Scot Cheben

Senior Advisor
5 years in practice
About

Scot is an Army Veteran. He spent his early life working in aeronautics before owning his own home care business. His dedication to care for seniors spawned when faced with the need to find care services for his dad. In 2009, Scot’s father had bypass surgery. While flying back and forth from his home in California to his father's home in North Carolina to take care for him, Scot realized that he needed help. He began looking for a company in North Carolina that he could call to assist his ailing father with his daily activity needs. It was during this experience that people began to tell Scot that he “was made for such a job” as working in the home-health care industry. Scot began to consider buying a franchise and after interviewing the CEO’s of various franchises he settled on Senior Helpers as the best. “The rest”, as Scot says, “is history.” His home care agency has been recognized nationally for two consecutive years in providing the best customer service. In 2015, his company won a local readers choice award for best In-Home Care Business in the San Gabriel Valley, California. During his tenure he has assisted many of his clients and families cope with the day to day life of home care. When he is not working, he enjoys hiking and other outdoor activities.

Answers  (32)

It depends on moms ability to get around and her financial situation.  There are two facility options for mom.  Assisted Living and Board and Care.  If you click on the little icons above you can get a better understanding of what the differences are between the two.  The easiest and cheapest way of... (more)

It depends on moms ability to get around and her financial situation.  There are two facility options for mom.  Assisted Living and Board and Care.  If you click on the little icons above you can get a better understanding of what the differences are between the two.  The easiest and cheapest way of finding the right place for mom is to use a senior housing placement service like Care Patrol (there are others).  They will perform an assessment with you and mom to determine mom's needs and finances.  After that they will look through their database of facilities that meet your requirements/qualifications and setup tours of those facilities.  Once you determine the facility that best suite you and mom... you sign a contract with the facility.  This is all done free of charge to you.  FREE.  How can this be?  They get paid by the facility once you sign.  This will save you time of calling and driving around to find the right place.  Looking at their website it looks like 3 facilities are available (link below).  As for affordability, they will discuss options with you.  

http://carepatrol.com/assisted-living/location/florida/jupiter/

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When it comes to the government, nothing is quick.  Unless they want your money, right!  So the big question… How long does this process take?  Many of my clients have submitted their applications and the results are all mixed.  I can say that having an experienced person review it for accuracy... (more)

When it comes to the government, nothing is quick.  Unless they want your money, right!  So the big question… How long does this process take?  Many of my clients have submitted their applications and the results are all mixed.  I can say that having an experienced person review it for accuracy before submitting the forms, it will most likely go through without question.  The process could still take 4-6 months and as much as 9 months depending on which processing center handled the claim and the backlog they have.  

Families and loved ones will have to discuss how services will be paid for during this lengthy process.  One good thing to know is that all benefits are retro-dated back to the original filing date.  There are companies out there that will contractually do the application process and front you the money during this process as long as you work through them.  This has some good and bad points.  Beware.  They do take part of the benefits ($$$) once approved.  This will leave the person needing the service with less money which equals less hours with professional care. 

Suppose the applicant is age 90 or older and time is critical?   

You should request the application process be expedited. When submitting your application, include a letter stating the applicant is 90 or over and request the process be expedited and given a priority. 

How about if a family member has to help fill out these forms?  

Include VA form 21-0845 (Authorization to Disclose Personal Information to a Third Party)   The VA will not discuss the application with anyone without it.

How is countable income determined?

Answer: Gross Income - Unreimbursed Medical Expenses - Standard VA deduction = Countable Income.

Gross Income = Residence, vehicle, life insurance doesn’t count. Assets owned by the spouse do count.

Unreimbursed Medical Expenses = Only medical expenses that are paid out-of-pocket

Standard VA deduction = The VA subtracts a standard amount from each eligible applicant's countable income.  The amount subtracted from the monthly countable income depends on who is applying for Aid and Attendance benefits:

 $49.33 per month for an unmarried Aid and Attendance eligible veteran

$64.58 per month for a married Aid and Attendance eligible veteran

$33.08 per month for a surviving (widowed) spouse eligible for Aid and Attendance

Keep in mind we are dealing with the government... these numbers could change.  


