California Yacht Weddings: California’s Great On Water Weddings And Charters

Thanks to its incredible coastline, California yacht weddings are a great way to express your love of the Pacific and your spouse-to-be. If you’re planning a nautical wedding, continue reading for a rundown of recommended yacht wedding charters in California, along with a few hints and tips that will keep you clean and dry on your wedding day. Admiral Yacht Charters Admiral Yacht Charters focuses the bulk of their business on California yacht weddings, all leaving from the Newport Beach Harbor. A standard wedding package with them will range in price from $7000 for 50 guests during the low season to just under $17,000 for 150 guests during the peak season. All wedding packages include boat charter, crew, décor, ceremony and a catered reception. The yacht company has a strong profile in the Newport Beach area and books up quickly, so brides should be prepared to commit well in advance. Hornblower Weddings in California Hornblower Weddings have a fleet with ports in San Diego, Marina Del Rey, Berkeley, San Francisco and Newport Beach, meaning they can service almost the entire California coastline. That also means they’re very popular with California brides. The prices at Hornblower aren’t the cheapest in California, but they’re still reasonable. Brides can expect to pay about $150 to $160 per guest for a standard package that includes a sit-down dinner, drinks, a DJ, ceremony and decorations. The Hornblower fleet is made up of 25 vessels, ranging from small and intimate (20 guests) to massive (up to 600 stand-up guests). Electra Cruises Electra Cruises services the entire Southern California area, utilizing either their own fleet or a network of vessels in the surrounding area. Their services also go beyond yacht charters. They also do complete wedding consultations with the bride to arrange catering, decorations, invitations and other planning tasks. Many brides enjoy the personalized and customized service, along with the included DJ and photographer. Electra Cruises is popular for a reason – they offer stellar yacht weddings at incredibly low prices. Brides can expect to pay $6000 and $16,000, depending on the vessel, day and number of guests, but their average price is about $80 per person for a Saturday wedding. However, while the company provides a photographer and DJ, the cost doesn’t include a host bar. Expect to pay an additional $12 to $14 per person for bar services. Hints for a Great Yacht Wedding California yacht weddings are all about the open sea and beautiful harbors. Unfortunately, they also come with salt water, dirty piers and multiple wedding dress hazards. Keep your dress pristine by looking for a yacht company that offers an on-board change room and opt for a dress without a train. If you decide after all that you strongly prefer a typical lengthy wedding gown and train for your ceremony on the yacht, you should come well prepared with 2-3 bridesmaids who can assist keeping your gown and train from dragging across a wet or dirty floor. Published at: https://www.isnare.com/?aid=281196&ca=Marriage

California Refinance – Refinancing In California

The real estate market in California is booming. Home values continue to appreciate almost on a daily basis. Refinancing your home is an excellent way to take advantage of the low interest rates currently being offered by California lenders. The beautiful scenery and warm climate make California and ideal place for families and businesses alike. If you currently live in California and are considering refinancing your mortgage, there are both online lenders and traditional mortgage companies who can give you excellent rates and lower your monthly mortgage payments. Refinancing your home basically replaces your existing mortgage with a new loan. You can choose either a variable or fixed interest rate and the length of your new loan can be up to 30 years. Varying terms and fast approvals make refinancing your California home a smart decision. Refinancing can give you extra money each month due to the potential decrease in your monthly mortgage payments. If you are paying a high rate of interest on your mortgage, then now is the best time to refinance your home in California. California is a great place to own a home. The business community is thriving and the sun swept landscape is breathtaking. Mortgage lenders can generally provide home loans in all states, so choosing a lender that will refinance your California home is easy. Online lenders can give you quotes from multiple mortgage companies with one simple application. By completing a short application, you could be contacted by lenders who are anxious to approve your California refinance loan in just hours. Many lenders are offering zero point loans and low cost refinancing. Even with bad credit, you can refinance your California home. Compare your current interest rate with the low rates being offered by lenders and see if you could save money by refinancing. Some lenders will even finance the points you pay on your loan to reduce the amount of cash you need upfront. If you want to refinance your home and lower your payments, contact a lender who can approve your loan in California or in any other state you may own a home. Refinancing is a great way to take advantage of the great loans being offered by online lenders and traditional mortgage companies. You can get free quotes from several lenders and compare the rates offered by each. You can lower your monthly payments and have extra cash each and every month. Published at: https://www.isnare.com/?aid=4844&ca=Finances

