What insurance carriers do you accept?

LifeWorx accepts most long-term care insurance, including MetLife, Genworth, John Hancock, Banker’s Trust, Bright House and many other major insurance providers.

How does the insurance process work?

You can get started with a phone call or visit to one of our locations. We are happy to have our team of in-house long-term care insurance experts take care of all the meticulous paperwork and filing for you. Based on your insurance company, we can handle getting qualified (sending an RN for assessment if they want), creating a care plan, setting up direct payments to LifeWorx and managing all admin activities.

What if my policy only covers part of the total cost of care?

Many clients supplement their long-term care insurance daily or weekly through other means like family assistance and savings.

What kind of license does LifeWorx have?

LifeWorx is a licensed long-term care agency and home care services agency in New York, New Jersey and Connecticut.

(646) 517-5718

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The LifeWorx Guide to Alzheimer’s and Dementia Care

Since 2004, LifeWorx has specialized in Alzheimer’s and dementia elderly care and has been consistently finding ways to simplify the process for our caregivers and clients.

This resource guide is intended to answer your questions and offer suggestions as needed. Our Care Consultants are available to help you understand how best to serve your loved one and how to proceed during this difficult time.

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Do you have questions about our Alzheimer’s and Dementia home care services? We’re here to help! Call 1-646-517-5718

What plans should I make now to prepare for a time when can I be less engaged in making decisions?

If you or a loved one has been diagnosed with Alzheimer’s disease or related dementia, it may be difficult to think beyond day-to-day. Over time, the symptoms of Alzheimer’s and related dementias will make it difficult to think clearly. Planning as early as possible enables you to make decisions and communicate those decisions to the right people.

The below issues are important to consider as soon as possible, while still in the earlier stages of the disease.

Learning about your condition

Before you begin planning after a diagnosis of early-onset dementia, it’s important to learn what might be coming down the road ahead. The two most important first steps include:

Learning what type of dementia, you have
- Alzheimer’s is the most common form of dementia, but not the only one. To learn more please visit our page to understand different types of dementia

Researching different stages of dementia

Dementia is a progressive disease. In the early stages, it may not feel like much has changed. You’ll generally be able to take care of yourself, even with lapses in memory and changes to your normal mood or behavior. During the later stages, however, you will need support in most areas of life.

Establish a support system

Family, friends, neighbors, professionals, and your community are all part of your support system. Start building your team by identifying a decision-maker you trust. Often this person is a family member or friend. Have a conversation with this person about the type of help you may need and your long-term priorities.

The needs of your children

When older adults develop dementia, there’s a higher likelihood that their children are independent adults. It is important to make sure that your children understand what your diagnosis means and receive the information they need on ways your memory, behavior, and ability to communicate might change. This is even more important if one or more of your children will serve as caregivers.

Encourage questions, share what information you have, and seek out answers to what you do not know together. Your children should also be informed of your financial and future care decisions if age appropriate.

Employment

Most people who develop early onset dementia are not at the age of retirement. This makes considering your employment and financial situation after your diagnosis a must.

- - Have medical documentation ready. Your doctor can provide an assessment of your current ability to work.
  - Be honest about what your limitations might be moving forward, and how you plan to proceed with your employment as the disease progresses.
  - Ask if there is an employee assistance program in place that might offer support.
  - Learn more about your options regarding disability insurance, medical leave, and continuing coverage after you leave your job using COBRA.

Driving

Driving a car is an important part of living an independent life, particularly if they live in remote rural areas with no public transportation. Giving up driving can have a dramatic impact on how and where we live, as well as our freedom to do things important to our everyday lives. A person with dementia may have to give up driving immediately, or for a limited time after diagnosis.

Financial planning

Advance directives for financial planning are documents that communicate the financial wishes of a person. Financial planning must be created while the person with Alzheimer’s or related dementia has the “legal capacity” to make decisions on their own, meaning they can still understand the decisions and what they might mean.

Three common documents are included in a financial directive:
- A will specifies how a person’s estate – property, money, and other financial assets – will be distributed and managed when they die. It may also address care for minors, gifts, and end-of-life arrangements, such as funerals and burials.
- A durable power of attorney names someone to make financial decisions when the person with Alzheimer’s or related dementia is incapacitated.
- A living trust names and instructs someone, called the trustee, to hold and distribute property and funds on your behalf when you are no longer able to manage your affairs.