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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">Cleora sub April 23</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">You use too many anachlonymns<span style="mso-spacerun:yes"> </span>or<span style="mso-spacerun:yes">
</span>initialisms. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">I don’tk know what they mean. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">Too much technical information. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">It was like reading a legal brief. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">The basic ideas came across, </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">and were<span style="mso-spacerun:yes"> </span>useful. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">If I ever need help on choosing<span style="mso-spacerun:yes"> </span>an agency, </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">I’ll call on you. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">You<span style="mso-spacerun:yes"> </span>obviously have a
lot of experience. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">What<span style="mso-spacerun:yes"> </span>a<span style="mso-spacerun:yes"> </span>about size of agency? </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">Some of your examples were too intgricate to follow. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">Potentially, very useful, though. </span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><u><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">The spell/grammar check came up with a lot of<span style="mso-spacerun:yes"> </span>problems.</span></u></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">1000 words</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">Help Still Needed</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">by C. S. Boyd</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">A while back I wrote a guideline intended to help readers
select a good Home Care agency. Things are changing rapidly, and it is more
difficult than ever to find a good agency with qualified caring people.</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">1. It still holds true to check the required experience.
Since you will be a new client, you will most likely be sent a new hire. You
may even be their first assignment. Past experience is important. If this is
the person's first time to work as a caregiver, may likely have no idea what
the job is really like. Many never stay past the first two weeks. You want
someone who will provide the help you need, and will stay so you can a develop
a relationship;.</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">It is also still important to let the agency know
specifically the kind of help you need. If your care includes tasks that are
not part of the run of the mill home care--you need help with reading mail,
completing and submitting form, etc.--the agency may not have anyone on staff
that can do this. Or, they may not be willing for their caregivers to have this
kind of responsibility.</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">2. Does the agency file Long Term Care claims. If you are
hoping to pay for services with LTC, ask if the agency charges for filing the
claim, and if they are willing to wait until you receive your reimbursement.</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">If they charge for filing the claim:</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">If the charge is a flat fee, this charge will be out of
pocket. As far as I know, no LTC insurance pays fees. If they add $1 to the
hourly rate, and you have a limit on your benefits, this will reduce your care
by that amount. </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">Example: if you have a caregiver 40 hours a week, this will
reduce your benefits by $20,800 per year.</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">One hundred percent of the agencies I talked to said not
getting paid was the reason they started charging to file and requiring payment
immediately. My experience with the ones I tried indicates that you will have a
hard time getting your reimbursement. These agencies chronically do not file
the claim with all the necessary information required for it to be paid. This
means you will spend your time finding out what was done wrong and trying to
get the agency to refile the claim correctly. It took me two and one-half
months to get my reimbursement for one service day. The problem was that the
caregiver didn't mark that she did the ADLs, and the agency claimed they
couldn't fix it. They continued to file the claim with the same error over and
over. They put a note on the claim saying the ADLs were done and for the
adjuster to call them, the insurance said they didn't have time to call and
wanted the agency to call them instead. The agency said they didn't have time
to call the insurance and most insurance would accept the note on the claim as
proof. Mine does not. So I have this back and forth. My insurance said that if
the agency calls and says the ADLs were done and they do not have access to
correct the claim, they would pay it. I spent countless hours on the phone with
the insurance company and with the agency trying to get this taken care of. Can
you imagine paying extra for this headache?</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">I did finally get my reimbursement. I realized that I had
access to the visit notes that the caregiver completed. I went into their
system, copied the visit notes for the day in question, created a copy in Word,
edited out the error, created a PDF and submitted it with a copy of the
original invoice. The insurance accepted it and paid the claim. I moved on to
another agency before I had to test this option again. I will also mention that
this is the only agency I have used where I had this kind of access.</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">Keep in mind that if the agency requires you to pay up
front for the service, there is no incentive on their part to help you get your
money. One agency I talked to wanted payment as soon as the shift ended. They
wanted to be able to make an ACH withdrawal or charge my credit/debit card
immediately after the caregiver clocked out. I probably don’t need to tell you
I didn’t sign with this agency.</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">3. How long has the agency been in business. I recommend
looking for agencies that have been in business at least 10 years. This gives
them the time to become experienced in selecting good caregivers and matching
them with the right client. It is also important if you have LTC insurance. You
want someone experienced in how to file the claims correctly. If they are
willing to wait for you to be reimbursed to get their payment, it is a good
indication that you will not have trouble getting your money.</span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">4. What is their afterhours contact? If it is an answering
service, mark them off your list and try the next one. Ideally you should be
able to call the regular daytime number and reach someone from the office that
is on call. If you get voice mail, leave a message. If it takes them more than
30 minutes to call you back, mark them off your list and move on to the next
prospect. </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none"> </span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;tab-stops:45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;background:white"><span style="font-size:10.5pt;font-family:"Courier New";mso-fareast-font-family:"Times New Roman";color:black;mso-font-kerning:0pt;mso-ligatures:none">There have been a couple of times over the last 20 plus
years that it was vital for me to reach someone after hours. When shopping for
a new agency, I deliberately call after 5:00pm or on the weekend to see how
hard it is to reach someone in an emergency. If the owner answers, they will
usually go ahead and talk to me about their service, but it's not a problem to
call back when they are in the office.</span></p>
<p class="MsoNormal"> </p>
<br><br><br><p class="MsoNormal"> </p>
<p class="MsoNormal">Leonard I. Tuchyner, Author</p>
<p class="MsoNormal"><a rel="nofollow noopener noreferrer" target="_blank" href="https://www.dldbooks.com/tuchyner/">https://www.dldbooks.com/tuchyner/</a><br data-mce-bogus="1"></p>
<p class="MsoNormal"> </p>
<p class="MsoNormal"><u><span style="text-decoration:none;"> </span></u></p><br></div>