California Refinance – Refinancing In California

The real estate market in California is booming. Home values continue to appreciate almost on a daily basis. Refinancing your home is an excellent way to take advantage of the low interest rates currently being offered by California lenders. The beautiful scenery and warm climate make California and ideal place for families and businesses alike. If you currently live in California and are considering refinancing your mortgage, there are both online lenders and traditional mortgage companies who can give you excellent rates and lower your monthly mortgage payments. Refinancing your home basically replaces your existing mortgage with a new loan. You can choose either a variable or fixed interest rate and the length of your new loan can be up to 30 years. Varying terms and fast approvals make refinancing your California home a smart decision. Refinancing can give you extra money each month due to the potential decrease in your monthly mortgage payments. If you are paying a high rate of interest on your mortgage, then now is the best time to refinance your home in California. California is a great place to own a home. The business community is thriving and the sun swept landscape is breathtaking. Mortgage lenders can generally provide home loans in all states, so choosing a lender that will refinance your California home is easy. Online lenders can give you quotes from multiple mortgage companies with one simple application. By completing a short application, you could be contacted by lenders who are anxious to approve your California refinance loan in just hours. Many lenders are offering zero point loans and low cost refinancing. Even with bad credit, you can refinance your California home. Compare your current interest rate with the low rates being offered by lenders and see if you could save money by refinancing. Some lenders will even finance the points you pay on your loan to reduce the amount of cash you need upfront. If you want to refinance your home and lower your payments, contact a lender who can approve your loan in California or in any other state you may own a home. Refinancing is a great way to take advantage of the great loans being offered by online lenders and traditional mortgage companies. You can get free quotes from several lenders and compare the rates offered by each. You can lower your monthly payments and have extra cash each and every month. Published at: https://www.isnare.com/?aid=4844&ca=Finances

Stitch Up A Broken Heart In California With A California Refinance

The experts agree that there are only four reasons to get a mortgage – to lower interest rates, to consolidate loans, to build equity, and to make home improvements. To the average Joe who is on the throes of a broken relationship, a California refinance is his salvation away from bittersweet memories. California Beckons The thought of a California refinance comes to your mind every time you go home to an empty house. Your partner has gone, leaving you with memories, and after six years of pining for her return, you’ve given up. She never called or sent you an email. Nothing from her, only silence. The experts forgot that a broken heart is one big reason for getting a mortgage to fund relocation to a new and exciting life. This burst of inspiration came after a bout of wine tasting in the downtown wine bar. You drank California wine and imagined fertile valleys awash with bright sunshine and teeming with vines heavily laden with juicy grapes. With each sip of the golden wine, you strengthened your resolve to stop mooning over your lost love and start working on the details of your California refinance deal. Since there are several California refinance companies, you’ll have to find out which will offer you the best deal. You can’t afford another blow from a bad refinance mortgage. So you pack up and get ready to see the houses you can afford with your second mortgage. You want a place where you can set up a business or gain employment away from the maddening crowd. California Paradise California is a veritable paradise for cosmopolites, adventurers, nature lovers, business people, and the lovelorn. You can have the best of both worlds – the busy city life and the peace and quiet in the picturesque mountain valleys. You can tour the whole state and never tire of the scenery. In California, you can choose a house neighboring the business district, near the beach, or a place away from it all. Your smart move would be to shop for the right California refinance company. Talk to the agents and ask if they have something within your budget. They will be happy to oblige, knowing that you are someone who is ready to do business. If you can hustle a much lower monthly rate compared to your current loan, consider this opportunity. You get a new place to start all over again and have more cash in your wallet for your expeditions to famous parks and fun places. Who knows? You might find someone interesting and who shares your passions. Ways to Stitch Up A Broken Heart Start mending your wounded heart. Take long walks on those rugged nature trails, revel in the night life, read a good book in the park while evaluating the possibilities of doing business in the different environments. The possibilities in California are endless. Before you know it, you’re on the mend. When your California refinance money is released, buy the house you’ve been speculating on and do the needed repairs or hire a contractor to do it for you. With a busy schedule ahead of you, you’ll be surprised that the emotional pain has diminished. Sure, it isn’t easy to get over a terminated relationship, but you owe it to yourself to have another chance with a new love. A California refinance is not the “be all” and “end all” for a broken heart, but it’s a start. If you need a California refinance, check out the different refinance mortgage loan companies. For other sunny climes, also consider a Florida refinance. Visit WhatAboutLoans.com today for more information. Published at: https://www.isnare.com/?aid=211061&ca=Break-up

