injury.

My Story

I knew of people who had been Executors on estates. I even knew Caregivers - but I saw them once a month at a meeting. They did not sit around talking about how demanding the role is. Most of the Caregivers I knew were already on disability, and their parent moved in with them. Other than tight living quarters, they did not complain much. The biggest challenge I saw - and I helped resolve was - one person on disability had her mother on chemotherapy and dialysis. All was well until the station wagon blew the engine. Public medical transportation was a van - the elderly mother could not travel alone and the daughter on disability could not step “up” into the van to get in. It went from “everything working out” to life threatening in minutes! I was able to work out an agreement with a car rental company and local credit union for the car rental company to accept a $100 debit card from the credit union and allow a four-hour car rental so that “Peggy” could get her mother to medical treatments.

In my own case, with my elderly father, what was supposed to be at most flying in to help him for two weeks, then come back home across country, escalated to my handling his responsibilities as his Power of Attorney (that alone was almost full time!), medical case management, then application process for a reverse mortgage, and lastly arranging to put his house up for sale. After he passed, physically I collapsed from exhaustion - it was overwhelming for me to go back and have to face, and then deal with, the needs of an ongoing abusive parent. Every PTSD button I had was reactivated.

I know I am not alone in this: one in every six children is abused, so at least one in every six parents is an abuser. Those parents, unless they die young, probably will need caregivers one day.

That’s why after 19 years of experience assisting people with disabilities and their caregivers, and another three with my father alive, I decided to create Crisis Coaching - to train others on what they would be facing before they became Caregivers and Case  Managers.

Click here to sign up for the Crisis Coaching Training Course.

How Well Would You or Do You Deal With…

Unplanned, but frequent interruptions during the workday?

Working a long day - then having to work another eight-10 hours as a caregiver, get a few hours of sleep, then go back to work? Day after day…

Even if you do not feel well, you have to juggle your job, you children, AND your parents’ needs?

Having your entire savings and investment portfolio wiped out by escalating parent medical expenses or housing needs?

If you had to choose between paying for care expenses for your parents, and assisting your children with university expenses - how would you choose?

Would your employer accept you missing deadlines more often than not for five years? Being unavailable for travel? Being irritable or short-tempered at work?

Are you willing to give up career advancement / promotion opportunities? Could you relocate closer to your parent(s) and still keep your job?

What is Your Risk?

Check this out! Caregiver Statistics. Statistical information from AARP, National Family Caregivers Association, Survey of Self-Identified Family Caregivers, MetLife, and others who have tracked the data.

73% of family caregivers who care for someone over the age of 18 either work or have worked while providing care; 66% have had to make some adjustments to their work life, from reporting late to work to giving up work entirely; and 1 in 5 family caregivers have had to take a leave of absence. American businesses can lose as much as $34 billion each year due to employees' need to care for loved ones 50 years of age and older. Caregivers caring for elderly loved ones cost employers 8% more in health care costs estimated to be worth $13.4 billion per year.

Unpaid caregiving is saving the government $375 billion dollars/ per year. On average, 29% of Americans providing over 20 hours per week in unpaid caregiving. 13% are spending 40 hours of more in providing unpaid care.

78% of seniors and elderly needing care must rely entirely on family and friends for support.

51% of care recipients live in their own home, 29% live with their family caregiver, and 4% live in nursing homes and assisted living.

Effect on Women in the Workplace

“The typical family caregiver is a 49-year-old woman caring for her widowed 69-year-old mother who does not live with her. She is married and employed. Approximately 66% of family caregivers are women. More than 37% have children or grandchildren under 18 years old living with them” - thus the labeled “sandwich generation.”

Women caregivers are 2.5 times more likely to be in poverty, and 5 times more likely to be receiving SSI.

And Your Health Will Decline the Longer you are a Caregiver

23% of caregivers providing care over five years report poor or bad health for themselves.

Are You at Risk of Being Pulled into this Black Hole Case Manager / Caregiver Tunnel? Take This Self - Assessment.

I have at least one living parent.

I do not live with my parent(s).

My parent(s) is over age 50.

I do not have another sibling who has agreed to be the Caregiver when help is needed.

My parent(s) has made no other arrangements for care for him/ her/ themselves if there is a medical emergency.

Are You at Risk for High Stress If You Become the Case Manager or Caregiver?

Legal

My Parent is a felon, OR was not charged due to a botched investigation but admitted to the violent crime

I have custody agreements, immigration, parole agreements, etc. - any legal situation that makes it hard to leave the state / province to be a Caregiver.

I would have a “conflict of interest” - state/ province may investigate to see if there is “blended money” between me and my senior / elderly person.

Emotional Issues

I am an abuse survivor - my parent was the abuser.

