{"product_id":"long-term-care-on-your-own","title":"Long-Term Care on Your Own","description":"\u003ch3\u003eYou are the one who has to arrange it\u003c\/h3\u003e\n\u003cp\u003eLong-term care is usually described as something that happens to a family. Somebody notices. Somebody calls. Somebody drives. If you are unmarried, widowed, or your children are grown and far away, there is no somebody — there is you, on hold with an agency at eight in the morning, trying to work out who is even allowed to answer your question.\u003c\/p\u003e\n\u003cp\u003eDon't ask who will care for you; ask who will run the care.\u003c\/p\u003e\n\u003cul\u003e\u003c\/ul\u003e\n\u003cul\u003e\n\u003cli\u003eThe job nobody names.\u003c\/li\u003e\n\u003cli\u003eWhat it costs, and what pays.\u003c\/li\u003e\n\u003cli\u003eBringing care into your home.\u003c\/li\u003e\n\u003cli\u003eRunning it and watching it.\u003c\/li\u003e\n\u003cli\u003eWhen home stops working.\u003c\/li\u003e\n\u003cli\u003eWhen you can't run it yourself.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e\u003cstrong\u003eQuestions people ask\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eWho is this book for?\u003c\/strong\u003e \u003cbr\u003eThe person who has to arrange their own care and has no obvious second name to put on the form — never married, divorced, widowed, child-free, or with adult children too far away to make a Tuesday-morning phone call. It is written to you, not about you, and it does not use the adult-child framing that most eldercare books run on. If you are arranging care for a parent instead, Caregiving Without Losing Yourself is the one for that job.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDoes Medicare pay for long-term care?\u003c\/strong\u003e \u003cbr\u003eMostly not, and the book spends a full chapter on exactly where the line falls. Medicare is built around medical treatment and recovery, not the day-to-day help with bathing, dressing, and eating that long-term care actually means — and the pieces it does cover come with conditions people usually discover at the worst moment. The chapter walks the difference, then a second chapter covers what does pay for the hours. Program rules vary by state and change, so the book routes you to the office that can confirm yours rather than quoting a figure that expires.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eShould I hire through an agency or hire someone directly?\u003c\/strong\u003e \u003cbr\u003eIt depends on what you are willing to be responsible for, and the book lays out both columns rather than picking for you. Hiring directly usually costs less per hour and makes you the employer, with everything that word carries — taxes, coverage when your person is sick, and no backup at seven in the morning. An agency charges more and absorbs some of that. There is a full chapter on the trade, another on vetting and writing the scope of work down, and a fill-in page of hiring questions in the back.\u003cbr\u003e\u003cbr\u003e\u003cmeta charset=\"utf-8\"\u003e\u003cem\u003ePaperback Book · 294 pages\u003cbr\u003e\u003c\/em\u003e\u003cem\u003eEducational information only — not legal, financial, medical, or tax advice.\u003c\/em\u003e\u003cbr\u003e\u003c\/p\u003e","brand":"Retirement In Order","offers":[{"title":"Default Title","offer_id":44472402935911,"sku":"8md6d9","price":28.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0680\/7312\/8039\/files\/long-term-care-on-your-own-thumb_87299340-88ef-44d0-a312-b4892ea5b4ec.png?v=1788725922","url":"https:\/\/shop.retirementinorder.com\/products\/long-term-care-on-your-own","provider":"Retirement In Order","version":"1.0","type":"link"}