The Big Bear Climb – AMGEN Tour of California in California’s Cycling Center

After a long, hard winter here in Big Bear Lake, California… and yes, this particular winter was long and hard for all of us spoiled “Big Bearians”… spring is finally just about here. We’re currently in a “between seasons mode”. We’re leaving winter, but not quite into full-blown springtime as yet. That doesn’t mean that it’s not time to start planning! There is so much to do here during my favorite season: Spring! I think it’s the most beautiful time of year here in the San Bernardino mountains, and I want to give you a few quick hints on upcoming events… rather special ones… so you can make your plans and join us up here! If you’ve been in Big Bear at all during the last ten years, you’ll be aware that cycling… both mountain biking and on-road cycling… are now very popular activities in Big Bear. What used to be a “winter only” resort has really changed. Spring, Summer, and Fall are all now very exciting up here in God’s Country… and cycling is a huge part of that. AMGEN Tour of California: The Big Bear Climb! One of the very special things happening here in Big Bear this year will be the AMGEN Tour of California race. The Tour of California is patterned after the Tour de France, and is the premiere team cycling event in the entire USA. It covers about 800 miles in just under a week of racing, through some of the most beautiful and challenging terrain in California. This year, the highpoint of the race… Stage 6… will be the “Climb to Big Bear”. Originally routed to begin in Pasadena and enter the San Gabriel Mountains via Angeles Crest Highway, the Tour organizers had to regroup and re-route when this last winter’s storms closed much of the intended route. As currently scheduled, the route now begins in Palmdale, California, and enters the San Gabriels from the North side, bypassing the closed highway sections. From there it follows the crest of the San Gabriels east, descending through Wrightwood. After crossing the 15 freeway, the route ascends the San Bernardino range and passes through Lake Silverwood, Crestline, then through Sky Forest and Running Springs, and then up again into our area, where the finish of this stage of the race will take place in the parking lot of the Snow Summit Ski Resort. Now, that is on serious bike ride! Over 135 miles and over 12,000 feet in vertical climbing after all is said and done. That’s enough to test anyone’s endurance, but the professional cyclers who will be riding, including Levi Leipheimer and the amazing Lance Armstrong, will give it everything they’ve got as they race the clock… and each other…to the finish line. Tour de Big Bear: We Can All Get In The Act! Concurrently with the professional Tour of California race, our little town is also hosting a 2 day event called whimsically, the “Tour de Big Bear”. This is another cycling event that is designed to afford normal folks like you and I… those who don’t want to ride 135 miles and climb 12,000 feet vertically in one day… a chance to view the professional Tour and take part in some relaxing, amateur… and totally gorgeous… bike rides of our own. The Tour de Big Bear is a two day event. Those who register gain preferred parking and seating to the professional tour finish on the 21st of May, and then have the opportunity to participate in several rides being held over the rest of that weekend. These rides range from short and easy to fairly long and much more difficult. Bottom Line: Make It A Great Spring Weekend In Big Bear! It’s no accident that these two events coincide. It’s simply part of Big Bear’s locals working together with large promoters… like AEG, who actually produces the AMGEN Tour of California, along with AMGEN itself… to encourage those of us in Southern California to visit one of SoCali’s mountain jewels, Big Bear Lake and it’s surrounding areas. I’ve lived here for over 35 years, and I never get tired of hiling the trails, boating on the lake, skiing the slopes in the resorts or cross-country, and of course, biking the roads and trails of this beautiful area. This year, why not join us if you can. These two great cycling events make for a great weekend in the mountains for anyone. We all hope to see you here! Published at: https://www.isnare.com/?aid=525293&ca=Travel

