Steadfast Care Planning
Steadfast Care Planning is for people who want to learn how to best plan for their longevity including how to navigate extended care, long-term care insurance options, and other challenges that older adults face. Join Kelly Augspurger, Certified Senior Advisor (CSA)® and long-term care insurance specialist as she has thought-provoking conversations with industry professionals. Tune in as Kelly guides you on how to plan for care to live well.
Steadfast Care Planning
Creating an Emergency Info Binder with Kim Roberts
🎙️ There is something about human nature that tries to avoid planning for emergencies. We all know emergencies can be handled easier if we had planned for them, but still we procrastinate our preparations as if delaying it will somehow put off the inevitable. That is why creating and maintaining an emergency binder is so important.
🤝 Today, Steadfast Care Planning welcomes Kim Roberts.
🏥 In this episode, Kim dives into creating an emergency binder for the older adults in our life—a crucial, yet often overlooked, topic.
💡 Kim shares her personal experiences as a caregiver and provides invaluable tips on organizing personal, medical, financial, and legal information.
📻 Stay tuned as we break down how to compile all this essential info and ensure peace of mind for you and your loved ones.
🏡 Whether you're preparing for an aging parent or looking to get more organized yourself, this episode is packed with actionable advice you won't want to miss.
In this episode they covered:
🔹 What is an Emergency Binder?
🔹 The Need for an Emergency Binder
🔹 Main Sections of an Emergency Binder
🔹 Personal Information Listed in an Emergency Binder
🔹 Medical Information Listed in an Emergency Binder
🔹 Financial Information Listed in an Emergency Binder
🔹 Legal Information Listed in an Emergency Binder
🔹 Additional Safety and Organization Tips
🔹 Closing Remarks & Additional Ideas
📽️ To watch this episode: https://youtu.be/YX60TnAQOFI
🔗 For more information about Kim Roberts, please contact:
📲 Kim's Phone: 614-332-6740
📲 Kim's Email: kimberlelynroberts@gmail.com
#EmergencyBinder #SteadfastCarePlanning #LongTermCareInsurance #KellyAugspurger #KimRoberts #SteadfastInsurance
For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.
To explore your options for long-term care insurance, click here.
Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care Columbus.
Come back next time for more helpful guidance!
Kelly Augspurger [00:00:02]:
Hey everyone, welcome to Steadfast Care Planning, where we plan for care to live well. I'm Kelly Augspurger, long-term care insurance specialist, and your guide. With me today is Kim Roberts, the membership director with Evergold at Home. Kim, thanks so much for joining me.
Kim Roberts [00:00:16]:
Thank you for having me.
Kelly Augspurger [00:00:18]:
Today we're going to be talking about how to create an emergency binder for the older adults in your life. This is a topic that I think is really important and probably very few people actually have. So I'm so glad that Kim's here today. She's got some great tips and recommendations for what we can do to be prepared. So, Kim, can we jump right in?
Kim Roberts [00:00:38]:
Absolutely.
Kelly Augspurger [00:00:39]:
Okay, cool. So Kim, I know that a lot of adults often become involved with their aging parents healthcare and non medical needs. And I know that you strongly believe, and I do, too, that people need to have an emergency binder, or something to be prepared for their aging parents, because there's so much information that we probably don't know about them, but need to know. So will you tell us, why is this so personally important to you?
Kim Roberts [00:01:05]:
Well, thank you, Kelly. I think anything in life, when you have a plan, it always turns out better. And I am a caregiver for my mom. That was not my plan, that wasn't necessarily her plan. The way that it kind of started out is I was traveling back and forth from Florida to Ohio, I would come in about every six weeks to handle situations, and I found myself needing to know things that I didn't think I would need to know. And for one example, she was in the hospital and I had to fly in. I didn't know who her dog walker was, who the veterinarian was, where the dog would go to be groomed.
Kim Roberts [00:01:40]:
I didn't know so many things. And so I found myself having to figure those things out in times of crisis, which is never fun. And so I decided we need to have something organized and have a plan. And as I was doing this, I also was volunteering at the senior centers around Columbus, and I decided, let's make a class out of it and spread the word for everything that I'm learning. And so what's great about what we're going to talk about today, this is not just me putting this together. This is a grouping of lots of different classes that I've done throughout Columbus and people coming up to me and saying, "Hey, you should add this to your binder," or telling me a story and saying, "We didn't even think about this." So it's a lot of useful information. So I'm excited to share it with you.
