Predatory Behavior & Financial Exploitation Mitigation

Scam artists and those who seek to exploit seniors, individuals with disabilities, and their families seem to know no bounds. Our life care managers are skilled at recognizing the tell-tale signs of financial scams and unscrupulous individuals. We will assess the situation and the risk to the individual, then offer plans to mitigate the risk. In situations where an individual is being victimized, our team has the experience necessary to intervene to stop the victimization and make referrals to the necessary professionals to help put the victim back on the path to recovery.

Simple Bill Pay

Whether you’re a senior who is finding it increasingly hard to manage your daily finances, or you are an adult child who has noticed financial decline in your parents, offers bill pay services. These services help seniors remain independent while minimizing the risk of falling victim to a scam or having late payments on accounts. Our simple bill pay services are flexible and designed to meet your needs. Your Personal Needs Coordinator can come to your home to pay bills with you, or handle paying your bills without bothering you. When we complete paying your bills, you will be provided with a detailed accounting of the bills we paid. We will always review your bill for accuracy and question the biller should we believe you have been incorrectly charged.

Guardianship

is trusted by the courts to advocate and manage the affairs of the most vulnerable in society. Guardianship is an undesirable situation for any individual to find themselves in. To learn how you can avoid court-ordered guardianship, please visit our essential life documents resource page.

Agent Work

If you have found yourself acting as the power of attorney or guardian of a loved one and are overwhelmed by the responsibility you now bear, you can turn to for help. As your agent, you remain in control while we handle the administrative tasks and help you make the decisions that are best for your loved one.

Durable Power of Attorney

is experienced serving as the durable power of attorney for healthcare, finances, or both. Whether you are aging alone and want peace of mind, or you want to avoid family politics, our durable power of attorney service ensures you are protected should you become incapacitated and unable to make your wishes known.

Document Organization & Review

When the unexpected strikes, being organized can make all the difference. From compiling and maintaining a record of all medications to collecting and organizing important medical and legal documents, can gather and manage your essential life documents. At your request, we can also review your documents for missing information and update your documents to ensure information is accurate and your care preferences are known. We work with many professionals throughout and can refer you to a trusted partner should you need assistance with your legal or financial documents. To learn more about essential life documents, please visit our resource page.

Medication Analysis

Adverse drug reactions are one of the leading reasons a senior will visit an emergency department. While many believe their doctor or pharmacist is monitoring their medications for potentially negative consequences, this isn’t always the case, especially if over the counter medications or supplements are part of the daily pill regimen. can perform a medication analysis to identify which prescriptions, over-the-counter medications, and supplements may interact to create an adverse reaction or lead to undesirable feelings, such as fatigue, nausea, or dizziness. When many specialists are involved, it is not uncommon to find duplicative or offsetting medications being prescribed to the patient. Our Registered Nurse Advocates will work with the prescribing physician to optimize the medications a client is taking. This reduces the likelihood of an adverse reaction and can help lower the overall costs of medications.

Medical Bill Review

Because medical billing errors have become commonplace, experts recommend not paying a medical bill unless the information on the bill is understood. has the necessary expertise to understand your insurance company’s explanation of benefits or Medicare’s coverage, ensuring your bill is error-free and you are not being overcharged. Should we find errors, we can work with the biller on your behalf to correct the error.

Benefits Review

Surveys routinely find consumers don’t understand their insurance benefits and are likely leaving money on the table, or paying for medical services their insurance should cover. ’s Personal Needs Coordinators are skilled at reviewing insurance policy coverage and explanation of benefits to ensure a beneficiary is receiving the benefits they are due. Our Personal Needs Coordinators also understand government benefits. They can help guide you through the application process and the appeals process or recommend expert assistance should you have a complex case.

Quality Assurance

From lawn care services to home repair contractors, ’s Personal Needs Coordinators are able to provide on-site quality assurance to make sure the service providers you’ve hired are delivering the quality you expect. Should problems arise, we will work with the provider to rectify the situation or bring in a different provider. Our life care management team includes Registered Nurse Advocates who brings a trained eye to supervise the services being provided by in-home caregivers and other medical professionals. Through our RN Advocates, is able to go beyond what other life care managers offer by providing oversight and quality assurance of the healthcare services being delivered.

