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Family CaregiverFINANCIAL WORKBOOKFOR VETERAN AND MILITARYFAMILY CAREGIVERSA PRACTICAL GUIDE FOCUSED ON HEALTH, HOUSING,AND MONEY MANAGEMENT
Dear Family Caregiver:Being a veteran or military caregiveris a labor of love that comes withThroughout this guide, you’lla lot of responsibilities. While it’ssee places where we highlighthard to put a price on caring, itpotential “caregiving costs” toalso comes with some real out-ofhelp you track what you spend on caringpocket costs for you. AARP research for your military veteran. Understandingshows family caregivers spendyour out-of-pocket costs allows you toclose to 8,000 per year of their own plan and save, which can take pressuremoney caring for family membersoff your own household budget.who are aging, ill, or living withdisabilities – even more for those caring for wounded warriors. You may be pickingup groceries, helping with housework, or making trips to the doctor or pharmacy:all the little things add up. Having a clear picture of what’s involved—whether it’syour care recipient’s health, housing, or finances—lets you plan ahead and makethe juggling act a little easier.AARP has created this guide to help you get organized. Each set of worksheetsis designed for you to capture the essential information you need to manage thecomplex responsibilities of caregiving. We recommend you make a copy of thecompleted guide to give to a trusted relative, colleague or friend in the event youare unable to care for your care recipient.Some places in this guide are designed to help you make your own plans, as wellas a plan for your care recipient. We have created it this way for two reasons: 1) tohelp you plan for costs and responsibilities of caregiving; and 2) to make sure youhave plans in place for yourself should something happen to you. As you answerthe questions, we encourage you to use this as an opportunity to have criticalconversations with the recipient of your care, if possible. While creating dialogueand developing a plan can be hard work, it can also give you great peace of mindwhen challenges arise.AARP and other organizations supporting veterans and military families havemany resources to help you. We have listed a number of them in the back of thisworkbook. Importantly, if you or your loved one are thinking about harmingyourself, the National Suicide Prevention Lifeline is available to you 24/7 for free:1-800-273-8255NATIONAL SUICIDE PREVENTION LIFELINE
CONTENTSHealth 4Health Care Plan5Health Care Team8Back-Up Caregivers10Powers of Attorney11Will & Estate Planning14Burial Plans17Housing 18Home19Transportation22Special Diets and Allergies24Safe Contents25File Contents26Money 27Monthly Budget28Investments and Debts 31Reflection / Future Planning 34Future Planning35Future Reflection Sheet37Resources 39Key Terms 41Financial Workbook For Veteran and Military Family Caregivers 3
HEALTHIn this section, we are going to make a plan for managing your care recipient’s health.The following pages cover health, sickness, and even death. As a caregiver, it is vital toplan for end-of-life care for your care recipient. In addition to this workbook, AARP has arange of resources to help with this difficult topic, which you can find at the end of thisguide. To complete this section, you’ll want to take the time to gather medical contacts,medications, and all other items involved in your care recipient’s health care plan.Health Care PlanHealth Care TeamBack-Up CaregiversPowers of AttorneyWill & Estate PlanningBurial Plans4 Financial Workbook For Veteran and Military Family Caregivers5810111417
HEALTH CARE PLANHEALTHHOUSINGMONEYUse the following pages to noteimportant information about yourcare recipient’s health care, includingany ongoing issues or conditions.This is also a chance to make a listof current medications they use oraccommodations they need to accesscare. Be sure to update this list regularlyso you have it to refer to should theneed arise.REFLECTION/FUTURE PLANNINGFinancial Workbook For Veteran and Military Family Caregivers 5