Kelly Augspurger [00:02:23]:
I can't wait to hear about it. And I know that our listeners and viewers also will really are going to benefit from this. So, okay Kim, what are the main sections, or topics, that people should cover in their emergency binder? And then I know you're going to break it down in detail for us, but what are the main topics?
Kim Roberts [00:02:38]:
So you can break it down into personal information, medical information, legal information, and financial information. And we've made a list of those, and we'll go through those. But I like to say everyone has their own way of organizing. I think the key here is whatever that organization is, make it happen. And we're going to go over a lot of information. This isn't something you're going to do in one day. You're going to gather the information little by little to create that binder, and then you also will be continuing to add things to it as life happens.
Kim Roberts [00:03:15]:
So you could do this by having a binder. You could do it by having everything organized in one place, in a drawer, a filing cabinet, something on your computer. I met one lady that has an app on her phone, and she makes copies of stuff, or takes pictures and keeps it on her phone. So whatever works best for you is how you should do it. So, binder is kind of a loose term. I mean, it just kind of makes sense to organize it that way.
Kelly Augspurger [00:03:38]:
Yeah.
Kim Roberts [00:03:38]:
I had one lady who was a schoolteacher, and so she put all of her information on note cards in a box, and then she painted the box red and it said, "Emergency," and told her kids where it was.
Kelly Augspurger [00:03:49]:
Okay.
Kim Roberts [00:03:50]:
The idea for this is, what does your advocates not know? What would they need to know if anything happens and letting them know where this information is. So I've met with folks that don't want to share the information with their kids, "I'm independent. They don't need to know this. I'm in charge." But you're in charge until you're not. We never know. We don't have a crystal ball.
Kim Roberts [00:04:11]:
We never know what's going to happen. God forbid something happens, if you can't speak for yourself, what do your advocates need to know? And gather that information and put it in.
Kelly Augspurger [00:04:21]:
Okay, perfect. So there's an outline for us. So let's break it down then, by each of these topics. And I've shared my screen for those of you that are not watching and just listening. But the first thing that we're going to look at is that personal information section. So what info should be listed in there, Kim? What would be helpful?
Kim Roberts [00:04:38]:
Common sense things: driver's license, Social Security card, State ID, passport, anything that you would need to identify yourself if you were admitted to the hospital, admitted to a skilled nursing facility, et cetera. I tell folks, just take pictures of this and keep it in the binder. I have on here passwords. So myself, I have a spreadsheet where I have all my username and passwords. Those are something I can print out and put in my binder. So passwords to anything and everything. Cell phone and PC.
Kim Roberts [00:05:08]:
I have a spreadsheet. I just print my spreadsheet out and can put it in the binder. When my mom and I did this, we had to sit down and hand write everything because she didn't have that. But the cell phone password is something that I think that people don't think about. And I had a lady that told me a story about getting amnesia, and it was during COVID and she couldn't get into her cell phone, and none of her advocates could, too. So little things like that, write that down as well. Church information.
Kelly Augspurger [00:05:31]:
Can I say something about passwords? So I know there, and this is something that I personally use, 1Password. And so it's literally, you have one password that you log into, but then you can create unique passwords for different logins that your app will remember. And so if you don't want to have one document with tons of different passwords, something like that could be really helpful for your family.
Kim Roberts [00:05:53]:
Yeah, absolutely. Church information. A lot of folks that I work with are very involved in their church, or there's church people that help them, whether it's bringing in the garbage can, taking them to the grocery, taking them out to the salon, those sorts of things. If you have relationships with the church and people that are in your lives, you should have their names and numbers in that emergency binder. Some folks have told me they just take their church directory and highlight who they're in contact with and include that in their binder.
Kelly Augspurger [00:06:22]:
Okay, good idea.
Kim Roberts [00:06:23]:
Military records and documents. If you have those things that can be in your personal section. That DD214 is really important for folks that might eventually get the Aid and Attendance Benefit, or be able to qualify for some additional assistance from the VA. And it's never fun when you're ready to apply for that and you can't find it, so find it before you need it.