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Have you looked at a government website lately?  Wow, are they hard to navigate.  If you don’t know exactly what you are looking for, you’re going to have a hard time finding it.  Calling the government and finding answers is even harder.  As a veteran, I find this very frustrating.   I’m going to... (more)

Have you looked at a government website lately?  Wow, are they hard to navigate.  If you don’t know exactly what you are looking for, you’re going to have a hard time finding it.  Calling the government and finding answers is even harder.  As a veteran, I find this very frustrating.  

I’m going to do my best to help you understand the ins and outs of applying for the VA Aid and Attendance and Housebound Pension Plan.

Applying for the Aid & Attendance and Housebound Pension can be a huge undertaking. Here is a definition from the VA Government website: 

“Veterans and survivors who are eligible for a VA pension and require the aid and attendance of another person, or are housebound, may be eligible for additional monetary payment. These benefits are paid in addition to monthly pension, and they are not paid without eligibility to Pension.”

“Since Aid and Attendance and Housebound allowances increase the pension amount, people who are not eligible for a basic pension due to excessive income may be eligible for pension at these increased rates. A Veteran or surviving spouse may not receive Aid and Attendance benefits and Housebound benefits at the same time.”

My recommendation is to familiarize yourself with the VA website first before you contact your VA regional office and collect the following documents. 

Discharge/Separation Papers (DD-214). If you need to request a copy, you can either fill out an SF 180  or, you can visit http://www.archives.gov/veterans/military-service-records/  and follow the instructions on the website. (Keep in mind when you are filling out this form…  Requesting a DD-214 takes approximately two weeks.  If you also check the “medical records” box it could take months to locate.  They will not send you anything until they have everything.  You don’t need medical records to apply, just a copy of your military records (DD-214)

Copy of Marriage Certificate and all marital information.  

Copy of the Death Certificate (only if you are a surviving spouse of an eligible VET).  

Copy of current Social Security Benefit Award Letter. (You can request this from a local office or it can be requested online).

Applicant’s net worth, this includes bank accounts, CDs, Trusts, Stocks, Bonds, Annuities, etc.  

Insurance premiums, medications, medical bills or any other non-reimbursable medical expenses. 

Physician orders that includes sufficient detail to determine whether there is disease or injury producing physical or mental impairment, loss of coordination, or conditions affecting the ability to dress and undress, to feed oneself, to attend to sanitary needs, and to keep oneself ordinarily clean and presentable.  Whether the claim is for Aid and Attendance or Housebound, the report should indicate how well the applicant gets around, where the applicant goes, and what he or she is able to do during a typical day. In addition, it is necessary to determine whether the claimant is confined to the home or immediate premises.

Banking information for Direct Deposit of Aid and Attendance monthly payments (include a voided check). 

Now that you have collected all the documents you are ready to complete the VA Form 21-526   (Use this form if you currently have a disability that is the result of an injury, disease, or an event in military service) and/or VA  Form 21-534  (Use this form if your applying for VA benefits you may be entitled to receive as a surviving spouse or child of a deceased veteran)

The instructions for these forms are right on the form.  These links also take you to a fillable form that can be filled out online and saved.  

Always verify the correct mailing address, as this could delay benefits.  

Always mail your application certified so you can track it and avoid the potential of the VA stating that the application was not received. 

Always keep a copy of everything and never mail the originals unless they specifically request something.   Then ask if a certified copy would work?

Hope this helps!


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The first step you should take is to do a lot of research on the subject.  Look at the specific type of cancer he has as well.  That means to search the web, talk to family and friends and maybe a doctor.  Understand everything you can about this and then be understanding to your grandfather... (more)

The first step you should take is to do a lot of research on the subject.  Look at the specific type of cancer he has as well.  That means to search the web, talk to family and friends and maybe a doctor.  Understand everything you can about this and then be understanding to your grandfather.  Things you need to learn about are behavior changes.  You need to understand the changes he might go through when and if he gets a treatment.  Look for national, regional and local resources that could help him out.  The best thing you can do is to be there for him and support him in any way you can.  