Coordinating In-Home Services

In-home care services are becoming increasingly common and play an important role in helping individuals remain safe and independent in the comfort of their home. coordinates across the spectrum of home care services and can help you find the best provider based on your situation. From non-medical in-home care to hospice care, you can trust us to find and manage the best provider in the for your needs. Once you have selected a provider, our Registered Nurse Advocate will perform announced and unannounced visits to ensure the highest quality care is being provided, and care plans are being followed.

Coordinating Living Arrangements

Aging in place is popular with many seniors, but not everyone wants to grow old in the family home. Some will prefer the lifestyle offered by a retirement community, while others want to downsize to a smaller home. Perhaps a loved one needs the help provided by an assisted living community. No matter what the needs are, can help identify living arrangements that fit the preferences and needs of the individual.

Coordinating Home Repairs & Modifications

Whether your home needs repairs, renovations, or modifications, knows who the best contractors are in the and what is a fair price to pay for the work you need to be completed. In addition to helping you find and hire the right contractor, we’ll also provide on-site quality assurance so you can rest assured the work you need to be done is being completed in a timely manner and the workers are being held accountable for the quality of their work.

Aging in Place

offers numerous services to help individuals remain independent and safe while aging in the comfort of their home. From home safety assessments to coordinating home repairs and modifications, to vetting and supervising in-home care service providers, is the partner you need to help age in place.

Treatment Compliance

The fastest road to recovery is following the doctor’s prescribed treatment plan. Poor adherence to a treatment plan can slow recovery or lead to other medical complications both of which costs the patients money and keep them from enjoying activities and time with friends and family. ’s Registered Nurse Advocates can improve an individual’s overall healthcare by helping them follow the treatment plan. Should the anticipated outcomes of the treatment plan occur slower than expected, the Registered Nurse Advocate will coordinate with the doctor to adjust the treatment plan helping to ensure a timely recovery.

Personal Rights Protection

Seniors and individuals with disabilities are often finding themselves working harder to ensure their rights are not infringed upon. ’s team of experienced life care managers can advocate for the rights of individuals and will bring in other qualified professionals to protect a person’s rights as necessary.

Crisis Intervention

When an individual experiences a sudden and unforeseen medical emergency, it can be difficult for family members or close friends to set aside their emotions and work with medical professionals to determine the best course of action. As part of our patient advocacy, ’s Registered Nurse Advocates are ready to step in during a medical crisis to ensure the treatment wishes of the patient are being honored. Additionally, they help family members understand the treatment options being proposed as well as the benefits and risks associated with each treatment option.

Our Approach

When it comes to geriatric care management and patient advocacy services, IKOR of Charlottesville stands above the rest. Our process begins with a needs assessment where we consider an individual’s physical and cognitive abilities, their financial situation, as well as their wishes, desires, and values. Based on the assessment, we create a plan of action, filled with specific recommendations. Working with our client, we determine a course of action and coordinate the delivery of services, constantly providing on-site quality assurance.

Our Promise to You

At the heart of everything we do is the promise we make to our clients and our partners. Our promise is in our name: IKOR.  To always act with Integrity, apply our deep Knowledge, and operate with Objectivity and Reliability.   We empower our client’s participation in their care, and apply our expertise to help our clients achieve the best condition of existence, to achieve wellbeing. Integrity Knowledge Objectivity Reliability We are passionate about helping individuals in our community. It’s our job to know who’s who, and we pride ourselves on being a resource people can rely on to navigate aging, injury, or disease. Our Collaborative Approach to Care Management approaches care management as a collaborative partnership with each client. We take time to listen to our clients so we can understand their aspirations and dreams, their challenges and fears. We ask questions about their preferences and their values, making sure to honor both as we formulate care plans and courses of action. Our collaborative approach leads to better outcomes for our clients because we have a complete understanding of their situation. What it Means to be an Advocate For us, advocacy is about giving a voice to those who might not want to speak up or those who are not being heard. It is about making sure those who are vulnerable are protected. Advocacy is about listening closely and discovering the subtleties in our clients’ lives to ensure that every day is the best day it can be no matter what challenges they are facing. Advocacy is about using our deep knowledge and expertise gained over a lifetime of experience to empower those around us. Advocacy is about being there for our clients through the highs and the lows. No matter where life’s journey takes you, you can count on your advocate to be there for you.