Kelly Augspurger [00:06:43]:
Okay.
Kim Roberts [00:06:44]:
Pet information. As I said earlier, my mom had a pet, and every time something would happen, I'd have to figure out what to do with the pet. So having all that information, including shot records and things like that, in case a pet needs to go to a boarder that is not their typical boarder.
Kelly Augspurger [00:07:01]:
This is such a good point because I don't think I would have ever thought about this before. We have a pet, really have always had a pet. And so, of course, they're a big part of your life, but when you think about caregiving, you don't necessarily think, "Do they have any animals, or pets, or plants even, that they're responsible for?" So that's a good tip.
Kim Roberts [00:07:19]:
Yeah. One of the times that my mom ended up in the hospital, I was in Florida. And it's especially important for people that are single and they don't have someone that lives with the pet as well. So personal wishes, I've always had this in here, funeral arrangements, your travel insurance, deeds to burial plots. I joke that my mom has a burial plot, but she does not want to be buried there because it's underwater and she says she can't swim. But we don't have the deed, so it'll just sit there empty.
Kim Roberts [00:07:47]:
But I've had people come up to me and add to this, saying wishes on what you would like to wear, putting a picture in the binder, like a recent picture, things I wouldn't think about because luckily I haven't gone through this yet. But these are words of wisdom from people that have come to my classes.
Kelly Augspurger [00:08:04]:
Okay. Great stuff.
Kim Roberts [00:08:07]:
And then continuing with personal information, a list of companies you have subscriptions with, auto pay bills, things that you know your advocates would never know and until they got access to your bank account and see these things coming out, if you just make a list of those, it'll be very helpful.
Kelly Augspurger [00:08:23]:
Yeah.
Kim Roberts [00:08:23]:
And then a list of communities that you've approved. I always joke, no one wakes up on Sunday and says, "I don't have anything to do, Let's go look at an assisted living." Nobody really wants to do that, but I encourage folks to look in advance. If you had to go to rehab, where would that rehab be? If you needed a supportive environment like an assisted living, you want to be able to make those choices before someone's making them for you. So go tour different communities and see which ones you like, dislike. Talk to friends and neighbors and people at church that have had good experiences.
Kim Roberts [00:08:55]:
They're not all the same, and they're constantly changing. So it's important to know what's out there. The other thing I like to tell folks about rehab is if you live on one side of town and your kids live on the other side of town, you're going to want to choose a rehab that's close to your advocates. So look at the ones close to whoever's going to be visiting you and advocating for you to make sure that they take your insurance and that you like the place. When you are discharged from a hospital, the social workers are just going to hand you a list, typically, and say, these are the places that are available, or this is the one that accepted you. So do your research and have those lists on there.
Kelly Augspurger [00:09:31]:
And home care. Home care companies as well. Right? Home care agencies.
Kim Roberts [00:09:34]:
Yeah, so home care companies, too, if you had one and you really like it, have them listed and who they are, because again, you have patient choice. And a lot of times folks don't tell you that, they just discharge you with another company. And if you had a home health company that you like, keep them and put that in your binder.
Kelly Augspurger [00:09:52]:
Yeah.
Kim Roberts [00:09:52]:
So a list of people that might come in and out of the house, cleaning companies, landscapers, handymen, etcetera. I one time was staying here in the Columbus area when I was still living in Florida. My mom was in the hospital and the cleaning ladies walked in on me because I didn't know to call them and tell them we didn't need them. So, yeah, if you have people that have access to your house, have a list of who those people are. Also the place where you put your keys and label your keys. So I'm sure that a lot of us have that junk drawer where it's full of all kinds of junk, including keys that don't have labels. So this is where I tell folks the emergency binder can be for not just paperwork. If you have keys to a shed, to a back door, to a mower, extra set of keys for the car, they're not always going to fit in the binder, but label them and put in the binder where are all the keys so that you know where they are and you have them.
Kelly Augspurger [00:10:43]:
Or even key codes. I know personally, we have a key code on our side door instead of an actual key.