HEALTHYour Care Recipient’s Health Care PlanPRIMARY HEALTH INSURANCE PROVIDER:List the name, contact information, and member number for your care recipient’s primaryhealth insurance.MEMBER NUMBER:COST OF PRIMARY CARE CO-PAYS:COST OF SPECIALIST CARE CO-PAYS:ANNUAL DEDUCTIBLE, IF APPLICABLE:CATASTROPHIC CAP, IF APPLICABLE:SECONDARY HEALTH INSURANCE PROVIDER:If applicable, list the name, contact information, and member number for your care recipient’ssecondary health insurance.MEMBER NUMBER:6 Financial Workbook For Veteran and Military Family Caregivers
HEALTHYour Care Recipient’s Health Care PlanCURRENT HEALTH ISSUESHEALTHHOUSINGCURRENT MEDICATIONS(for example: wheelchair, medical transportation, large print, translation services)MONEYNEEDED ACCOMMODATIONS TO ACCESS CAREREFLECTION/FUTURE PLANNINGEMERGENCY CONTACTS OTHER THAN YOUOTHER IMPORTANT DETAILSFinancial Workbook For Veteran and Military Family Caregivers 7
HEALTHHealth Care TeamUse this page to list the contact information of all the importanthealth care providers your care recipient uses. Even though youmight not need all these every day, it is helpful to have them all inone place when you need them. Be sure to keep this list updatedas providers change.HOSPITALList your care recipient’s preferred hospital, including address and phone number.HOSPITAL NAMEADDRESSPHONE NUMBERCURRENT HEALTH CARE PROVIDERSList current health care providers, including name and contact information.NAMECONTACT INFONAMECONTACT INFONAMECONTACT INFONAMECONTACT INFO8 Financial Workbook For Veteran and Military Family Caregivers
HEALTHHealth Care TeamDENTISTNAMEHEALTHCONTACT INFOMENTAL HEALTH PROVIDER(S)Does your care recipient see a mental health provider? List name and contact information.HOUSINGNAMECONTACT INFOVISION/HEARINGDoes your care recipient use glasses or hearing aids? List name and contact ofNAMEMONEYoptometrist/ophthalmologist and/or audiologist, if applicable.CONTACT INFOList your care recipient’s preferred retail and mail order pharmacies, with contact information.NAME/CONTACT INFONAME/CONTACT INFONAME/CONTACT INFOOTHER CARE NEEDSList all other medical information someone might need to know about your care recipient.Allergies? Other medical issues? Calming activities?Financial Workbook For Veteran and Military Family Caregivers 9REFLECTION/FUTURE PLANNINGPHARMACY
HEALTHBack-Up Caregivers/Other Sources of SupportUse this page to note other people who are involved in your carerecipient’s life and care. These are important phone numbers tokeep handy in case you are ill or unavailable.IN-HOME CAREDoes your care recipient get in-home health care from anyone other than you? List name andcontact information for health aides, physical therapists, etc.OTHER CAREGIVERSWho can step in if you are ill or unavailable? List other sources of caregiving support for your carerecipient.FAITH COMMUNITYIs your care recipient part of a faith community? List name and contact information.10 Financial Workbook For Veteran and Military Family Caregivers
POWERS OF ATTORNEYFinancial Workbook For Veteran and Military Family Caregivers 11REFLECTION/FUTURE PLANNING* Remember POAs must be notarized for them to be official *The pages in this workbook will not serve as an official POA.MONEYAs a caregiver, this is also a good time to create POAs foryourself, especially if you will serve as one for your carerecipient. That’s why the following pages provide youwith the templates to complete the forms necessary foryou and your care recipient.HOUSINGYour care recipient may choose you or another personthey trust for power of attorney. This is a good time for aconversation about who is best suited to handle financialand/or medical decisions, as sometimes different peoplewill serve different roles.HEALTHPowers of attorney, commonly called POAs or simplya POA, allow someone to act on your behalf if you arenot able to make decisions or sign for something onyour own. Most people put POAs in place in case ofmedical reasons, but POAs can be used to make financialdecisions as well.