Our Team

Katie Caverly, Managing Director Elizabeth Bowman, RN Advocate Denise Murray, RN Advocate Kimberly Simms, RN Advocate Carol Wisinski, RN Advocate Anne Sweazey, Client Advocate Laura Bartlett, Personal Needs Coordinator Amanda Wilt, Fiduciary Accountant Cary Anderson, Bookkeeper Deirdre Baxendale, Runner Jacob Plaugher, Office Manager Calliana Hosting, Administrative Assistant Registered Nurse Advocates Our Registered Nurse Advocates are highly experienced professionals with supervisory or management experience in the nursing field. Registered Nurse Advocates have received specialized training giving them a unique understanding of patient advocacy, and all Registered Nurse Advocates are certified to administer the MoCA, the prevailing cognitive assessment tool. They help our clients and their families navigate the complex and fragmented healthcare system. Personal Needs Coordinators Our Personal Needs Coordinators are experienced professionals who provide guidance, planning, oversight, and implementation of the plans designed to focus on our client’s important life challenges. Personal Needs Coordinators act as an independent, objective party to help make decisions that are in the best interest of our client. From helping the client find an appraiser for antiques or jewelry to helping them liquidate assets or getting quotes and bids for home modifications and repairs, our Personal Needs Coordinators are ready to help our clients make informed decisions.

About Us

At , we handle the details of life and simplify the complexities of aging so our clients can focus on the activities they enjoy and spending time with family and friends. Our client-centered approach goes beyond traditional case management. Using a medically-based approach our Geriatric Care Managers, Registered Nurse Advocates, and Personal Needs Coordinators identify and facilitate the delivery of essential medical, life care, and in-home care services. Our experienced life care management team can help manage the medical, financial and personal aspects of one’s life. Learn More About

Essential Life Documents for Seniors

There may come a moment when your personal information is required to resolve a personal crisis. Legally-binding documents are required for important processes like veteran’s benefits or selling a home. Maintaining these records in one location will afford you peace of mind if an emergency occurs. After gathering your information, make sure to tell your designated contact where the documents are located and update these documents as necessary. Financial Documents Legends about long-lost gold tucked away in great-grandmother’s home make for engaging stories shared around a holiday table. By organizing your information, your finances will stay safe and not become a missing family treasure. Here are the key financial documents you should have available to use:  List of bank accounts Retirement accounts (pension, 401(k), IRAs, Roth IRAs, TSP, annuities, etc.) Tax Returns Savings accounts Safe deposit boxes Brokerage accounts Debt Accounts (credit cards, loans, mortgages, etc.) Property deeds Vehicle titles Durable Power of Attorney for Finances (Financial Proxy) Healthcare Documents A medical crisis can occur from something as simple as a fall or car accident. Planning for this crisis makes all the difference in your medical care and comfort. Your personal medical documents should include: Living will Personal medical history Medications list (Rx & OTC) Allergies Insurance policies (health insurance, long-term care, etc.) HIPAA release authorization Durable Power of Attorney for Healthcare (Medical Proxy) End-of-Life & Estate Planning Documents While difficult to discuss, preparing end-of-life documents offers peace of mind confirming your wishes are honored. Having these documents available and in one location allows you and your family to manage the orderly transfer of property and assets to the next of kin. Will Trust documents End of life instruction letter Other Essential Documents Our lives are bookended by certificates of birth and death. In between, we need certain documents to facilitate our lives. These documents should be stored in a safe, but accessible location. Access to your legal documents (as listed below) helps guarantee your insurance or benefits aren’t interrupted at a critical time. Birth certificate Marriage & divorce papers Military records Contact list (family, relatives, close friends, attorney, financial planner, tax advisor, etc.) Social Security Card Driver’s license Passport Online account information (Facebook, Pinterest, Netflix, online banking, etc.) If gathering all of these documents seems overwhelming, or you simply don’t have the time to do it, a life care manager is ready to help. Visit our services page to learn more about how can help you collect and manage your essential life documents.