Kim Roberts [00:10:48]:
So I'm going to have to add that to my list, Kelly, I didn't have that one on there.
Kelly Augspurger [00:10:51]:
Yeah. Like, how do you even get in the house if you don't have the key? Well, you got to know the code.
Kim Roberts [00:10:55]:
Yeah. Combination to safes. If you have safes or a safety deposit box at a bank, or something like that, put that information in your binder. And then address books, I know a lot of people still send out Christmas cards, so they have a list of who those Christmas cards go out to, or on their computer they might have all the addresses for their Christmas cards. Print that out and put it in the binder. And also maybe write who these people are. I tell a story about my boyfriend when his mom passed away, they found a name of someone that mom had always been sending Christmas cards out to, and he looked them up on facebook and found out that she went to elementary school, middle school, and high school with this person and reached out to her to let her know that his mom had passed.
Kim Roberts [00:11:39]:
They had never met, and she, in honor of his mom, had the high school put a chair in the band room with her name on it. And that meant a lot to the family. So, if you have those dear relationships that you're sending Christmas cards out to, and your kids aren't going to know who these people are, write down the names of who they are.
Kelly Augspurger [00:11:58]:
I wouldn't have thought of that either. That's a great summary for personal information, Kim. The Steadfast Care Planning podcast is sponsored by the Certification for Long-Term Care, CLTC, an in-depth training program that gives financial advisors the education and tools they need to discuss extended care planning with their clients. Look for the CLTC designation when choosing an advisor. If you're looking to become a CLTC, enroll in their masterclass and enter "Kelly" in the coupon code field for $200 off. What about the medical section? What should we consider in medical?
Kim Roberts [00:12:32]:
So with medical, the common sense things like your medication list, your insurance cards, but also a list of all of your doctors, your primary care, your specialist, your therapist, anybody that you see that also could potentially have your medical records. A lot of families I've talked with have just said, "I take pictures of the business card," so you can do that and print them off rather than having to hand write everything out. Or just take an extra business card and get a sheet to put in the binder that you can slip business cards in and have those in the binder. Your medication list. I always tell folks, have your primary care physician print it off when you're there. They're going to have the most up to date one. If you rely on the pharmacy, they're going to give you a list that has all kinds of stuff on it that you used to take in the past and you're not taking now. My mom keeps a handwritten one because she thinks that she knows better than the doctor, but I also, as the daughter, carry her medication list with me.
Kim Roberts [00:13:28]:
And then along with that, your history and physical, which they call H & P, you can have a copy of that as well. The primary care physician will print that off for you. And that's going to have stuff on there like who the doctor is, your blood type, allergies, things like that. So most everybody's on MyChart now. Your username and password for MyChart is great. Have that in there. Because a lot of times when we need doctor records, it could take you 3 days to get the record, it could take you 8 weeks to get the records.
Kim Roberts [00:13:56]:
But if you have your login to MyChart, you can provide that information to other companies and clinicians if you need to. So have that listed as well as your advocates can get on there.
Kelly Augspurger [00:14:06]:
Electronic is definitely much faster.
Kim Roberts [00:14:08]:
Yes. Medical equipment and supplies. If you have a company that you're getting oxygen from, a hospital bed, lift chair, any sort of equipment, have the list of the companies and their phone numbers so that you can contact them if you need additional equipment, or if you need to return the equipment at some point. And then also in the medical section is where you're going to put your emergency contacts. Families, neighbors, church, again, dog walkers, home health companies, anything that you would need to know in emergency, you can have that list there.
Kelly Augspurger [00:14:38]:
Okay, good contact information. What about financial information, Kim? What should people consider here?
Kim Roberts [00:14:43]:
So for financial information, obviously your banking accounts, bank information, creditors, utilities, account numbers and passwords. This is helpful too, if it's not necessarily an emergency, but you go to move, all of those things are going to be listed in one place. It'll make it easier when you need to close down utilities and reopen utilities someplace else.
Kelly Augspurger [00:15:03]:
Oh, for sure.
Kim Roberts [00:15:04]:
You'll also want to know if you have accounts and there's a POA listed. Write that POA next to it. Who's listed on that account? I oftentimes have to call my mom's cable company to get information, or figure out what's not working. And they won't talk to me unless I'm on the account. And I run into people that have multiple children. Some handle some things, some handle the other. Have those things listed.
