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Featured · new
For aging at home

The Modification Cooperative.

The first thing every aging family needs is a ramp. Then grab bars. Then a walk-in shower. Then a stair lift. Then everything else that lets the home stay home.

01 · Entry
Ramps + thresholds
Modular ramp, no-step thresholds, lever handles, 36" doorways. $2K–$8K.
02 · Bathroom
Walk-in shower + grab
Curbless shower, structural grab bars, comfort-height toilet, anti-scald valves. $5K–$15K.
03 · Stairs
Stair lift or first-floor
Stair lift install or first-floor master conversion, motion-sensor stair lighting. $3K–$15K.
04 · Smart safety
Voice + fall detection
Voice-activated lights, fall-detection cameras, video doorbell, smart locks. $1K–$5K.
HSA savings
Bundle the modifications into a Letter of Medical Necessity from a licensed physician. Pay pre-tax with HSA. Save $1,500–$10,000 on a $5K–$30K project.
Start a modification request → Join as a contractor →
The cooperative covers

Every kind of help. One cooperative.

Each category is a real skill, a real listing, and a real way to either receive care or earn as a neighbor.

Home modifications

Ramps, grab bars, walk-in showers

Worker-owned contractors. LMN routing for HSA pre-tax payment.

$5K–$30K projects
Companion care

An hour of presence

Reading, walks, memory work, family check-ins. The most-asked-for category.

$25–$30/hr W-2
Transportation

Doctor visits, errands, family

Reliable rides from a neighbor who knows your parent's name.

$25–$50/trip
Meals + cooking

Batch cook, special diets

Weekly cook-ahead. Diabetic, soft-food, low-sodium. Pantry stocked.

$30–$60/session
Tech setup

Smart home, video calling

Echo Show, fall sensors, simplified iPad. Calm, patient, repeated visits.

$50–$200 setup
Hands-on care

ADLs, mobility, hygiene

Trained CNA / HHA-level caregivers. Cooperative-employed, W-2, equity-vesting.

$28–$35/hr W-2
Family respite

An afternoon, a weekend

Adult-day adjacent. Memory care respite. Yard, pet, errands while you breathe.

$25–$30/hr
Advance directives

CareGoals + witness

A short conversation, a notarized document, stored on your ComfortCard.

Free with membership
The Cooperative Pension

$300K–$500K kept in your family.

Each marketplace category is a wealth-preservation lever. Together, over 30 years, they're the difference between a depleted estate and a real inheritance.

Lever
Traditional
Cooperative
Where Mom lives
Nursing home $108K/yr
At home $37K/yr
Adult-child caregiver
Opportunity cost −$300K–$500K
W-2 cooperative +$300K–$500K
The home
Medicaid spend-down
Preserved + HSA grows + member equity vests
30-year wealth
Lost $500K–$1.5M
Preserved $300K–$500K
Run the math for your family →

Modeled estimate. Anchored to Genworth Cost of Care, BLS, AARP Valuing the Invaluable, MetLife Mature Market Institute, and CMS Medicaid spend-down data. Empirical anchor study underway in the Boulder pilot — 12-month observed outcomes will validate or revise the 30-year projection. How we test this →

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