Many companies utilize contractors, rather than employees, to fill caregiving
assignments. They basically run an add or send a text looking for people in the general
public to act as caregivers, and pay those people an agreed upon hourly fee. Oftentimes,
these people little or no previous experience with the company. The company will either
pay the individual directly, or ask the client to write one check to the caregiving
company and one check directly to the caregiver. At Cambridge, every single one of our
caregivers are full-time, W-2 employees, who often have hundreds if not thousands of
hours of experience with our company. We offer them a full array of health benefits and
we pay 80% their health care premiums. Fully-employed W2 employees are more
committed and loyal to their employers and thus more committed to their clients.
We can schedule our caregivers on extremely short notice – usually same day if needed.
In our humble opinion, our caregivers are among the very best in the industry. Unlike
most other care homes, ALL of our caregivers are certified nurse’s aides (“CNAs”). In
addition to the many hours of training that they receive prior to taking their CNA exam,
our staff has hundreds if not thousands of hours of hands-on experience and training in
our homes and are provided with more than one hundred hours of additional training
prepared by our staff physician. We encourage anyone interested in moving into a
Manchester home to meet the staff during a house tour. We pride ourselves on staff
longevity and recognize that our staff is our most important asset. With that in mind,
we pay 80% of staff health benefits and we offer no-interest personal loans. All of our
caregivers are full time W2 employees, CNA certified, trained by our in-house staff
Doctor and director of care, and receive extensive training as well as hands-on
experience working with residents with memory issues.
Call us, and we will move quickly to set up new service with you. Required onboarding
paperwork is available on this website, under the tab entitled “Onboarding documents.”
Each of our caregivers are certified nurse’s assistants, meaning that they have
received comprehensive instruction and passed a State Competency Test. In addition,
we offer our employees up to 100 hours of additional training designed by our staff
physician, and many hours of practical, hands-on experience and training. In addition,
all of our caregivers must pass thorough criminal background checks.
You are NOT committed to engage us for any specific amount of time. The document
you sign simply requires you to pay for any hours of service received
Long term care policies cover non-medical care services, while medicare and general
health insurance policies do not. While Cambridge is happy to assist with any necessary
paperwork, including care notes, we cannot file directly with the insurer. The policy
owner is required to pay Cambridge directly and then file with the insurer for
reimbursement. It’s important to note that many long-term care providers require a
waiting or “elimination” period before coverage kicks in. We are happy to review your
long-term care policy and advise you as to benefits and limitations, or you can call your
insurer directly and ask for an explanation of benefits.
By law, caregivers must be paid overtime if they work more than 40 hours/week. We
strive to limit overtime by engaging several caregivers on an engagement so that
overtime charges are not incurred. However, when a client insists on limiting caregivers
or extending hours such that overtime is necessary, the client is responsible for
additional charges of time and a half for each hour of overtime, as required by federal
Yes, we will spend time with you to understand your situation and to consider the right
caregiver for your engagement.
Once onboarding documents are submitted, our scheduling manager works to customize the
engagement using the information submitted by the client. It’s much like a dating service. We
match care plan, logistics and personalities to the best of our ability with specific caregivers
from our staff. After this process is complete and the schedule is agreed upon, the engagement
Each caregiver goes through a national background check, drug screening, thorough interview
with our COO and Scheduling Manager, and their references are checked. Also, each caregiver
must pass an internal written test.
Typically a Community Outreach Liaison will visit with the family via phone, then schedule a
time to meet in person. Under the current circumstances we are using technology such as
Zoom, FaceTime or phone to get to know each other. Our focus is on the safety of our staff and
clients by minimizing contact. Regarding a meeting with a caregiver, we have learned that a
meeting prior to an engagement does not offer meaningful insight for the client; while we have
confidence in all of our staff, we appreciate that sometimes we may have to send out a
different caregiver after the engagement begins. Should there be issues such as the caregiver
wears too much perfume, talks to loud or sits in your favorite antique chair – feel free to
communicate freely. If it’s something you want management to address just let us know. If
there we need to pivot and switch out caregivers, no problem. We have 100+ caregivers, and
we have the right caregiver for you!