Kelly Augspurger [00:15:26]:
Okay.
Kim Roberts [00:15:26]:
Mortgage information, login and passwords, credit cards and account numbers and login and passwords, investments, retirement plans and 401K. You might have a statement in there along with who the contact person is, if there needed to be any changes or questions, and also who's listed as the death beneficiary on them.
Kelly Augspurger [00:15:46]:
If they're working with a financial planner, hopefully their advisor has all of this information on the financial, at least most of it, when it comes to their investments and their retirement plan. So hopefully you don't have to document quite as much there if they're working with a planner.
Kim Roberts [00:15:58]:
Yeah, absolutely. And who that planner is. So that if you know someone has to get involved, then they know who to contact and call. Those are all things that I've had to learn over the past couple years, taking care of my mom, who's handling all of these things and what the contact is. How do I log into all of this information and be able to monitor it and keep track? Safety deposit information. We've mentioned that, but I put it in here, too, because it really depends on where you want it to fall into the binder.
Kelly Augspurger [00:16:24]:
Yeah.
Kim Roberts [00:16:25]:
If you have a long-term care insurance policy, oftentimes those are very thick and big. Either have a copy of that in there or a note of this is where it is in our drawer in our office on the right hand side. And then also know, if you have a long-term care insurance policy, that's great, don't wait until you need to use it to know what it says. What are your waiting periods, what are your number of deficiencies that need to happen? Does it cover home care and assisted living, or does it just cover assisted living? And if so, what are those dollar amounts? As we know, healthcare is becoming more and more expensive. So it's good to know what your coverage is before you need it.
Kelly Augspurger [00:16:59]:
Absolutely. You do not need to need care in order to know what you have.
Kim Roberts [00:17:02]:
Yes.
Kelly Augspurger [00:17:03]:
In your drawer, in your office, wherever it is.
Kim Roberts [00:17:06]:
When so many people buy these policies years and years ago and they've had them and they haven't thought about them.
Kelly Augspurger [00:17:12]:
Oh, no. Yeah, they don't remember what they have. So it is good idea to kind of stay up to date on, "Oh, yeah. I just need a little refresher on what I have." And let your kids know what you have and where to go to find it.
Kim Roberts [00:17:23]:
In my previous career, how I would sit down with families that were moving their loved one into assisted living and they would know nothing about mom's finances or nothing about, "I think there's a long-term care policy, but we can't find it."
Kelly Augspurger [00:17:34]:
Right.
Kim Roberts [00:17:35]:
And I would have people that would come in with a box full of paperwork and we'd weed through it to find out this information. And then I would have the person that comes in with the notebook and just starts flipping through and knows where everything is. So we want to make everyone "that person" when crisis happens.
Kelly Augspurger [00:17:50]:
Organization is so helpful.
Kim Roberts [00:17:52]:
Yeah.
Kelly Augspurger [00:17:53]:
Yeah.
Kim Roberts [00:17:53]:
And then it's always good to just keep a copy of last year's taxes in there in case for some reason you need that for something. And then if there's any deeds and titles to cars, houses, anything like that. And then again, if, like for my mom in her car, is there a death beneficiary on it? Have those things listed as well.
Kelly Augspurger [00:18:13]:
Okay, good wrap up on the financial info. The Steadfast Care Planning podcast is sponsored by AMADA Senior Care. AMADA provides complimentary consultation with a senior care advisor to find the right care from in-home caregiving to community care, as well as long-term care insurance claim advocacy, and unique support partnerships for financial advisors to address family transitions and generational retention. To learn more, visit www.SteadfastWithAmada.com. What about legal, Kim?
Kim Roberts [00:18:48]:
So who your attorney is, obviously, if you're working with an attorney, or have a family attorney, or elder law attorney, have the name and contact information and then copies of the healthcare power of attorney, durable power of attorney, any living wills, advance directives, marriage certificates, birth certificates. I just spoke about the car beneficiary, but any information from the BMV, or auto warranties, I don't know if people still have those, but someone asked me to add that to the list.