The Big Bear Climb – AMGEN Tour of California in California’s Cycling Center

After a long, hard winter here in Big Bear Lake, California… and yes, this particular winter was long and hard for all of us spoiled “Big Bearians”… spring is finally just about here. We’re currently in a “between seasons mode”. We’re leaving winter, but not quite into full-blown springtime as yet. That doesn’t mean that it’s not time to start planning! There is so much to do here during my favorite season: Spring! I think it’s the most beautiful time of year here in the San Bernardino mountains, and I want to give you a few quick hints on upcoming events… rather special ones… so you can make your plans and join us up here! If you’ve been in Big Bear at all during the last ten years, you’ll be aware that cycling… both mountain biking and on-road cycling… are now very popular activities in Big Bear. What used to be a “winter only” resort has really changed. Spring, Summer, and Fall are all now very exciting up here in God’s Country… and cycling is a huge part of that. AMGEN Tour of California: The Big Bear Climb! One of the very special things happening here in Big Bear this year will be the AMGEN Tour of California race. The Tour of California is patterned after the Tour de France, and is the premiere team cycling event in the entire USA. It covers about 800 miles in just under a week of racing, through some of the most beautiful and challenging terrain in California. This year, the highpoint of the race… Stage 6… will be the “Climb to Big Bear”. Originally routed to begin in Pasadena and enter the San Gabriel Mountains via Angeles Crest Highway, the Tour organizers had to regroup and re-route when this last winter’s storms closed much of the intended route. As currently scheduled, the route now begins in Palmdale, California, and enters the San Gabriels from the North side, bypassing the closed highway sections. From there it follows the crest of the San Gabriels east, descending through Wrightwood. After crossing the 15 freeway, the route ascends the San Bernardino range and passes through Lake Silverwood, Crestline, then through Sky Forest and Running Springs, and then up again into our area, where the finish of this stage of the race will take place in the parking lot of the Snow Summit Ski Resort. Now, that is on serious bike ride! Over 135 miles and over 12,000 feet in vertical climbing after all is said and done. That’s enough to test anyone’s endurance, but the professional cyclers who will be riding, including Levi Leipheimer and the amazing Lance Armstrong, will give it everything they’ve got as they race the clock… and each other…to the finish line. Tour de Big Bear: We Can All Get In The Act! Concurrently with the professional Tour of California race, our little town is also hosting a 2 day event called whimsically, the “Tour de Big Bear”. This is another cycling event that is designed to afford normal folks like you and I… those who don’t want to ride 135 miles and climb 12,000 feet vertically in one day… a chance to view the professional Tour and take part in some relaxing, amateur… and totally gorgeous… bike rides of our own. The Tour de Big Bear is a two day event. Those who register gain preferred parking and seating to the professional tour finish on the 21st of May, and then have the opportunity to participate in several rides being held over the rest of that weekend. These rides range from short and easy to fairly long and much more difficult. Bottom Line: Make It A Great Spring Weekend In Big Bear! It’s no accident that these two events coincide. It’s simply part of Big Bear’s locals working together with large promoters… like AEG, who actually produces the AMGEN Tour of California, along with AMGEN itself… to encourage those of us in Southern California to visit one of SoCali’s mountain jewels, Big Bear Lake and it’s surrounding areas. I’ve lived here for over 35 years, and I never get tired of hiling the trails, boating on the lake, skiing the slopes in the resorts or cross-country, and of course, biking the roads and trails of this beautiful area. This year, why not join us if you can. These two great cycling events make for a great weekend in the mountains for anyone. We all hope to see you here! Published at: https://www.isnare.com/?aid=525293&ca=Travel

