Plan of Care Builder
Documented Plan of Care
1.The Person
This plan begins with the person receiving care. Everything that follows exists to keep them comfortable, safe, and cared for on their own terms.
Current stage of care
Current medications and allergies
Communication
How they communicate best, and what helps them feel understood.
Faith, culture, and dietary preferences
Their wishes, in their words
Recorded while they are able to express them. These wishes guide every decision in this document.
2.The Care Team
Every person responsible for their care, in one place. No one should ever have to search for a name or a number.
| Role | Name | Phone |
|---|---|---|
| Primary physician | ||
| Neurologist or specialist | ||
| Home care agency | ||
| Private duty nurse | ||
| Family caregiver | ||
| Trustee | ||
| Co-trustee | ||
| Successor trustee | ||
| Successor co-trustee | ||
| Trust attorney | ||
| Financial advisor | Frank A. Arens, Arens Wealth Partners | (562) 380-2228 |
Weekly care schedule
Who provides care, and when. Include the hours currently provided by family.
Caregiver relief plan
Regular respite protects the health of the primary caregiver, which protects the whole plan.
3.Escalation Triggers
The events that move care from one stage to the next. Deciding these now means no one has to make a hard call alone in a hard moment.
Emergency protocol
If the primary caregiver is hospitalized or passes away, these calls are made in this order.
4.Daily Life, Comfort, and Safety
The details that keep each day calm and familiar. Consistent routines and a safe home reduce stress and protect quality of life at every stage.
Daily routine anchors
Comfort and calming
Music, foods, activities, and people that bring comfort, and the things that cause distress.
Home safety measures
5.Legal Authority
The documents that allow the right people to act for the person receiving care when they cannot act for themselves. To be reviewed and completed with the family attorney.
| Document | In place | Location / Attorney |
|---|---|---|
| Durable power of attorney, financial | Yes No | |
| Advance health care directive | Yes No | |
| Health care agent named under directive | Yes No | |
| HIPAA authorizations | Yes No | |
| POLST, Physician Orders for Life-Sustaining Treatment | Yes No | |
| Revocable living trust | Yes No | |
| Trust provision funding care specifically | Yes No | |
| Trustee and co-trustee named | Yes No | |
| Successor trustee and successor co-trustee named | Yes No | |
| Corporate trustee backstop named | Yes No | |
| Family member roles defined in writing | Yes No | |
| End-of-life wishes documented | Yes No | |
| Important document locator completed | Yes No |
6.The Funding Map
What care will cost by stage, and which assets and income will pay for it. Cost projections prepared by Arens Wealth Partners using current local care rates.
| Stage of care | Weekly hours | Annual cost | Begins |
|---|---|---|---|
| Stage 0: Family reliance | All hours provided by family | $0 | |
| Stage 1: Part-time help | 44 caregiver + 1 nurse | $97,248 | |
| Stage 2: Extended daily help | 84 caregiver + 3 nurse | $191,904 | |
| Stage 3: Full-time care | 168 caregiver + 6 nurse | $383,796 |
Amounts shown are illustrative, based on current local market rates for the hours listed, and are replaced with your family’s own projections during planning. Costs are projected to grow at 4.5 percent per year, consistent with professional planning standards for health care inflation. Stage 0 carries no dollar cost, and it carries the highest human cost. This plan exists so the family is never forced to choose between the two.
Funding sources, in order of use
| Account | Institution | Approx. value | Statement on file |
|---|---|---|---|
| Yes Pending | |||
| Yes Pending | |||
| Yes Pending | |||
| Yes Pending |
Income sources for care
| Source | Amount |
|---|---|
Insurance and benefits inventory
| Coverage | Reviewed | Notes |
|---|---|---|
| Medicare and supplement plan | Yes No | |
| Long-term care insurance | Yes No | |
| Veterans benefits eligibility | Yes No |
7.Placement Plan
Communities selected and toured before they are ever needed. A choice made calmly today replaces a decision made in crisis later.
| Care community | Toured | Rank | Notes |
|---|---|---|---|
| Yes No | |||
| Yes No | |||
| Yes No |
Home versus community decision
The family’s guiding preference, and the conditions under which that preference would change.
8.Keeping This Plan Current
A plan of care is reviewed on a schedule, the same way a financial plan is. It is also reviewed any time an escalation trigger in Section 3 occurs.
Acknowledged by
Important Disclosures
This document is prepared by Frank A. Arens of Arens Wealth Partners and is intended for the sole use of the individual(s) named on page one. It is for educational and discussion purposes only.
The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Legal documents referenced in this plan, including powers of attorney, health care directives, and trusts, must be prepared and executed with a qualified attorney.
This material is not intended as medical advice. Decisions regarding diagnosis, treatment, medications, and levels of care should be made in consultation with qualified medical professionals.
Care cost figures are estimates based on current local market rates and stated assumptions. Actual costs vary by provider, location, and level of care, and projections are not guarantees of future costs. Past performance is no guarantee of future results. All investments involve risk, including the possible loss of principal.
Regulatory Information
LPL Financial Form CRS is available at lpl.com. Check your financial professional on FINRA’s BrokerCheck at brokercheck.finra.org.
The financial consultants at Arens Wealth Partners, Inc are registered representatives with, and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC.
The LPL Financial representative associated with this document may discuss and/or transact securities business only with residents of the following states: AZ. CA. CO. FL. GA. KS. NY. WI.
Frank A. Arens | 444 W Ocean Blvd, Suite 800, Long Beach, CA 90802 | Domicile: CA | CA Insurance 4136695 | CA Agency 0518721