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There are a few ways of doing this.  I'm not sure if you have friends or family nearby to help.  If you do, I would recommend that they help you with a simple "garage sale".  Have them separate the valuable from the not so valuable.  Garage sales are not for big ticket items.  Furniture, yes... (more)

There are a few ways of doing this.  I'm not sure if you have friends or family nearby to help.  If you do, I would recommend that they help you with a simple "garage sale".  Have them separate the valuable from the not so valuable.  Garage sales are not for big ticket items.  Furniture, yes.  Diamond bracelets... No.  This is the easiest and cheapest.  And you keep all the profits.  There are companies that you can pay to come in and do this. They are called estate sale companies. These type of companies have their advantages and disadvantages.  They are going to take a percentage of the money made, but they will be asking a premium price for the items they sell.  Here is the thing with them... they will do it all.  From organizing to pricing to advertising... everything, that's why it costs you.  Another way I can recommend is going through your church.  The second part of your question about "health care and other advice as we plan to age in the home".  Don't hesitate to ask your questions, that's what were are here for.  

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99 and still active!  Wow!  That's awesome.  I couldn't agree more with her family to use the walker more.  It's for her own safety.  It's better to use it and slow down than to fall.  It's tough to recover from a fall at that age.  You should encourage her to use it every time she is walking and... (more)

99 and still active!  Wow!  That's awesome.  I couldn't agree more with her family to use the walker more.  It's for her own safety.  It's better to use it and slow down than to fall.  It's tough to recover from a fall at that age.  You should encourage her to use it every time she is walking and stay close to her to assist if needed.  

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Sorry to hear that things are not working out.  Medicaid is state run program and each state has different rules they follow.  You can always request a different caregiver from the agency.  You just to tell them that things are not working out.   As for using someone else that might not be working... (more)

Sorry to hear that things are not working out.  Medicaid is state run program and each state has different rules they follow.  You can always request a different caregiver from the agency.  You just to tell them that things are not working out.   As for using someone else that might not be working for the agency, that would be a question for the agency.  Most likely you will not be able to use them unless they work for the agency.  State funds might cover the care but they will not pay out to just anyone.  I would approach the agency for options for your situation.  

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I would reach out to the Mayor's Commission on Aging in Philadelphia.  The mission of the Mayor's Commission on Aging is to improve the quality of life for older adults in Philadelphia. Opportunities and Services for Philadelphia Residents 55+. Their services are Free to Residents.  They are located... (more)

I would reach out to the Mayor's Commission on Aging in Philadelphia.  The mission of the Mayor's Commission on Aging is to improve the quality of life for older adults in Philadelphia. Opportunities and Services for Philadelphia Residents 55+. Their services are Free to Residents.  They are located at 100 South Broad Street 4th Floor, Philadelphia, PA 19110.  Their office phone number is (215) 686-8450 

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I would like to be clear of the understanding of companion care.  Companionship care offers company and friendship to the loved one. Companions may help with certain household chores, but their primary purpose is to spend time with the patient. This is all non-medical care.  I do know that Senior... (more)

I would like to be clear of the understanding of companion care.  Companionship care offers company and friendship to the loved one. Companions may help with certain household chores, but their primary purpose is to spend time with the patient. This is all non-medical care.  I do know that Senior Helpers (626) 241-1348 and Home Instead (626) 938-0113 offers this type of care in that area.  

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I would only recommend going through an home care agency.  There are agencies throughout the state of California.  When you are searching for the right agency, keep in mind that the agencies that use W-2 employees are more likely to provide you with everything in their price.  Using those type of... (more)

I would only recommend going through an home care agency.  There are agencies throughout the state of California.  When you are searching for the right agency, keep in mind that the agencies that use W-2 employees are more likely to provide you with everything in their price.  Using those type of agencies, you shouldn't have to worry about required licenses, background checks, workers comp insurance, and paying their taxes.  Not to mention the laws on payroll.  There is a lot involved when you hire the caregiver direct.  Going through an agency cost a little more, but in the long run will be much better for your peace of mind.  Some of the larger franchised agencies are: Home Instead, Senior Helpers, Comfort Care, Right at Home.  

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Thank you for reaching out.  You are not alone.  Buying in bulk from a warehouse style company like CostCo or SAMs can save you money rather than buying it at the local supermarket.  Some local churches help their congregation with this.  From time to time the Convalescent Aid Society has it for... (more)

Thank you for reaching out.  You are not alone.  Buying in bulk from a warehouse style company like CostCo or SAMs can save you money rather than buying it at the local supermarket.  Some local churches help their congregation with this.  From time to time the Convalescent Aid Society has it for nothing more than a donation.  They are local and non-profit.  Their address and number is 3255 E. Foothill Blvd, Pasadena CA. 91107.  And their number is 626-793-1696.  They also offer assistance with borrowing durable medical equipment.  You can try the LA County Community and Senior Services at 1-800-510-2020 and see if they can assist.  Also,  the Huntington Hospital Senior Care Network might provide resources through the hospital.  You can try them at 626-397-3110.  