What Low Income California Drivers Need to Know About the California Low Cost Auto Insurance Program

Rising unemployment rates and the exorbitant cost of gas have left hundreds struggling to come up with the fund they need to keep their car properly insured. That’s why over 15% of drivers on the highways today are driving uninsured, 3 million plus in California alone. In an effort to stem the rising tide of uninsured drivers California has implemented an insurance program designed especially for low income drivers known as the California Low Cost Auto Insurance Program. Unlike regular insurance programs, which are designed to work on a fixed rate premium depending on your circumstances, the California Low Cost Auto Insurance Program (CLCA) works on a sliding scale determined by your income. Drivers that meet the definition of financial need established by the governing authority can aply to be admitted into the program and enjoy the benefits of a low cost insurance policy designed especially to meet their needs. This isn’t one of those low cost insurance programs designed to persecute the middle class just because they happen to make enough money to keep food on the table and pay their rent on a semi-regular basis. Instead, the program is designed to accommodate the bottom edge of the middle class, with a family of four being permitted to have a combined income of up to $50,000-considerably higher than the state poverty level. With an income level this high the hope is that every driver will take the initiative and apply for the California Low Cost Auto Insurance Program rather than choosing to continue to drive uninsured. Because California has a mandatory liability requirement for its drivers the CLCA only offers liability coverage as part of its low cost insurance plan. Included in the plan is: • $10,000 Bodily Injury Liability per person. • $20,000 Bodily Injury per accident. • $3,000 Property Damage per accident. As you’ve probably already noticed, this is significantly less than California’s minimum liability requirements for drivers. State officials are willing to make a trade off in exchange for dramatically reducing the number of drivers they have out there driving uninsured. Auto insurance companies have no choice about offering this low cost insurance to their clientele, but they reserve the right to keep their coverage levels low to encourage drivers that can afford it to seek regular coverage. Collision and comprehensive are not included as part of the California Low Cost Auto Insurance Program. You can, however, purchase them separately from your insurance carrier without affecting your eligibility for the program. Most companies do offer you the chance to purchase additional medical coverage and uninsured motorist at a low cost through the program to protect yourself from the people out there who weren’t as quick to pick up on this great deal as you were. The California Low Cost Auto Insurance Program is an ideal solution for low income drivers who don’t want to have to sacrifice their auto insurance coverage to keep dinner on the table. If you’re struggling to pay your premiums but don’t want to join the ranks of the uninsured contact the CLCA as soon as possible. Published at: https://www.isnare.com/?aid=394540&ca=Finances

California Caregiver Resources

Family caregivers have a huge impact on the lives of the disabled loved ones that they care for. In California, the numbers that are used to describe family caregivers are quite staggering. About $45 billion of work is produced each year by these unpaid family members and friends. Family caregivers are the unsung heroes of the healthcare world and deserve recognition. They also deserve to have the resources that they need to improve the quality of the person that they are watching over’s life. These resources are available in many locations, but you do need to know where to look in order to find them.

One resource that you can use to help improve the quality of your care giving is the Caregiver Resource Centers. There are currently 11 of these locations scattered throughout California. As of right now, about 15,000 families utilize this resource. Families provide more care for elderly and disabled folk than all of the institutions designed to give care do. With so many unpaid volunteers giving care to their loved ones, finding out that there is a high level of stress involved with this should not be a surprise. Unpaid caregivers face not only the stress of having to care for a disabled relative around the clock, but they also must deal with the fact that their earning power decreases because they are not able to work as much due to the family obligation that they have so graciously taken on.