HEALTHYour Power of AttorneyWHAT KIND DO YOU NEED?MedicalFinancialOtherWHO DO YOU TRUST TO MAKE DECISIONS ON YOUR BEHALF?Who do you trust to make the best decisions on your behalf?MedicalFinancialOtherWHERE ARE YOUR POAs KEPT?List the location(s) of where you will store your POAs.12 Financial Workbook For Veteran and Military Family Caregivers
HEALTHCare Recipient Power of AttorneyWHAT KIND DOES YOUR CARE RECIPIENT NEED?FinancialOtherList who your care recipient trusts to make decisions on his or her behalf.MedicalHOUSINGWHO DOES YOUR CARE RECIPIENT TRUST TO MAKE THE DECISIONS ONTHEIR BEHALF?HEALTHMedicalMONEYFinancialOtherList the location(s) of where your care recipient will store his or her POAs.Financial Workbook For Veteran and Military Family Caregivers 13REFLECTION/FUTURE PLANNINGWHERE ARE YOUR CARE RECIPIENT’S POAs KEPT?
WILL AND ESTATE PLANNINGAs a caregiver, death and end-of-life careare vital topics to discuss. Knowing yourcare recipient’s wishes in advance allowsyou and your family to prepare. At thesame time, it is important to have yourown affairs in order because you areresponsible for someone else’s care.HEALTHWhen preparing a will, people need tochoose the person who will carry outtheir final wishes. This person is called anexecutor, and can be a family member, alawyer, or a trusted friend. You and yourmilitary veteran will both need to decidewho will be your executors in case ofdeath.14 Financial Workbook For Veteran and Military Family Caregivers
HEALTHYour Will And Estate PlanHEALTHUse this page to make notes/a plan for your own will and estate,in case of your death. Because you are responsible for caring forsomeone else, it’s important to have plans in place in case theneed arises.If you already have a will, where is it kept?MONEYReal estate: If you need to create a will, list any home(s) or property you own.HOUSINGWho serves—or will serve—as the executor of the will?(Remember: an executor is the person who carries out your final wishes)Savings and retirement: List bank/financial institution name, contact information, and type of account(checking, savings, pension, 401k).Pets: List your personal and service animals.Misc: List valuable personal property you own, such as jewelry, cars, boats, etc.Financial Workbook For Veteran and Military Family Caregivers 15REFLECTION/FUTURE PLANNINGList people who will be financially impacted by your death.
HEALTHWill and Estate Planning forYour Care RecipientUse this page to make notes and a plan for your carerecipient’s estate.If your care recipient already has a will, where is it kept?Who serves—or will serve—as the executor of the will?(Remember: an executor is the person who carries out your care recipient’s final wishes)Real estate: If you care recipient needs to create a will, list any home(s) or property they own.Savings and retirement: List bank/financial institution name, contact information, and type of account(checking, savings, pension, 401k).List people who will be financially impacted by your care recipient’s death.Pets: List your care recipient’s personal and service animals.Misc: List any valuable personal property your care recipient owns, such as jewelry, cars, boats, etc.16 Financial Workbook For Veteran and Military Family Caregivers
HEALTHBurial PlansUse the next pages to list yourend of life plans.Use this page to make a plan for your care recipient’s burial.HEALTHBURIAL PLANSLOCATION AND OTHER DETAILSHOUSINGSERVICESLOCATION AND OTHER DETAILSMONEYPREFERRED READINGS, SONGS, SCRIPTURES:If not, do they have savings set aside?OTHER DETAILSFinancial Workbook For Veteran and Military Family Caregivers 17REFLECTION/FUTURE PLANNINGCOSTS: Does your care recipient have life, burial, or other insurance to cover costs?