There are lots of variables that go into this, but in emergency situations it could be as fast as a few
hours. Typically we like to have at least 24 hours in order to get the family properly set up in the system
and give our scheduling team adequate time to put their matchmaking skills to work.
We have used various tactics and tools to enter a home where the client is unable to answer the door,
including: lockbox, spare key, garage door opener, hidden key, or garage combination.
There will be a notebook with care plan notes, contact information and a pad for caregivers to
take daily notes. These can be helpful for family, medical staff and long term care insurance.
We compensate our staff very generously and we pay 80% of their health premiums. Clients
are by no means obligated to tip our staff. We do allow gifts / tips for holidays, special
occasions or at the end of an engagement.
We typically have a 4/hr. minimum per engagement. However, due to the COVID pandemic, we
have modified our policy in an effort to protect our staff and to protect our clients. During the
pandemic, we will not allow our caregivers to work for more than two clients. This means that
each client must pay for 20 hours per week for services. By limiting the number of
engagements, we limit exposure for our staff and we limit exposure for our clients.
Invoices are generated every two weeks and sent electronically to the correct person on file
who pays the bills. We use the Automated Clearing House (ACH) system to charge our client’s
By law we are required to pay our staff overtime (1.5x) for any hours accrued over 40 hours per week.
We work with our clients to limit overtime, though we know that clients prefer fewer faces during the
This is up to the client. If the caregivers drives the client’s car, there is not an additional charge.
If the caregiver uses their own car, we charge standard IRS rate of .57/mile
Our sales team will always be responsible to maintain contact with you during the entire
engagement. They are committed to see that you are satisfied at all times. They will work with
our scheduling department as necessary. Our team is available to you 24/7/365 so that you are
never left hanging.
We know our individual staff and we use this knowledge to make good matches between our
staff and our clients. If a match doesn’t work, we will work to make it right. To begin, if the
caregiver is wearing too much perfume, talks to loud or sits in your favorite antiques chair – feel
free to discuss directly. If not, we can have the conversation on your behalf. If we can’t redirect
a staff person for whatever reason, we will simply substitute another one of our caregivers.
Usually we get it right, but we live by the motto that practice makes perfect.
Accelerated Death Benefits – pre-death benefits from a life insurance company to a terminally ill policy holder.
Activities of Daily Living – are activities normally associated with the day-to-day personal care, such as personal hygiene, using a toilet/continence, dressing, cooking, eating and taking one’s medication.
ADLs or Activities of Daily Living – are activities normally associated with the day-to-day personal care, such as personal hygiene, using a toilet/continence, dressing, cooking, eating and taking one’s medication.
Adult Day Care – A daytime program for functionally impaired adults that provides a variety of social and related support services in a protective setting.
Adult Day Health Care – A daytime program for functionally impaired adults that provides a variety of social, medical and related support services in a protective setting.
Adult Family Homes – Are defined as a family-type living arrangement in a private home providing room, board, and personal care for no more than five disabled adults.
Adult Foster Care – Provides a 24-hour living arrangement with supervision in an adult foster home for people who are unable to continue living independently in their own homes because of physical, mental or emotional limitations.
Adult Living Facilities – An assisted living residence or assisted living facility is a housing facility for people with disabilities or for adults who cannot or who choose not to live independently.
Adult Social Day Care – is a planned program of activities in a professional care setting designed for older adults who require supervised care during the day, or those who are isolated and lonely.
Aid & Attendance – a type of pension program for wartime veterans.
Alternative Home Equity Programs – A shared equity mortgage is a type of financing program that assists homebuyers with the upfront costs of buying a property. These programs are generally offered by nonprofit organizations, municipalities, or private investors.
Assisted Living – A supportive housing facility designed for those who need extra help in their day-to-day lives but who do not require the 24-hour skilled nursing care found in traditional nursing homes.
At Home Care – Medical care provided to seniors in their place of residence other than in an assisted living or skilled nursing facility.
Board and Care Homes – are houses in residential neighborhoods that are equipped, adapted, and staffed to care for a small number of residents, usually between two and 10. These homes provide comparable care to what’s offered at assisted living communities but usually less than what a nursing home provides.
Board and Lodging – A place of lodging with daily meals, usually provided in return for rent or other considerations.
Care Allowance Plan – A type of long term care insurance benefit in which the insurance company pays out a set dollar amount for care on a daily, monthly or annual basis instead of paying for the actual cost of care.