75 percent of the caregivers in California are female. This makes sense, if you think about it for a moment. Women live, on average, about 5 years longer than men do, so it is not an uncommon situation for a wife to be administering care to a disabled or ill husband. The following statistic, in this light, might be a little surprising then. Only 19 percent of caregivers in California are over the age of 65. The biggest chunk of the population that administers care to a family member is the 50 to 64 age bracket, accounting for 34 percent of all caregivers within the state.

In reality, the older you get, the more difficult it will be for you to give care to a loved one. These two age groups-the 50 and over demographic-might account for 53 percent of all caregivers, but they are more likely than younger folk to need assistance when it comes to them giving care at the highest level they are able to. Instead of going it alone, these people have many resources like the Caregiver Resource Centers. If you fall into this category, take advantage of all the help that you can get. Your loved one deserves the best that you can provide.

Matthew G. Young is a freelance writer who specializes in financial, sports, and health-related topics. To learn more about in home health care visit Paradise In Home Care

Article Source: http://EzineArticles.com/expert/Matthew_G_Young/794130

Article Source: http://EzineArticles.com/7026751

Caregiving’s Costly Burden

Hey – If I had known that official government policy toward caring for elderly parents was that their children would have to do it all, well I would have had 10 kids.

While it’s said that those in the developing world have numerous children with the hope that some will survive to care for them when they’re old, those in developed counties have about two children.

Somehow I guess I thought our so-called developed world had some type of policies for elderly caregiving, but the United States simply doesn’t. While Medicare will take care of hospitalization for a heart attack, those who need chronic care for Parkinson’s disease, diabetes, Alzheimer’s disease or heart failure just have to depend on family, pure and simple. After that, long term care insurance coverage is the only answer.

Boomers can purchase long term care insurance for their own future care, but this doesn’t help the greatest generation that needs care now. With no program to address chronic care, Medicaid, a welfare program for the proven poor, has become the default option for much long term care – nursing homes. So if a person has the $90,000 needed in New York state, he or she can enter a nursing home. But that money will be gone within two years, and Medicaid will then pick up the nursing home expenses. About 2/3 of Medicaid goes to pay nursing home care for those who have outlasted their money. But remember, over 40% of nursing home residents are under age 65.

“Nursing homes are the last resort – where a disabled person will go when a family caregiver can no longer care for the relative at home,” said a doctor.

Studies show that a decision to place somebody in a nursing home comes not when the person reaches some type of medical criteria; it’s when a caregiver can no longer give the care because of health or financial reasons.

And while most don’t have the money to place a relative in a nursing home, many of the 80 percent of U.S. caregivers don’t even want to go the nursing home route. Despite being regulated by government, nursing homes, with a very few exceptions, aren’t places most people want to go.

Family caregivers adding home care for the disabled to their many other responsibilities, suffer physically and mentally. A nes report, “Study of Caregivers in Decline: A Close-up Look at the Health Risks of Caring for a Loved One”, details how the stress and worry about caregiving results in millions of caregivers neglecting their own physical and mental health, resulting in depression, fatigue, poor eating and exercise habits and greater use of alcohol, drugs and medications.

When these caregivers’ responsibilities and concerns are taken in the context of the responsibilities they also have for their own lives – including work and family – many caregivers are overwhelmed, and the stress can take the physical form of heart-attack scares, high blood pressure, acid reflux, headaches, arthritis flare-ups and other conditions, the report said.

I’ve articulated the caregivers’ predicament to 100s of policymakers and lawmakers, and for the most part, this problem is just not on their radar screen. There are a few expeditions, and ther are a few programs such as the National Family Caregiver Support Program, but an overall strategy of supporting caregivers, who supply more than $257 billion in care each year, simply does not exist. The answer that I keep getting is this: “it’s a societal problem.”

Meanwhile, where does a caregiver turn? Some of the forty six percent of caregivers who are now employed can turn to professional caregiving assistance via his or her employer, and some employers provide free, but limited, geriatric case managers to assist employees in negotiating thi path of family caregiving, but it can be costly.