HOUSINGThe following pages focus on housing and life athome for your care recipient. We cover varioustopics that help you get your military veteran’shouse in order.Home19Transportation22Special Diets & Allergies 24Safe Contents 25File Contents 2618 Financial Workbook For Veteran and Military Family Caregivers
HOUSINGCare Recipient’s HomeWHO LIVES WITH YOUR CARE RECIPIENT?HEALTHDOES YOUR CARE RECIPIENT OWN A HOME?MONEYHow much is your care recipient’s monthly mortgage payment?HOUSINGList name and contact information for mortgage holder:Do they cover it on their own, or are you responsible for a share?List name and contact information for landlord:How much is your care recipient’s rent and when is it due?Do they cover it on their own, or are you responsible for a share?Financial Workbook For Veteran and Military Family Caregivers 19REFLECTION/FUTURE PLANNINGDOES YOUR CARE RECIPIENT RENT?
HOUSINGCare Recipient’s HomeWHO IS YOUR CARE RECIPIENT’S HOME INSURANCE THROUGH?List insurance company’s name, contact information, and account number:How much is your care recipient’s annual home insurance and how is it paid?Do they cover it on their own, or are you responsible for a share?WHO IS YOUR CARE RECIPIENT’S RENTAL INSURANCE THROUGH?List insurance company’s name, contact information, and account number:How much is your care recipient’s annual renter’s insurance?Do they cover it on their own, or are you responsible for a share?20 Financial Workbook For Veteran and Military Family Caregivers
HOUSINGCare Recipient’s HomeDOES YOUR CARE RECIPIENT PAY PROPERTY TAXES?HOUSINGDoes your care recipient cover payment on their own, or are you responsible for a share?HEALTHHow much are annual property taxes and how are they paid?UTILITIESNAMEMONEYList utility company names, contact information, and account numbers.CONTACT INFOACCT. NO.REFLECTION/FUTURE PLANNINGNAME:CONTACT INFOACCT. NO.NAME:CONTACT INFOACCT. NO.NAME:CONTACT INFOACCT. NO.Financial Workbook For Veteran and Military Family Caregivers 21
HOUSINGYour Care Recipient’s TransportationUse this page to make notes about how your care recipient getsaround. Whether they own a vehicle or take the bus, it’s helpful toknow what options they prefer and to record important dates. Besure to keep this updated regularly.DOES YOUR CARE RECIPIENT HAVE A DRIVER’S LICENSE?When it is due for renewal?DOES YOUR CARE RECIPIENT OWN OR LEASE ANY VEHICLES?OwnLeaseIF YOUR CARE RECIPIENT LEASES OR OWES A PAYMENT ON THEIR VEHICLE,WHO HOLDS THE BANK NOTE?List name, contact information, and account numberNAMECONTACT INFOACCT. NO.What is the monthly payment amount?Does your care recipient cover the payment on their own, or are you responsible for a share?22 Financial Workbook For Veteran and Military Family Caregivers
HOUSINGYour Care Recipient’s TransportationHEALTHWHERE DOES YOUR CARE RECIPIENT HAVE THEIR VEHICLE INSURED?List name, contact information, account number, and annual insurance cost.NAMECONTACT INFOACCT. NO.HOUSINGANNUAL COSTDoes your care recipient pay for auto insurance on their own, or are you responsible for a share of it?MONEYWHEN AND WHERE DOES YOUR CARE RECIPIENT RENEW THEIRCAR REGISTRATION?If your care recipient requires a handicap permit, when is it due for renewal?TRANSPORTATIONPublic transportation servicePrivate transportation serviceMedical transportOtherWhat are the approximate monthly costs for your care recipient’s transportation (e.g., gas money,bus pass, specialized transport)?Do they cover these costs, or are your responsible for a share?If you are responsible for transportation for your care recipient, who can you rely on to provide back up ifyou are ill or unavailable?Financial Workbook For Veteran and Military Family Caregivers 23REFLECTION/FUTURE PLANNINGIf your care recipient does not own or lease a vehicle, how do they get around?