Cash Surrender Value – the cash value of a life insurance policy were the policy holder to terminate the contract and resell the agreement to the insurance company.
CCRCS – A continuing care retirement community, sometimes known as a life plan community, is a type of retirement community in the U.S. where a continuum of aging care needs—from independent living, assisted living, and skilled nursing care—can all be met within the community.
CFL – is a health insurance and care program provided by the U.S. Department of Veterans Affairs (VA) for spouses and / or children of veterans permanently disabled or killed in the line of duty.
CHAMPUS – is a health care program of the United States Department of Defense Military Health System.
CHAMPVA – Civilian Health and Medical Program of the Department of Veterans Affairs, a medical insurance programs for veterans’ families.
CHAMPVA for Life – an extension of CHAMPVA benefits for individuals over 65.
Community Based Retirement Facilities – A retirement community is a residential community or housing complex designed for older adults who are generally able to care for themselves; however, assistance from home care agencies is allowed in some communities, and activities and socialization opportunities are often provided.
Community Residences – A group home or specialized residential care home serving unrelated persons with disabilities which is licensed, certified or accredited by appropriate local, state or national bodies.
Continuing Care Contract – is a CCRC contract that restricts the total number of days one can receive care. Should the senior require additional care, it can be purchased at the time for a discounted rate.
Continuing Care Retirement Communities – A community that provides a continuum of care, from private residences to assisted living and skilled nursing care. These are designed for individuals that want to remain in a single location for senior years and for seniors with declining conditions.
Convalescent Hospital – is a place where the period of recovery or anything related to the process of returning to health, like a convalescent program of physical therapy or a convalescent ward at a hospital.
Custodial Care – Care primarily for meeting personal needs such as assistance in bathing, dressing, eating or taking medicine which can be provided by someone without medical training.
Death Benefit Loans – a loan from a life insurance company to a policy holder that is secured by the death benefits.
Domiciliary Care – This is the kind of care provided to the elderly by a qualified home care worker at the senior’s own home.
Elimination Period – the number of days an individual must hold a long term care policy before benefits can begin.
Equity Release – Equity release is a means of retaining use of a house or other object which has capital value, while also obtaining a lump sum or a steady stream of income, using the value of the house.
Extensive Care Contract – Extended care services refer to those services that are offered to persons who need assistance with day-to-day activities or with medical needs by a recognized service provider.
Fannie Mae Home Keeper – a type of reverse mortgage that is now obsolete.
Fee-For-Service Contract – is a CCRC contract that requires residents to pay separately for their residential and medical costs.
Group Homes – a home where a small number of unrelated people in need of care, support, or supervision can live together.
Geriatric Assessment –A comprehensive assessment of an older person’s health, social and financial needs with the goal of improving the overall quality of life.
Geriatric Care Manager – A fee-based, professional that assesses a person’s long-term care needs and financial situation and arranges and monitors the necessary care services.
HECM loans – is a type of reverse mortgage that is insured by the Federal Housing Administration (FHA) Home equity conversion mortgages allow seniors to convert the equity in their home into cash.
Home Care Aides – help care for physically or mentally ill, injured, disabled or infirm individuals who are confined to their homes or living in residential care facilities. They may also provide daily care services to people with disabilities who work outside the home.
HCBS – Home and Community Based Services, assistance provided to persons in their homes or communities instead of in nursing homes. Term is commonly used by Medicaid programs.
Home Equity Co-Investment – Instead of taking out a mortgage from a bank, buyers work with a partnering company to purchase a home. Co-investors share the equity in your property, treating it as an investment, and in exchange, offer discounted monthly payments.
Home Equity Conversion Mortgage – is Federal Housing Administration’s. (FHA) reverse mortgage program which enables you to withdraw some of the equity. in your home. You choose how you want to withdraw your funds, whether in a fixed. monthly amount or a line of credit or a combination of both.
Home Equity Co-Share – that when you sell your home we both benefit from the value going up or share in the loss if the value goes down.
Home Equity Sharing Programs – an agreement in which a homeowner receives a cash payment today in exchange for some percentage of their home equity in the future.