Life Care Management

What is Life Care Management? As the baby boomers begin the journey into life’s later years, they look forward to more time to spend with family and friends, more opportunities for travel and leisure, and more time for the activities that give them personal fulfillment. They will find as their age increases, so does frailty and often the complexity of their health care. The baby boomers will also find a healthcare system is more complex than ever before. Life Care Management Looks at a Person Holistically Health makes up only part of an individual’s overall well-being. A person’s happiness, living conditions, and finances all contribute to a well-rounded quality of life. As Life Care Managers, we take all aspects of a person’s life into account when helping them plan for the future. Our process starts with an assessment to understand the client’s medical, environmental, psychosocial and financial needs. The Managing Director and Registered Nurse Advocates have special training to help them fully assess the client’s situation and determine what services will help that individual live the fullest possible life. The Managing Director is the foundation of the life care management team. The Managing Director watches over each client’s case to ensure the plan of action is being implemented appropriately and consistently with the client’s wishes. To handle the client’s day-to-day needs, or should the client require assistance with their finances, our Personal Needs Coordinators is the skilled expert handling these matters for our clients. To meet the medical needs and navigate the healthcare challenges our clients face, an experienced Registered Nurse will act as our client’s patient advocate. In addition to serving as a patient advocate, our Registered Nurse Advocates are often called to perform various assessments. These assessments can range from cognitive assessments to safety assessments to medication assessments. We currently have 35 assessment tools that we can use to help our clients maintain their independence and quality of life for as long as possible. Life Care Management Assesses Safety & Living Environments One of our most important responsibilities we have to our clients is ensuring their living arrangements meet their needs and are safe. During an environmental assessment, we determine the client’s optimal living situation by evaluating their mobility, physical strength, cognitive ability, and other factors to ensure the highest degree of safety and best possible quality of life is being achieved by their living environment. If a client’s living needs are best met by living in a community setting, we will consider the client’s financial situation, personality, and likes when making a recommendation. Our work with the client doesn’t end once we have helped them find community living arrangements. A Registered Nurse Advocate, or the Managing Director, will routinely check in with the client to support their adjustment to their new home. Additionally, we will perform unannounced quality assurance checks to assure the staff is consistently and appropriately honoring the client’s wishes while addressing their physical, well-being, and medical issues. Life Care Managers Coordinate the Delivery of Services Service coordination is perhaps one of the most important life care management services we perform. While service coordination has typically meant coordinating healthcare services between providers, life care managers look beyond a client’s health needs and coordinate all the services that help an individual maintain a high quality of life. Our Personal Needs Coordinators and Managing Director know many of the service providers in the community, and we can help clients or their family’s vet a wide range of service providers. From providers to care of the yard, provide home repair services, or make upgrades to the home, life care managers will manage the delivery of all of our client’s essential life services. We know the local home care providers and can help select a home care agency to prepare meals, arrange transportation and provide any number of in-home care services a person might need. When a client can safely age in place, a Registered Nurse Advocate or Managing Director will help select necessary services to support independent living. This can range from hiring a home care agency for companion care services to finding a service provider to remove snow during the winter and tend to the lawn in … Read more

Patient Advocacy for Charlottesville Seniors

Advancements in health care over the last half century have been truly astonishing, and with the rise of the Information Age, improvements in health care have only accelerated in recent years. While medicine will continue to improve the quality of life for millions, there is a dual threat to ensuring positive patient outcomes in health care. For all of the advancements in treatments, therapies and the delivery of health care in general, it is undeniable that the system has become significantly more complex and harder to navigate than ever before. As complexity has increased, the amount of time doctors are spending with patients has decreased. For patients, this means they have less time with an expert to help them understand test results, answer questions or discuss treatment options. Even when doctors do take time to visit with their patients, patients typically lack the necessary clinical knowledge to make sense of the information they are being provided. While numerous resources exist online to help patients prepare for a doctor’s visit, ask the right questions, and understand their treatment, the National Patient Safety Foundation finds patients are typically stressed and not always able to ask the questions they should be asking. Studies continually show health care outcomes are better when the patient is a proactive member of their health care team. Those studies also find individuals identify being involved in the decision making about their care is a top priority. But if individuals are ill-equipped or not in the right frame of mind to ask the questions that will help them be proactive in their care, what is the solution? One answer appears to be patient advocates. What Is a Patient Advocate? Patient advocates can fulfill many roles to help individuals proactively manage their health care. The process typically begins with the advocate making a list of everyone involved in the person’s care and all medications the person is taking. Once the individual’s medical history, care team, and medications are understood by the advocate, the advocate will typically attend doctor’s appointments, treatments, and other procedures. In this setting, the patient advocate is an expert set of eyes and ears, carefully listening to the health care provider, taking notes, asking questions and ensuring the patient understands what is being discussed. Following the appointment, the patient advocate will help coordinate follow-up visits and schedule appointments with specialists. Patient advocates will help their client make an informed decision about treatment options and procedures by helping their client plainly understand what is entailed, what the pros and cons are for each option and what side effects could be. Some patient advocates will review their client’s medical bills to check for errors, and in some instances, may be able to work with the care provider or insurance company to reduce the out-of-pocket costs incurred by the client. Who Can Be a Patient Advocate? There are currently no formal requirements for who can serve as an individual’s patient advocate. A patient advocate can be a family member, a close friend or relative, or even a trusted co-worker. Many hospitals and some assisted living communities provide patient advocates. These advocates are usually social workers, clergy members, or staff who have a clinical background. Increasingly, there are companies stepping forward to provide professional advocacy services. Regardless of who serves as an individual’s patient advocate, it is important for the advocate to have a few key skills: First, they must have strong communication skills. The patient advocate should be comfortable slowing down a hurried doctor to get them to explain the diagnosis, treatment options, and procedures plainly to the patient. The patient advocate must have a strong attention to detail so they can maintain an accurate record of doctor’s visits, medications, and treatment an individual is receiving. If the patient advocate selected does not have a social work or clinical background, or experience as an advocate, they should have good research skills and a willingness to learn with the client about the diagnosis, the overall implications it has for the patient’s health, and treatment options. For individuals who simply need routine medical care, a family member or close friend can make a good patient advocate, as their primary role will be attending appointments, taking notes and helping facilitate communication between … Read more