HOUSINGSpecial Diets and AllergiesUse this page to note any allergies or special dietary needs yourcare recipient has, as well as any equipment or support needed,including food for service animals.MEATS AND/OR IAL EQUIPMENT FOR EATING(EG: GI TUBE, LIQUID DIET)SERVICE ANIMAL DIET24 Financial Workbook For Veteran and Military Family Caregivers
HOUSINGSafe ContentsLIFE INSURANCE POLICYPOWERS OF ATTORNEYPOWERS OF ATTORNEYWILL & ESTATE PLANWILL & ESTATE PLANORIGINAL VA DETERMINATION LETTERORIGINAL VA DETERMINATION LETTERSOCIAL SECURITY CARDSSOCIAL SECURITY CARDSORIGINAL DD214ORIGINAL DD214COPY OF DRIVER’S LICENSECOPY OF DRIVER’S LICENSEPASSPORTSPASSPORTSMARRIAGE CERTIFICATEMARRIAGE CERTIFICATEBIRTH CERTIFICATESBIRTH CERTIFICATESADOPTION RECORDSADOPTION RECORDSIMMUNIZATION RECORDSIMMUNIZATION RECORDSVA CAREGIVER LETTERVA CAREGIVER LETTERCAR TITLESCAR TITLESPASSWORD LISTPASSWORD LISTOTHER IMPORTANT DOCUMENTSTHAT WOULD BE DIFFICULT TOREPLACE IF THEY WERE DESTROYEDOTHER IMPORTANT DOCUMENTSTHAT WOULD BE DIFFICULT TOREPLACE IF THEY WERE DESTROYEDFinancial Workbook For Veteran and Military Family Caregivers 25REFLECTION/FUTURE PLANNINGLIFE INSURANCE POLICYMONEYCARE RECIPIENTHOUSINGYOURSHEALTHAs a caregiver, it is helpful to know where your importantdocuments are, as well as where your care recipient stores theirown. Use this checklist to note which items you have put intosecure storage.
HOUSINGYour Care Recipient’s File ContentsAs a caregiver, it is helpful to know where your importantdocuments are, as well as where your care recipient stores theirown. Use this checklist to note which items you have put into afiling system, so you, your care recipient, and another trustedcaregiver can find them if necessary.YOURSCARE RECIPIENTCOPY OF LIFE INSURANCE POLICYCOPY OF LIFE INSURANCE POLICYCOPY OF WILL & ESTATE PLANCOPY OF WILL & ESTATE PLANCOPY OF BIRTH CERTIFICATES& ADOPTION RECORDSCOPY OF BIRTH CERTIFICATES& ADOPTION RECORDSCOPY OF MARRIAGE CERTIFICATESCOPY OF MARRIAGE CERTIFICATESCOPY OF IMMUNIZATION RECORDSCOPY OF IMMUNIZATION RECORDSCOPY OF VA CAREGIVER LETTERCOPY OF VA CAREGIVER LETTERCOPY OF DD214COPY OF DD214EOB (ESTIMATION OF BENEFITS)FROM YOUR MEDICAL AND DENTALINSURANCE PROVIDERSEOB (ESTIMATION OF BENEFITS)FROM YOUR MEDICAL AND DENTALINSURANCE PROVIDERSOTHER IMPORTANT DOCUMENTS THATWOULD BE DIFFICULT TO REPLACE IFDESTROYEDOTHER IMPORTANT DOCUMENTS THATWOULD BE DIFFICULT TO REPLACE IFDESTROYEDWHERE ARE FILES LOCATED?26 Financial Workbook For Veteran and Military Family Caregivers
MONEYOne of the most important responsibilities as a caregiver is planning and managingmoney—both your own and your care recipient’s. The following pages are designedto help you organize your financial affairs now and into the future. We have createdthree budget worksheets for you: one to plan for your overall income and expenses,one to plan for your caregiving income and expenses, and one to track your carerecipient’s income and expenses. Remember that these will be approximate, assome expenses change from month to month; however, we hope this tool will helpyou understand overall cash flow and spot any gaps that could make you dip intosavings—or debt.In addition to this guide, AARP has created and collected a wide range of easy-touse