Kelly Augspurger [00:19:13]:
Yeah, well, some people do.
Kim Roberts [00:19:15]:
And then any transfer of deeds information, if something's going to transfer over upon death, have that in there.
Kelly Augspurger [00:19:21]:
Okay. What about some other things? So I know there are probably additional things that older adults might need to consider, something that they could do, or just to be better prepared. What are some of these other ideas you have?
Kim Roberts [00:19:32]:
Yeah, so I always tell folks nobody wants their door broken down, especially if you are a single person living alone. There are ways that if you live alone, you can let the fire department know so that if there was an emergency, they can get into your home without banging the door down.
Kelly Augspurger [00:19:47]:
Yeah.
Kim Roberts [00:19:48]:
So if you're listening to this and you can't see the picture, there's a picture up of a lock that you can get like at Home Depot, or on Amazon where you can put it outside on a pole, or the door handle, kind of like a realtor box where you can put your key in there. And then you would just let the fire department know what your code is. A lot of people have garage codes. That garage code should be in your emergency binder someplace. But also you can let the fire department know, "That's a way that you can get into the garage."
Kelly Augspurger [00:20:13]:
Okay.
Kim Roberts [00:20:13]:
So that you aren't having them knock down the door. Another thing is the fire departments all over the city, they all have a community liaison. Depending on where you are located, you can reach out to the fire department and let them know, I'm an older adult living by myself, and they can come out and do a home safety assessment. They can come out and check your smoke alarms. And then some of the fire departments actually provide these boxes, or they will charge you a small fee and install them for you. I think in Dublin they do that. And then I've had some people talk about, they are active, they are riding their bike, they're out walking and you don't always carry your purse and all of this information with you because you're working out.
Kim Roberts [00:20:48]:
So these little cards that you can get on Amazon that you can carry in case of emergency, whether it's on your key ring or in your wallet, and one of them is for you personally, if something were to happen, your emergency number is on there, and then the other one is for your pet. You know, "Something has happened to me. My pet's home alone. Please contact the emergency contact to make sure that they're being taken care of."
Kelly Augspurger [00:21:15]:
Okay.
Kim Roberts [00:21:15]:
And then one little last thing that I have had tons and tons of people tell me, if you have been a person who has had to handle someone passing, it's always important to get multiple copies of death certificates. I didn't know that until I started teaching this class and everyone told me. So the banks will typically require an original copy, and other companies will too, in your closing account.
Kelly Augspurger [00:21:35]:
Oh, yes, many companies will require an original. So it wouldn't be absurd to say, get 10 copies. It really wouldn't. I mean, to have that many could be actually very helpful. Okay, any other ideas, Kim?
Kim Roberts [00:21:46]:
My wellness manager, uses this bracelet for her and her father. This is a bracelet that you can get on Amazon. It has a little USB disk that goes in it. You can put all a lot of this information digitally on this disc and then put it in your bracelet and carry it with you. It's a great thing for when you're traveling, to have this on you. Or, you can also use this when you're exercising and you're out in the community and you don't want to be carrying all of your information with you. It can just be on this little disc. And if something happens that the emergency squad gets you, they're going to see you have this on and are able to gather that information.
Kelly Augspurger [00:22:20]:
That is so handy. I've not seen this before. That's really cool. Very slick and simple, too. Doesn't look clunky.
Kim Roberts [00:22:26]:
Yeah, it's waterproof, too, which makes it nice and just another solution to be prepared and safe while you're out and about.
Kelly Augspurger [00:22:35]:
Well, Kim, a lot of really helpful, great tips that you just gave. And so hopefully, if you're listening, if you're watching, you were able to take some notes, but feel free to rewind and go back and get some of those available. But I think Kim is even going to share this with consumers who are hoping to create some kind of an emergency binder. You have a list, right, Kim? Of here's some of the things. So you can reach out to Kim. But before we go, Kim, I know you're the membership director at Evergold at Home. Tell us a little bit about Evergold at Home. How do you guys operate? How do you help families?
Kim Roberts [00:23:06]:
Well, so Evergold is an alternative to long-term care insurance. However, we also can complement someone who has the long-term care insurance policy. So we offer wellness management with the program care coordination. So we navigate care. Help you navigate care. Is there anything that happens in your health along the way with our membership. And then there's a financial protection piece. So our highest level of coverage is $350 a day. And then we have other tiers of coverage.