For example, the home assessment costs $580, and a case manager earns an hourly rate of $125/hour.

In California, Caregiver Resource Centers provide some services free or at low cost, including social workers to assess the caregiving situation for current and future needs.

Those with access to a free home assessment should take advantage of it, especially before a health crisis occurs, and folks without long term care insurance coverage can get personal advice and free comparative rate quotes online.

Long term care insurance activist, Clay Cotton, writes for http://www.PrepSmart.com – The Online Baby Boomers Decision Assistance Center, where you get Free Long Term Care Insurance advice, comparative rate quotes and personal guidance, all while safely at home in your favorite pajamas and bunny slippers.

Article Source: http://EzineArticles.com/expert/Clay_Cotton/52612

Article Source: http://EzineArticles.com/417490

State of California Medi-Cal Caregivers Found To Be Living In Or Near Poverty

The population in the state of California is aging rapidly and this has led to an increased demand for caregivers. A recent study conducted by the UCLA Center for Health Policy Research has uncovered the fact that more than half of the caregivers employed by Medi-Cal earn wages at or below the poverty level and have poor access to quality food and good health care themselves.

Medi-Cal is the state of California’s public health insurance program which provides care to low income seniors. It is also the primary care provider for adults who have been diagnosed with long-term illnesses or have serious disabilities.

This study discovered that nearly half or about 57% of the 450,000 paid caregivers working for Medi-Cal earn incomes that leave them either in poverty or near poverty.

The lead researcher pointed out that paid caregivers do a lot of work but receive very little in the way of remuneration for their labor. They are often paid much more than minimum wage which, in many circumstances, barely provides any kind of living wage.

They anticipate that this situation will only continue to worsen because of the massive state budget cuts undertaken by California. In addition, they expect further cuts will be made to an essential program called In-Home Supportive Services or IHSS.

The study was based on a the California Health Interview Survey which was conducted by the UCLA Center for Health Policy Research in 2009. It is the largest state health survey conducted annually in the United States.

In California, it is estimated that about 6 million caregivers provide essential services to either a member of their family or a friend who has some kind of long-term illness or a disability. Approximately 450,000 of these caregivers are paid a wage for the services they provide. Of these 450,000, about 290,000 are paid through Medi-Cal.

The study discovered that paid Medi-Cal caregivers are paid the least of any paid caregivers in the state. Their average monthly income was approximately $1,970, a dismal amount when compared to the $4,222 paid to caregivers who were not paid for the services they provided. Moreover, these workers reported working about 43 hours each week which meant that that their average hourly wage ended up being about $11.00 an hour. This was shocking to the researchers when they compared it to the state of California’s median hourly of $18.13 in 2010.

Many of these workers were unable to afford the basic necessities of life and were forced to rely on food banks or skip meals because they did not have enough money to purchase groceries.

The turnover rate for people in these jobs was extremely high. Many of the paid Medi-Cal employees had been at their current job for more than one year. Less than 18% had been working at the same job for 10 years or more.

More than twice the number of the Medi-Cal employees were themselves uninsured which places them in the category of the vulnerable.

On April 1, 2012, California began to downsize its Adult Day Health Care Program as it began transitioning to a new program called Community-Based Adult Services. At the same time, it began implementing a 20% cut to the paid hours of In-Home Supportive Services workers. At present, this move is, blocked by a federal court but if the measure is fully implemented, it will have a devastating effect on the people with disabilities and the seniors it is meant to serve. These programs are designed to assist older adults who require care in order to enable them to remain independent in their communities. They are also meant to assist people with disabilities in paying for services like apartment cleaning, cooking, taking their medication and running errands.

If you are disabled and are looking for resources for assistance in any of the fifty states, one of the best places to start is here.

Article Source: http://EzineArticles.com/expert/Sari_Crossman/1316900
0 Comments | Leave a Comment

Article Source: http://EzineArticles.com/7001809