money management tools for veteran and military caregivers, which you canfind on our Budgeting and Saving page (www.aarp.org/money/budgeting-saving).There you will also find our free Home Budget Calculator to get you started ontracking income and expenses.Keep in mind that a budget is an active, living document that will change withyour needs and responsibilities. And as you create a budget, we encourage you toremember these helpful tips:1. List every expense, not just major bills2. Calculate all income from all sources3.Document exact expenses where possible.Monthly Budget28Investments and Debts 31Financial Workbook For Veteran and Military Family Caregivers 27
MONEYYour Monthly BudgetUse this page to make a monthly budget for yourself to trackyour approximate monthly income versus expenses. Creating abudget will help you plan for how to spend money left over afteryou’ve paid all your bills—or to spot places where you might RTGAGE/RENTCAR PAYMENTSCHOOL/COLLEGE/OTHER TUITION FEESEDUCATION LOANSCOLLEGE SAVINGS/529RETIREMENT SAVINGS/401KHEALTH ANCEINCOME – EXPENSES28 Financial Workbook For Veteran and Military Family Caregivers
MONEYYour Caregiving BudgetHEALTHUse this page to track the money you spend on caregiving for yourcare recipient. While you may receive VA benefits, disability, longterm care insurance or other income that you use for caregiving,we also know it may not go far enough. Because some expensesare predictable and some vary, putting pen to paper can help yousketch out the associated costs and better plan for the future.HOUSINGESTIMATE YOUR ANNUAL COST FOR EACH OF THEFOLLOWING EXPENSES:HEALTH INSURANCE PAYMENTDOCTORS’ OFFICE CO-PAYSMONEYPRESCRIPTION CO-PAYSOTHER MEDICAL/FIRST AID SUPPLIES AND EQUIPMENTGROCERIESTRANSPORTATION/GASFINANCIAL SUPPORT PROVIDED FOR CAREGIVING(E.G., INSURANCE PAYMENT, VA BENEFIT, ETC.)PERSONAL CONTRIBUTIONTOTALFinancial Workbook For Veteran and Military Family Caregivers 29REFLECTION/FUTURE PLANNINGHOME REPAIRS
MONEYYour Care Recipient’s Monthly BudgetUse this page to make a monthly budget to track your carerecipient’s approximate monthly income versus expenses. Creatinga budget will help you plan for the places you may need to step into provide support.INCOMEJOB/EMPLOYMENTOTHERDISABILITY INCOME SUCH AS VA DISABILITY, SSI, ETC.EXPENSESMORTGAGE/RENTCAR PAYMENTHEALTH ANCEINCOME – EXPENSES30 Financial Workbook For Veteran and Military Family Caregivers
INVESTMENTS AND DEBTSMONEYREFLECTION/FUTURE PLANNINGFinancial Workbook For Veteran and Military Family Caregivers 31HOUSINGOne way to get out of debt is to organizeyour debts by the balance due. If youorganize the debts from smallest to largestyou can focus on the smallest debt first inhopes of eliminating it. Once you pay off thesmallest balance, you then can move on tothe next smallest. You continue this cycleuntil you are debt free.HEALTHLike budgeting, investments and debtsare another area where caregivers shouldunderstand both their own landscape andthat of their care recipient. Each is a financialcommitment that can affect your future, soit’s important to understand how they affectincome and expenses. Ideally, your savingsshould be at least 10 percent of your income,and debt should not exceed 28 percent ofyour income.