Adult Child I have  physical or mental disabilities; I’m off-work and on disability

I have medical / health issue, which makes the time requirements for Case Management / Caregiving unrealistic without hurting my health.

I have a child with special needs (ex: Autism, Down Syndrome, etc.)

I lack the  mental capacity to make wise decisions for parent (could be low education level, lower IQ, exhaustion, being overwhelmed with work, or other such as traumatic brain injury)

I have addiction issues: active alcoholic or drug additions and would be triggered “to borrow” parent(s) medication.

Family

Other family is closer and better choices / more stable to do it.

I have no grown children who can help.

My parent considers some friends closer than blood Adult Child.

Career / Financial Issues

I own a business. Taking on Case Management / Caregiving would cost employees their jobs, as company would have to close.

I would risk losing my employment or livelihood.

I am low income, or living paycheck to paycheck, or on social assistance or disability

I am an entrepreneur

Taking on Case Management or Caregiving would create a financial hardship or career hardship.

I am over 50, if male and over 40 if female. After this age, on the other side of being a Case Manager or Caregiver, it is difficult to be rehired at the same level.

I am  employed in a high tech / IT field - career where information and tools for the job change fast and skills can be fast outdated

Travel Issues

I live more than two hours away from parent(s).

I live out of state / province, or country.

I travel with work.

Over 90% of family caregivers become more proactive about seeking resources and skills they need to assist their care recipient after they have self-identified.

What Can You Do About This?

Get Trained NOW.

“ONE - STOP”: Crisis Coaching Training

BENEFITS

• Peace of Mind - You know What to Do When the Time Comes

• Freedom to Focus on End Times Relationship with Parent(s)
• Save Time (Instead of redundant calls - Make 1-2 calls and know what to ask)

• Save Money (Being better organized, can save money when you go to the lawyer, accountant, and estate planner.

• You KNOW How to “Start” Caregiving and Case Management - Also Know how to Create an Exit Plan!

• Know How to Protect Yourself, Your Job / Career and Assets

• When You Know “Red Flag” Warning Signs,” You Give Yourself Permission to Get Out of What is Not Working

CRISIS COACHING

Train On:

• Legal
• Risk: Mitigation and Management
• Insurance
• Navigating Healthcare Systems
• Evaluating Medical Care and Doctors
• Due Diligence Research
• Government Services and Programs (SSA, SSI, EBT, CPP, Old Age Pension, Medicare)
• Aging in Place, Adult Residential Facilities, Aging “Without” a Place
• Real Estate and Repair Loans
• Estate Planning and Settlement
• Dying and Death Issues, Including Autopsies
• Cross-Border  Estates and Assets

Emotional Issues:

• Getting Along with Difficult People
• Supporting Grieving/ Mourners
• Caregiver Burnout Support
• Recognizing Depression

Other

• Self-Assessment Testing
• Situation Room: Wargaming Real-Life Scenarios
• Hanger Lab (for group research)
• Waystation 49: Virtual “coffee shop” to meet with other Members

FORMAT:

• Videos
• Webinars
• “Pop - Up” Live Stream
• Audio
• Multi-Media
• Power Point
• PDFs
• Documents
• Workbooks
• Books and eBooks
• Conference Calls
• Q&A Sessions

LENGTH OF MEMBERSHIP:

One year. Second year is Alumni. Access to courses permanently.

MEMBERSHIP LEVELS:

You Register as either an Individual

Extended Family

Corporate

VIP (wage earners over$200,000/ annual - OR - out of country assets)

Student

BONUSES:

• Downloadable resources (checklists, worksheets, PDF guides, etc.) - VALUE: $200
• Access to a private group with other students: VALUE: $250
• 1-on-1 or group coaching calls with you: VALUE: $500
• Monthly live calls or webinars with you: VALUE: $1200
• Discounts or deals on other products or services from our marketing partners- VALUE: Varies
• Course completion certification (OPTIONAL UPGRADE) $1000

GUARANTEES:

30-Day 100% Refund on your Experience / Fully Refundable. No questions asked.

By the time you successfully complete one year of the Crisis-Coaching training, you should know more about how all these systems interrelate and how to work effectively through the systems, than the average person blindly taking on Case Management.  

This is “deep dive learning.”

If you decide to become certified, you have an opportunity to apply to consult on this information in your area.

DISCLAIMER:

I am not a licensed: lawyer, accountant, estate planner, or securities advisor - or any other “licensed professional” which would require registering in every state, province, and federally / nationally. Therefore, you will be taught information and the process to understand “how to make your own informed decisions” but otherwise, you are expected to meet with professionals in your own state or province to help fine-tune your plans as necessary.