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Covering Care: Long-term care planning and education tool for AD/ADRD caregivers

Award Information
Agency: Department of Health and Human Services
Branch: National Institutes of Health
Contract: 4R44AG074135-02
Agency Tracking Number: R44AG074135
Amount: $1,989,292.00
Phase: Phase II
Program: SBIR
Solicitation Topic Code: NIA
Solicitation Number: AG21-025
Solicitation Year: 2021
Award Year: 2022
Award Start Date (Proposal Award Date): 2022-09-01
Award End Date (Contract End Date): 2024-08-31
Small Business Information
6901 East Fish Lake Rd, Suite 190
Maple Grove, MN 55369-5457
United States
DUNS: 078662436
HUBZone Owned: No
Woman Owned: No
Socially and Economically Disadvantaged: No
Principal Investigator
 (612) 481-8723
Business Contact
Phone: (612) 481-8723
Research Institution

Project Summary/AbstractOlder adults with Alzheimer's disease (AD) and AD-related dementias (ADRD) need a trusted financial
advocate to help orchestrate and oversee their care as they age. Spousal and adult child caregivers need
comprehensive education around financial caregiving and tools on how to access resources to pay for long-
term services and supports (LTSS). This SBIR project will create an easy-to-use online decision tree-based
tool to give a caregiver the exact knowledge they need to plan for long-term care financing without
overwhelming them with unnecessary information. We focus on the extremely complex problem of helping
caregivers understand Medicaid while providing customized recommendations for Medicaid eligibility planning.Our financial management and LTSS planning and education tool—the Assistant—will be designed for
the spousal or adult child caregiver who can navigate websites but who has very little understanding of public
programs that help pay for LTSS and how to access them. Medicaid planning is extremely complex and
eligibility rules vary from state to state. Most caregivers do not have the financial or prior caregiving experience
to know how to navigate the process of becoming eligible for the program or how to finance LTSS in general.
Caregivers often start by getting advice from friends or by searching online. Lack of tailored information can
lead to financial missteps that can delay individuals with AD/ADRD from getting the level of care they need, or
result in the caregiver tapping into their own savings to pay for LTSS. Other mistakes include depleting assets
too quickly or improper wealth transfers that may extend periods of ineligibility. If the person with AD/ADRD
has a spouse residing in the home, that individual's financial security is at risk in the absence of proper
planning.To address these needs, we propose to develop an online “Assistant” that: (1) educates spousal and
adult child caregivers about long-term care financing/Medicaid eligibility in English and Spanish, (2) collects
information on the care recipients' assets and disability status to provide customized recommendations needed
to execute the next steps in planning and enrollment, and (3) if desired, refers caregivers to planning
professionals like Certified Medicaid Planners (CMPs), elder law attorneys, Agencies of Aging, or to the
appropriate government office. In order to increase uptake, trustworthiness, enjoyment, and usability of the
Assistant, we will use an innovative conversational agent, driven by a decision tree database and certified
provider database.

* Information listed above is at the time of submission. *

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