MONEYYour Investments and DebtsDO YOU HAVE INVESTMENT ACCOUNTS?(e.g., 401k, Roth IRA, etc.)?YesNoIf yes, what is the approximate value?What is your approximate contribution annually?LIST DEBTS YOU OWE FOR EDUCATION, CREDIT CARDS, VEHICLES, OROTHER MAJOR EXPENSES.ITEMAMOUNT OWED32 Financial Workbook For Veteran and Military Family CaregiversMONTHLY PAYMENTINTEREST RATE
MONEYYour Care Recipient’s Investmentsand DebtsDOES YOUR CARE RECIPIENT HAVE INVESTMENT ACCOUNTS?YesHEALTH(e.g., 401k, Roth IRA, etc.)?NoIf yes, what is the approximate value?ITEMAMOUNT OWEDMONTHLY PAYMENTHOUSINGLIST DEBTS YOUR CARE RECIPIENT OWES FOR CREDIT CARDS, VEHICLES,OR OTHER MAJOR EXPENSES.INTEREST RATEMONEYREFLECTION/FUTURE PLANNINGFinancial Workbook For Veteran and Military Family Caregivers 33
REFLECTIONS / FUTURE PLANNINGYou planned for the current day, now plan for the future. Would you like toreturn to school or switch jobs? What do you need to plan for in order toreach those goals? How might your caregiving responsibilities affect yourplans? Use information from the financial section to evaluate your options.This is also an opportunity to discuss future planning with your care recipient.What are their goals for the years ahead? Are there specific things they wantto work toward or accomplish? Use the following pages as a prompt to havethis important conversation.Future PlanningFuture Reflection Sheet34 Financial Workbook For Veteran and Military Family Caregivers3537
REFLECTIONS / FUTURE PLANNINGYour Future PlanUse this page to take notes and, if you wish, to share your thoughtswith your care recipient or other loved ones.HOUSINGHOW MUCH DO YOU HAVE SAVED OR INVESTED FOR RETIREMENT?HEALTHDO YOU NEED OR WANT MORE EDUCATION?MONEYWHAT OTHER GOALS DO YOU HAVE FOR YOUR FUTURE?Financial Workbook For Veteran and Military Family Caregivers 35REFLECTION/FUTURE PLANNINGIF THE PERSON YOU ARE CARING FOR PASSES, HOW WILL IT AFFECT YOU?
REFLECTIONS / FUTURE PLANNINGYour Care Recipient’s Future PlanUse this page to take notes from your conversation with your carerecipient.DOES YOUR CARE RECIPIENT WISH TO RETURN TO SCHOOLOR WORK OF ANY KIND?HOW MUCH DOES YOUR CARE RECIPIENT HAVE SAVED OR INVESTED FORRETIREMENT?WHAT GOALS DOES YOUR CARE RECIPIENT HAVE FOR THEIR FUTURE?IF YOU AS THE CAREGIVER WERE TO PASS OR STEP AWAY FROM YOUR ROLE,WHO ELSE WILL STEP IN? WHAT PLANS CAN YOU HELP PUT IN PLACE?36 Financial Workbook For Veteran and Military Family Caregivers
REFLECTIONS / FUTURE PLANNINGReflection SheetUse this page to take notes on your hopes and goalsfor the future.HEALTHHOUSINGMONEYREFLECTION/FUTURE PLANNINGFinancial Workbook For Veteran and Military Family Caregivers 37
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RESOURCESHere’s a list of non-profit organizations and groups who might beof assistance to you and/or your family.AARP CAREGIVING RESOURCE CENTERCODE OF SUPPORT FOUNDATIONwww.aarp.org/caregiving or 877-333-5885Your one-stop shop for tips, tools, and resources whilecaring for a loved one. For Spanish resources visitwww.aarp.org/cuidar or call 888-971-2013.codeofsupport.orgAARP VETERANS, MILITARY & THEIRFAMILIES resources.html571-418-6339DEFENDERS OF FREEDOM214-232-4962DISABLED AMERICAN VETERANS & org888-604-0234AMERICAN LEGION & AUXILIARYFAMILY terans.org/Family-SupportELIZABETH DOLE FISHER HOUSE FOUNDATIONAMERICAN RED CROSSFINANCIAL 22877-272-7337HOPE FOR THE WARRIORShopeforthewarriors.orgAMVETS HEALING HEROES &AUXILIARY esNATIONAL ASSOCIATION OF MINORITY rg877-726-8387866-626-8387BLUE STAR FAMILIESNATIONAL MILITARY FAMILY 0-2583800-260-0218COALITION TO SALUTE AMERICA’S HEROESsaluteheroes.org914-432-5400KEY:Pre 9-11Post 9-11BothFinancial Workbook For Veteran and Military Family Caregivers 39
