Senior Care – Who Really Cares?

by Roni Mayben; a Certified Senior Advisor (CSA)® Carlsbad, CA


I have been in the long-term care industry for over 35 years. Over this time, I have come to understand and learn how long term care insurance policies work, but also the reality of the care options that they pay for. Moreover, I love helping seniors and family become more comfortable, as we worked together to resolve claim related issues. My specialty is longterm care insurance (LTC or LTCI) services! Learning together, experiencing life, simply is my goal, in how a “long-term care” (LTC or LTCI) policy works. We can do this at one of my offices or better yet in your home. Please call me anytime for a free consultation!

What is long-term care insurance?
In the event that you need “long-term care” (LTC) services, this insurance reimburses you for the expenses you incur for the daily assistance. Your normal “activities of daily living” (ADLs) which include: eating, toileting, dressing, transferring, ambulating, bathing, continence, and cognitive ability; are reimbursed based on your coverage.

What are some of the benefits of long-term care insurances?
Long term care insurance can provide protection of your assets from being depleted because of the potentially high cost of long-term care. Having the protection of a good long term care policy will allow you to have more choices available when you or your family needs to make decisions on how you will receive the assistance you need. Most importantly, long term care insurance can alleviate the need to burden family members with the responsibilities associated with long term care. It can allow your family to live their lives while giving you the love and support you need from them.

How much will a long-term care policy pay?
You design the policy you want. The benefit amounts available are $100.00 a day- $300.00 a day. There are a lot of options and benefits available to choose from when designing your plan.

Who can provide my care?
The care you receive may be provided at home either through a family member, friend, or a home care aide organization that provides trained and supervised home care aides. This help is available from 4 hours a day up to 24 hours. You may also choose to receive care in an assisted living community, a skilled nursing facility, or an adult day care center.

What are the risks of needing long-term care?
Current statistics show that 70% of those 65 or older will need long term care.
A year of long term care can cost $72,000.00. Medicare pays only 16% of the long term care need in America.

What are the solutions?
There are many companies now offering long term care insurance products. Please allow me to take the time to talk with you about your concerns and help you reach an educated decision about the issue. I really care about Senior Care and helping you!


Roni Mayben, CSA, Long Term Care Specialist

(800) 562-2734





Why it matters!

From Roni,

Does it matter?
Prior to 1983, my grandmother needed more care than my mother and I were able to provide. Family and friends offered relief care, help and support, which became a valuable gift. However presented with this gift also came scheduling issues which took some time to figure out, but with our family and friends help my grandmother received wonderful care and told my mother and I she enjoyed all the new company who came to visit her. My family wasn’t the only ones who had need of help, which is why Heritage Senior Care was created. My mother and I determined that the most valuable gift for not only our family but for other families would be a company who could provide experienced, qualified and not only pre-screened caregivers but ones who had their background checked before they were send to care for someone’s loved one. We realized that protecting our families’ heritage was very real important, not only in our experience with my grandmother but for our current clients and for our future clients.

What is our heritage and how do we pass this on to those we love?
Protecting my grandmother was very important to my mother and I, she was our heritage, thus in 1983 we named of our company Heritage Senior Care in honor of ours and others families heritage! Being one of the oldest companies in providing caregivers at a moment’s notice is the gift we dreamed of then is a reality! I have work hard at improving the caregiver industry by serving on senior care oversight groups, being in various positions of influence to include executive president positions. These positions are by election or nomination by fellow peers in the industry or government organizations. Therefore, protecting your Heritage (loved one and or family member) is our utmost concern.
At the core of our company’s passion is loyalty, continuing education and improvement, quality of service and people, employee screening,extraordinary business practices (BBB rated A+) and community outreach.

What is Diamond Service?
A diamond is formed by pressure over time with heat. Comparing the value of an ounce of gold verses an ounce of diamonds is like comparing Sunlight to moonlight (an ounce of diamonds is worth $300 million and an ounce of gold is worth $0.000005 million, dollar index as of 06/2015). Our time and reputation in the home care industry is a reflection of our staff. My staff of 10 has almost 200 years of health care experience with an average age of 48. Some of them started their career with me 30+ years ago. Our continuous learning and training makes us durable and brilliant, like a diamond at bringing passionate care into your family’s home which is the Heritage I would like to pass on to you.

What are our Qualifications?
At the core of our company’s passion is loyalty, continuing education and improvement, quality of service and people, employee screening, extraordinary business practices (BBB rated A+) and community outreach!