Kim Roberts [00:23:31]:
So some people might choose a lower coverage to complement the long-term care insurance that they already have. But unlike long-term care insurance, we activate the moment that you need the services, so there's no waiting periods. And we activate as soon as you have a need of 1 activity of daily living versus a lot of the long-term care policies are 2.
Kelly Augspurger [00:23:50]:
Yes.
Kim Roberts [00:23:50]:
So anyone that has a long-term care policy, they're always going to use us and our daily benefit before they would actually use their long-term care policy.
Kelly Augspurger [00:23:58]:
Right. Because it's easier to trigger. Okay.
Kim Roberts [00:24:00]:
Yeah. I meet with families who maybe their advocates live out of town and they are looking to have more support in their life on top of that financial coverage because that's really huge with the program. I always say that if my mom had Evergold, I could just be a daughter because everything that I do for my mom, planning her appointments, taking her to the doctors, helping to figure out and navigate care and what our next steps are, those are all things that I do and Evergold does for our members.
Kelly Augspurger [00:24:27]:
Okay.
Kim Roberts [00:24:28]:
So we bring a social piece to the program, as well as, we provide a $300 stipend for each of our members and every year to use towards something that has to do with health and wellness. And we provide a fall detection device as well. We do apple watches, or the Android watches. So it's a lot of information, there's a lot of details to it. But if there's anyone out there that's looking to have a little bit more advocacy and protection and have a plan and so they have peace of mind as they're aging, I would encourage you to look into the program. It might be something that meets your needs.
Kelly Augspurger [00:25:00]:
Thanks, Kim. And how do people find out more information about Evergold at Home?
Kim Roberts [00:25:03]:
So they can call me. My cell phone is 614-332-6740 or go on our website at www.EvergoldAtHome.com. I do information sessions around the city every week, different places, all over 270, around that outer belt.
Kelly Augspurger [00:25:20]:
Okay.
Kim Roberts [00:25:21]:
We'd love to have you come to one of those.
Kelly Augspurger [00:25:22]:
And I think we should specify we're in Columbus, Ohio. Is Evergold outside of Central Ohio, Kim?
Kim Roberts [00:25:29]:
Currently we are not. We're just in the Columbus market. However, someone can join in Columbus and have the freedom to move with the program, and the program will go with them.
Kelly Augspurger [00:25:38]:
Oh, okay. Okay. So they don't have to stay in the area.
Kim Roberts [00:25:41]:
Yeah. And that's important for some of the folks that are looking at us that have kids in different cities. They don't want to move, but if they had to, they have the security that they can.
Kelly Augspurger [00:25:49]:
Good.
Kim Roberts [00:25:50]:
Yeah.
Kelly Augspurger [00:25:50]:
That's great. Well, Kim, thank you so much for your time today and your expertise.
Kim Roberts [00:25:53]:
Thank you. This was fun.
Kelly Augspurger [00:25:55]:
I think people probably learned a lot and have some work to do. They've got some homework.
Kim Roberts [00:26:01]:
I always tell, I said at the beginning, this is a lot of stuff to put together. I've had ladies that have said, let's do it as a book club where they get together, they socialize, and they put it together as a group social event where they're working on their binders.
Kelly Augspurger [00:26:15]:
Yeah. And you could even do this over a couple of months or something.
Kim Roberts [00:26:17]:
Yeah, right.
Kelly Augspurger [00:26:18]:
Like get together like once a week or once every two weeks and have dinner and bring all your stuff and start writing stuff down and documenting things. And then that way, hopefully it's a little less painful than doing it by yourself.
Kim Roberts [00:26:28]:
And it also can be done for families, not just the older adult population. I mean, think about if you have kids, how, how much information you have on them.
Kelly Augspurger [00:26:37]:
Yeah, this is not just specific to older adults. It might be the most pressing for older adults, but certainly it could be helpful for all ages. Well, Kim, thank you again. Really appreciate it. Have a great day.
Kim Roberts [00:26:48]:
Thank you. You too.
