ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

Take Control Of Caregiving Costs

take control of caregiving costsCaregiving costs can be daunting. From paying for parents’ medical tests to caring for your children, caring for others is both time and money consuming. Your debt relief process can be in jeopardy if you don’t take control of caregiving costs. 

Take Control of Caregiving Costs

Understand the unpredictability and make a plan: 

Many people underestimate how long their family member or friend will need help. It is important to understand that caregiving may be needed for a long period of time. So, ensure that there is enough money set aside to pay for these services. Sit down with those connected to the individual in need of care in order to analyze the costs.

Extend the conversation to outside available resources:

It is important to ask for advice from human and financial resources. Get recommendations from doctors and lawyers for any service providers. Find faith-based or community resources that can assist with transportation or companion care needs. Also, gauge which neighbors, family, or friends can be called on in a crisis.

Research facilities and long-term insurance early:

Looking at facilities early is a necessary part to take control of caregiving costs. This is because most facilities have waiting lists. And no one should make a housing decision under duress. You should evaluate senior living communities before you invest. It is important to look into insurance plans before they are needed in order to find a long-term solution that covers certified nursing assistants, assisted living, and adult day care.

Acknowledge that hiring an outside caregiver may be the best option: 

Most people begin looking for a caregiver or assume the role of one after a medical emergency. However, this is not ideal to take control of caregiving costs. Even though becoming a caregiver may seem like a cheaper alternative, more often than not, this is not the case. This is due to the fact that people are often forced to quit their jobs, usually during their peak earnings period – affecting not just their income and career trajectories, but also future Social Security benefits. It is recommended to scale back hours or take a more flexible position if necessary, even if all earnings go toward hired care.

 

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

View all author posts →

Dev Tool:

Request: blog/take-control-of-caregiving-costs
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=take-control-of-caregiving-costs
Loaded Template: single.php