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To be eligible for the VA's Aid and Attendance Benefit program you must meet certain parameters.  You must have served 90 days of active duty, 1 day beginning or ending during the following Wartime Periods... Under current law, VA recognizes the following wartime periods to determine eligibility for... (more)

To be eligible for the VA's Aid and Attendance Benefit program you must meet certain parameters.  You must have served 90 days of active duty, 1 day beginning or ending during the following Wartime Periods...

Under current law, VA recognizes the following wartime periods to determine eligibility for VA Pension benefits: 

  • Mexican Border Period (May 9, 1916 – April 5, 1917 for Veterans who served in Mexico, on its borders, or adjacent waters) 
  • World War I (April 6, 1917 – November 11, 1918) 
  • World War II (December 7, 1941 – December 31, 1946) 
  • Korean conflict (June 27, 1950 – January 31, 1955) 
  • Vietnam era (February 28, 1961 – May 7, 1975 for Veterans who served in the Republic of Vietnam during that period; otherwise August 5, 1964 – May 7, 1975) 
  • Gulf War (August 2, 1990 – through a future date to be set by law or Presidential Proclamation)
Other parameters are financial and the type care that is needed. If your father is eligible for these benefits, he can use these funds to offset the cost for the care at home. Let me know if you have questions about applying. This can seem difficult, but it's manageable if you follow the steps.  
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There are different places to look both within the church and outside the church.  If you are looking for assistance outside the church a good place to start is the Huntington Hospital Senior Care Network Resource Center.  They offer day-time and evening meeting groups.  This will give you the... (more)

There are different places to look both within the church and outside the church.  If you are looking for assistance outside the church a good place to start is the Huntington Hospital Senior Care Network Resource Center.  They offer day-time and evening meeting groups.  This will give you the opportunity to share your feelings and exchange information and ideas. 

http://www.huntingtonhospital.com/Main/CaregiverSupport.aspx

 Here is a small write up on it.  

If you are caring for an older adult or an adult with a disability, need information on community resources or have questions about aging, get answers to your questions from a Huntington Hospital Senior Care Network professional. Our Resource Center can also provide referrals to care-management providers throughout the United States.
Call (626) 397-3110 or (800) 664-4664 to learn more. Cost: Free. 

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First, refer to an earlier article that discusses the differences between "Home Care" and "Home Healthcare".  There is only 1 word that is different but both carry a completely different meaning and how they are paid.     Visit... http://caregivinganswers.com/questions/what-is-the-difference-between... (more)

First, refer to an earlier article that discusses the differences between "Home Care" and "Home Healthcare".  There is only 1 word that is different but both carry a completely different meaning and how they are paid.     Visit...

http://caregivinganswers.com/questions/what-is-the-difference-between-home-healthcare-and-just-home-care

Most companies specialize in what they do best.  So Home Healthcare companies provide skill nurses, OT, PT to help one get better faster.  That doesn't mean that they couldn't help with other things like meals and transportation, but most likely they don't (so just ask them).  You are going to have to rely on other resources to assist with these other things like transportation, meals etc.  Let's take "transportation" for instance.  There are several types of transportation.  You have emergency, medical and non-medical transportation.  Emergency transportation is for 911 situations.  Medical transportation provides a specialized vehicle.  If you are confined to a wheelchair, they will have a mechanical lift to get you in and out of the vehicle safely.  Non-medical transportation could be provided by a home care company that offers a caregiver to take you to your appointments in their car or your car.  

Meals can be provided by meals on wheels, church communities or a home care company.  Home care companies provide the caregiver to come to your home and make the meals for you right in the home.  As for electric wheelchairs, these are expensive.  Insurance companies on very rare situations provide these.  Did I say "very rare"?  There are nonprofit organizations out there that loan medical equipment for in-home use.  They work on donations.  The Convalescent Aid Society services the San Gabriel Valley of Los Angeles.  You can find them on their website     http://cas1.org/wp/services/   to see if they are in your area.  Some churches offer the same type services.  

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