Resources for Aging Well in the Charlottesville Area

Knowledge is power, and when it comes to aging that certainly is true. At IKOR of Charlottesville, we’re committed to helping seniors – and their families – navigate the aging process with ease. In our Resource Center, you’ll find helpful articles ranging from information on geriatric care management to essential life documents that you should have collected and organized. As you set out on this journey through aging, we’re here to support you. Our team of life care managers is specially trained to help seniors age with grace and dignity while fostering independence. Patient Advocacy For all of the advances in healthcare, it is undeniable that the system has become more complex and harder to navigate. Learn what it takes to be a patient advocate and how advocates improve healthcare outcomes for seniors. Geriatric Care Management Seniors and family caregivers routinely report feeling a lack of confidence about the decisions they make. Geriatric Care Managers are experts who help families through the aging journey. Aging in Place Home is where the heart is, and a goal of many seniors is to age in the home that holds so many good memories. Having a plan can make all the difference when it comes to safely aging in place. Learn more about aging in place. Life Care Management Health makes up only part of an individual’s overall well-being. A person’s happiness, living conditions, and finances all contribute to a well-rounded quality of life. Discover how the geriatric care practice is evolving to be more holistically focused on a person’s life. Essential Life Documents If a crisis were to strike tomorrow morning, would you have easy access to your prescription information? Would you know how to access insurance policy information? Having essential life documents organized can bring some calm when stormy times occur. IKOR Services IKOR of Charlottesville offers a wide range of services to help seniors and their families navigate the complexities of aging. Our life care management team is made up of highly-skilled registered nurses, geriatric care managers, and personal needs coordinators. Each case is overseen by the Managing Director.

Patient Advocacy

Our team of life care managers includes highly experienced Registered Nurse Advocates and geriatric care managers. They attend doctor appointments with clients, help our clients understand treatment options, coordinate care between primary care physicians and specialists, and ask questions to ensure our clients are getting the best care and treatment options available. To learn more about how patient advocates can improve the quality of an individual’s healthcare, visit our patient advocate page in the resource center.

Home

Trusted Life Care Managers & Patient Advocates in Welcome to . Since 2016, we have been helping individuals, families, and professionals across the manage the complexities of life. As experienced geriatric care managers, we are experts at navigating life’s transitions; skilled at advocating for our client’s needs, and we possess a thorough understanding of the resources available to help seniors and individuals with disabilities live a full life. Looking for Transportation? IKOR Transport makes getting around Charlottesville a breeze! While public transit, taxis, and ridesharing services seldom accommodate wheelchairs and typically won’t help their passengers once they reach their destination, IKOR Transport goes the extra mile. Visit our sister company’s website to learn more. What is Life Care Management? Life care management goes beyond traditional geriatric care management to put a knowledgeable aging expert “in your corner” providing you with advice and guidance. Your life care manager is your partner, helping you navigate difficult decisions and ready to speak up on your behalf when your voice isn’t being heard. While life care managers help their clients in almost every way imaginable, their assistance generally falls into one of four categories: Navigate Coordinate Advocate Communicate