Hospice – a care program that alleviates the symptoms but does not cure the underlying cause provided to dying persons and their families, in the form of physical, psychological, social and spiritual care.
Housebound – a type of pension program for wartime veterans.
HUD reverse mortgages – enables you to withdraw a portion of your home’s equity to supplement your income, or to purchase a home. There are no monthly principal and interest payments.
HUD/FHA Home Equity Conversion Mortgage – is Federal Housing Administration’s. (FHA) reverse mortgage program which enables you to withdraw some of the equity in your home. You choose how you want to withdraw your funds, whether in a fixed. monthly amount or a line of credit or a combination of both.
HUD-insured Home Equity Conversion Mortgage – Reverse mortgages can provide a valuable financing alternative for qualified homeowners. Any lender authorized to make HUD-insured loans may originate reverse mortgages.
Improved Pension Program – a type of pension program for wartime veterans.
Independent Living – Communities, typically of single family homes or townhomes for self-sufficient seniors that want the security and social activities of a community living environment.
Jumbo Reverse Mortgages – a type of reverse mortgage for high value homes.
Life Care Contract – is a CCRC contract in which all long term care costs are covered with no additional fees.
Life Insurance Settlements – A life settlement is the legal sale of an existing life insurance policy for more than its cash surrender value, but less than its net death benefit.
Life Settlement – the sale, by the policyholder, of their life insurance to a 3rd party in exchange for a lump sum of cash.
Life-Care Facilities – A residential development offering varying levels of housekeeping support, medical care, and community dining for senior citizens.
Lifetime Mortgage – you take out a loan secured on your home which does not need to be repaid until you die or go into long-term care.
Look Back Penalty – in an attempt to gain eligibility, some seniors transfer their financial assets to other family members. To discourage this activity, Medicaid considers “lookback” asset transfers as far as 5 years previous.
Medicaid Gap – If a senior’s assets are greater than the Medicaid eligibility requirement, but are less than the monthly cost of long-term care, the senior falls into this category.
Medicare Saving Program – a series of programs designed to help financially needy seniors who are not eligible for Medicaid with the cost of co-pays, premiums and care.
Medicare Supplemental Insurance – sometimes referred to as Medigap plans, this insurance extends Medicare benefits.
Military Retiree – a “retired” member of the military is someone who has 20 years of service. All military retirees are veterans but not all veterans are military retirees.
MIP – is paid if you as a borrower were to make a down payment of less than 20 percent on your home loan. It is paid by you, but is used to protect the lender from losses if you were to default on the loan.
Modified Care Contract – A contract modification may introduce or cancel specifications or terms of an existing contract, while leaving its overall purpose and effect intact.
Mortgage Insurance Premium – a special type of insurance required for reverse mortgages borrowers that provides additional consumer protections.
MSP – see These programs are for people with limited income and. resources and help pay some or all of their Medicare premiums, deductibles, copayments and coinsurance.
Non-Medical Senior Housing – Independent senior living properties do not provide health care or assistance with activities of daily living (ADLs) such as medication, bathing, eating, dressing, toileting and more.
Non-Traditional Home Equity Programs –Nontraditional mortgages often come with higher interest rates because of the higher payment risks associated with the loan.
Nursing Care and Rehabilitation – is to assist individuals with a disability and/or chronic illness to attain and maintain maximum function.
Nursing Home – a private institution providing residential accommodations with healthcare, especially for elderly people.
Origination Fee – a fee charged by a lender in loan transaction that covers the lender’s expenses and margin.
PACE – refers to the Program of All Inclusive Care for the Elderly which a comprehensive care program offered by Medicare.
Palliative Care – a care program that alleviates the symptoms but does not cure the underlying cause, usually provided to dying patients.
Personal Care Aides – individuals that provide custodial care, or non-medical care, in a senior’s place of residence.
Personal Care Facilities – offers housing, meals and assistance with medications and personal care tasks.
Personal Care Homes – are residences that provide shelter, meals, supervision and assistance with personal care tasks, typically for older people, or people with physical, behavioral health, or cognitive disabilities who are unable to care for themselves but do not need nursing home or medical care.
Priority Group – one of 8 different groups into which all veterans are assigned based on disabilities, assets and other factors. These are a major determining factor in what health benefits the veteran receives.