Roni Mayben, CSA, Long Term Care Specialist

(800) 562-2734

Senior Care Advocate

Non Medical Home Care Legislative Update

Presented by, Roni Mayben, Owner/Administrator Heritage Senior Care

1/1/14 AB241 Requires ALL Home Care Employers, (including private party) to pay 1.5x Min Wage after 9 hours a day / 45 per week.

Raising Live-in costs from $250 per day to $300 per day. (based on min wage at $8)

7/1/14 AB10 Raised the Minimum wage to $9 per hr. Causing Live-in rates to increase to $350 per day.

1/8/15 The California Supreme Court in Mendiola v. CPS Security Solutions ruled that employers couldn’t deduct sleep time where a California wage order does not specifically allow for the deduction of sleep time. Raising Live-in costs to $500+ per day or splitting up to 3- 8-hour shifts at $480 per day (based on Min wage at $9)

1/1/16 AB10 Raises the CA minimum wage to $10 per hour. Expect another increase on Hourly wages and Live-in if applicable. **This will raise Live-in costs to 600+ per day

** Now in State legislation SB3, which will raise Min Wage to $11 per hour on 1/1/16…then $13 on 7/1/17. (Senate just passed bill) This will raise Live-in Costs to 650+ per day

7/1/15 AB1522 Requires all employers to pay sick time. Every employee that works at least 30 days per year accrues 1 hour per every 30 hours worked. Accrual begins 7/1/15.

1/1/16 AB1217 Non Medical Home Care Agencies to be licensed. ALL Home Care Workers, regardless of employment, will be certified, trained, background checked and placed on a public registry. Regulatory details are being formed at State level. DSS is working with industry leaders to set up.

1/1/15 Affordable Care Act begins…unknown, as of yet how this will affect Home Care Costs. Expect an increase based on our experience with this.

now in State Legislation AB782 to also License DRA’s. This could be good news?
Currently NO non-medical home care companies hold ANY license other than a business license. They have just begun to prepare regulations thru DSS for non-medical agencies only. DRA’s refer caregivers for “private hire” and remain completely un-regulated as of now. No regulations in legislation for “underground caregiving” ie: craigs list,….
Elderly and even referral sources are confused by all this, believing that all companies are actually doing business right and are being monitored. Not true…75% of companies do NOT employ, screen, train, supervise or insure their workers.

Roni Mayben is available for a free educational presentation to explain these changes to your group.
Please call 1(800) 562-2734 to set this up.

Roni Mayben, CSA, Long Term Care Specialist

(800) 562-2734


Caregivers Needed Now!

Caregiver Jobs Available In:

  • San Diego County

  • Riverside County

  • San Bernardino County


Heritage Senior Care Values Our Employees!

 Caregiver Levels:

  • Personal Care Attendant III
    The PCA III provides services for clients that are under a medically supervised plan, to assist the client with personal care and to assist the client and his/her family with the household management. Duties may include: all duties listed above plus assistance with ambulation, non-sterile wound care, bed patient care, and support for Hospice.
  • Personal Care Attendant II
    The PCA II not only performs the basic housekeeping and homemaking services outlined above, but also non-medical directed personal care. Duties may include assisting with activities of daily living such as bathing, grooming, walking, dressing, eating, and toileting.
  • Personal Care Attendant I
    The PCA I assists with the basic housekeeping and homemaking services to maintain the independence and lifestyle of the client. No personal care is provided. Duties may include: meal preparation, laundry, light housekeeping, companionship, respite care, shopping, and escorting.

A Heritage employee must go through a rigorous screening before beginning a case!
Interview requirements:
√ A California License or ID
√ A social security card
√ No convictions of felonies or misdemeanors
√ A good driving record along with car insurance if you drive reliable transportation

Benefits of working with ours caregiver agency:
♥ We Are The First Senior In Home Care Company In The San Diego Area (Stable Employment)
♥ Medical and dental insurance after a year
♥ Weekly paychecks
♥ Direct deposit
♥ Holiday pay
♥ Flexible hours
♥ Competitive wages

Heritage Guidelines and Principles:
The following reflects the guiding principles and values that will determine the policies and procedures of our employees:

  1. Ethics and integrity are the foundation of our company.
  2. Flexibility in balancing a work schedule with family responsibilities.
  3. Provide our clients with the highest level of quality of life that is achievable