co-op.care · immediate reimbursement

The math behind the offer

Calculate your immediate reimbursement.

The work you're already doing has three honest dollar values: the labor itself, the preventative cost savings it generates, and the immediate reimbursement the Hearth Mutual is designed to pay you back today. Pick your situation; watch the numbers move.

01 · your situation

Two questions. Numbers move live.

Hours of caregiving per week

What kind of care, mostly?

02 · the simple answer

Your hour is worth

$3.08 /hr · today

Per week

$62

Per month

$267

Per year

$3,200

Paid back to you on your ComfortCard, throughout the year — not at retirement, not at year-end. Simple measure: hours given × your per-hour rate.

Where the number comes from +

Labor value: $26,000/yr · the work itself at $35/hr — the cooperative's standardized time-bank rate, roughly twice the relevant minimum wage and approximately 2× the median home health aide rate (BLS / Genworth 2024). This is what we believe the work is worth, not what the lowest bidder will pay for it.

Preventative cost savings: $32,000/yr · the actuarial value of what your work prevents — institutional admissions, ER visits, falls, medication errors.

Reimbursement target: ~10% of preventative savings, vested as patronage from the Mutual aid pool, pending actuarial sign-off. Per-hour rate = annual reimbursement ÷ annual hours given.

Your story, in plain language

You give about 20 hours a week — roughly 1,040 hours a year. At median in-home aide rates, that's $26,000 of labor you've been giving away.

But those hours prevent something. The fall that doesn't happen because someone watches the step. The medication that gets taken because someone reminds. The wound that gets caught early because someone looks. The ER visit that doesn't become an admission.

The actuarial value of those prevented events is real. For your situation: roughly $32,000 a year in avoided institutional care, ER costs, and downstream medical expense. The co-op pays a fraction of that back to you — today, on your ComfortCard. Not at the end of life. Not at year-end. Throughout the year, as you do the work.

03 · the ledger

What gets tracked, once you're in.

A small preview of the running ledger every member sees. Hours given. Avoided costs estimated. Immediate reimbursement applied. Honest receipt every week.

Sample week · for someone like you PREVIEW

Mon

Med check + breakfast + walk

3.5 hrs

$22

Tue

Ride to appointment + sitting

4.0 hrs

$25

Wed

Evening company + meal

2.5 hrs

$16

Thu

Wound check + paperwork

2.0 hrs

$13

Fri

Bath + medication setup

3.0 hrs

$19

Sat

Family day + grocery

3.5 hrs

$22

Sun

Quiet morning + meal prep

1.5 hrs

Week total · 20.0 hrs given Reimbursement projected: $127

Stated plainly

What is estimated · what is settled

These numbers are actuarial estimates of the proposed Hearth Mutual structure. Time-bank labor reference rate $35/hr — the cooperative's standardized value for an hour of care, roughly 2× the relevant minimum wage and approximately 2× the median home-health-aide rate (BLS / Genworth Cost of Care 2024). Preventative-savings ranges synthesized from peer-reviewed literature on delayed institutionalization, fall prevention, and medication adherence. Reimbursement target ~10% of preventative savings is the cooperative's design choice, pending actuarial sign-off and state insurance department review of the Mutual's bylaws. Actual payouts will depend on the pool's reserves, the audited prevention math, and the cooperative's surplus that year. The honest scope is on /mutual.

Start tracking this for real — your family co-op.

The numbers above are an estimate. The ledger above is a preview. The thing that turns both into real reimbursement on your ComfortCard is becoming a member-owner.

Start my family co-op →