RESOURCESNINE LINE ION FIRST est888-289-0280OPERATION SECOND ance301-972-1080U.S. DEPARTMENT OF VETERANS AFFAIRSCAREGIVER SUPPORTwww.caregiver.va.gov855-260-3274VETERANS, MILITARY & THEIR FAMILIESINITIATIVE BY AARPaarp.org/veteransVOLUNTEERS OF AMERICASUPPORTIVE SERVICES FOR eran-familiesPARALYZED VETERANS OF AMERICA CAREGIVER 844-486-2838SUPPORTVETERANS OF FOREIGN WARS UNMET NEED &pva.org/find-support/caregiver-supportAUXILIARY VETERAN FAMILY SUPPORT855-260-3274PENFED FOUNDATIONpenfedfoundation.org800-558-9224QUALITY OF LIFE FOUNDATIONWOUNDED VETERAN FAMILY -7650SEMPER FI DIER’S pport866-789-6333VIETNAM VETERANS OF AMERICA &ASSOCIATES HELPING HANDS DED WARRIOR PROJECTRESOURCE rce-center888-997-2586877-631-830040 Financial Workbook For Veteran and Military Family CaregiversKEY:Pre 9-11Post 9-11Both
KEY TERMSACTIVITIES OF DAILY LIVING (ADLS)Basic tasks of everyday life that include, but arenot limited to, dressing, bathing, eating, andtoileting.DD214: CERTIFICATE OF RELEASE ORDISCHARGE FROM ACTIVE DUTYA document of the United States Departmentof Defense, issued upon a military servicemember’s retirement, separation, or dischargefrom active duty in the Armed Forces of theUnited States.DO NOT RESUSCITATE ORDER (DNR)An order written by a doctor to fulfill anindividual’s expressed medical care wishesduring a medical emergency.CAREGIVER SUPPORT COORDINATORA licensed professional working within a VAMedical Center who matches needs withservices you’re eligible for and providesvaluable information about resources.CIVILIAN HEALTH AND MEDICAL PROGRAM(CHAMPVA)A comprehensive health care benefits programin which the VA shares the cost of coveredhealth care services and supplies with eligiblebeneficiaries.DEFENSE ENROLLMENT ELIGIBILITYREPORTING SYSTEM (DEERS)A database for service members, militaryretirees, 100 percent VA disabled veterans,dependents, DOD active contractors, andothers worldwide who are entitled to Public KeyInfrastructure and TRICARE eligibility.DEFENSE FINANCIAL AND ACCOUNTINGSERVICES (DFAS)DFAS provides payment services to the DOD.DURABLE POWER OF ATTORNEY FORFINANCESA legal document that allows people togive authority to another trusted person tomake financial decisions on their behalf. The“durable” designation means that it will stay ineffect if they become unable to manage theirown financial affairs.EMPLOYEE ASSISTANCE PROGRAM(EAP)Offered by many employers, EAPs are intendedto help employees deal with personal issuesthat affect their job performance, health, an
14 Financial Workbook For Veteran and Military Family Caregivers HEALTH WILL AND ESTATE PLANNING As a caregiver, death and end-of-life care are vital topics to discuss. Knowing your care recipient's wishes in advance allows you and your family to prepare. At the same time, it is important to have your own affairs in order because you are