Progressive Neurological Condition – any of a number of conditions in which the patient has progressively declining symptoms such as Alzheimer’s or dementia.
QDWI – Program is one of the four Medicare Savings Programs that allows you to get help from your state to pay your Medicare premiums. This Program helps pay for Part A premiums only.
QI – is state-specific and some agencies may not have a requirement.
QMB – is a person for whom the government must cover certain health care costs, including premiums, deductibles and copays.
Qualified Disabled & Working Individuals – one of several programs designed to help financially needy seniors who are not eligible for Medicaid with the cost of co-pays, premiums and care.
Qualified Medicare Beneficiary – one of several programs designed to help financially needy seniors who are not eligible for Medicaid with the cost of co-pays, premiums and care.
Qualifying Individual – one of several programs designed to help financially needy seniors who are not eligible for Medicaid with the cost of co-pays, premiums and care.
Real Estate Equity Exchange – is the difference between the current fair market value of a property and the amount of debt owed against the property.
Residential Care – refers to long-term care given to adults or children who stay in a residential setting rather than in their own home or family home.
Residential Care Facilities –or group homes, are small private facilities, usually with 20 or fewer residents. Rooms may be private or shared. Residents receive personal care and meals and have staff available around the clock.
Rest Homes – a residential institution where old or frail people are cared for.
Retirement Communities – is a residential community or housing complex designed for older adults who are generally able to care for themselves; however, assistance from home care agencies is allowed in some communities, and activities and socialization opportunities are often provided.
Retirement Homes – a house or apartment in which a person lives in old age, especially one in a complex designed for the needs of old people.
Reverse Annuity Mortgage – is a loan that is secured against the value of your home. It allows you to cash in some of your home’s equity, without having to sell or move out.
Reverse Mortgage – a loan with high levels of consumer protection for seniors, secured by their home equity, in which the lender makes payments to the home owner.
Section 202 housing – a type of government assisted housing.
Section 8 rental certificates – a type of government assisted housing.
Senior Apartments – is housing that is suitable for the needs of an aging population.
Senior Housing – It ranges from independent living to 24-hour care.
Senior Life Settlements – involves selling an existing life insurance policy to a third party—a person or an entity other than the company that issued the policy—for more than the policy’s cash surrender value, but less than the net death benefit.
Senior Settlements – a life settlement where the insured individual meets a minimum age requirement, typically over 65, and has a life expectancy of fewer than 15 years.
Service-Connected Disability – refers to a disability incurred by a veteran that was in some way connected to their time in service.
Shared-Appreciation Arrangement – the lender provides a lump sum payment to the homeowner in exchange for a portion of the future equity appreciation in a property.
Sheltered Housing – is a term covering a wide range of rented housing for older and/or disabled or other vulnerable people.
Skilled Care – Care ordered by a physician that requires the medical knowledge and / or technical training of a licensed healthcare professional.
Skilled Nursing Facilities – A residential home for seniors in which care is provided by licensed healthcare professionals.
SLMB – Is aprogram that helps you pay for Medicare Part B premiums. A state’s Medicaid program funds the SLMB program.
SNF – is an in-patient rehabilitation and medical treatment center staffed with trained medical professionals. They provide the medically-necessary services of licensed nurses, physical and occupational therapists, speech pathologists, and audiologists.
Specified Low-Income Medicare Beneficiary – one of several programs designed to help financially needy seniors who are not eligible for Medicaid with the cost of co-pays, premiums and care.
Spend Down – refers to the process by which a senior will spend down all their assets on their care until their assets are depleted sufficiently to qualify for Medicaid.
TFL – see TRICARE for Life
TRICARE –a medical insurance program for military retirees and their families.
TRICARE for Life – an extension of the TRICARE program for individuals over 65.
Viatical Settlement – the sale, by a terminally ill policyholder, of their life insurance to a 3rd party in exchange for a lump sum of cash.
Wartime Veterans – Veterans that served at least 90 days and at least one of which was during the wartime dates below, but not necessarily in combat.
World War II: Dec 7, 1941 – Dec 31, 1946
Korean War: Jun 27, 1950 – Jan 31, 1955
Vietnam War: Aug 5, 1964 – May 7, 1975
Gulf War: Aug 2, 1990 – Undetermined