Care Credits

Build the care you want.
Decades before you need it.

Care Credits let you invest in your own care infrastructure while you're young, healthy, and choosing — not when you're in crisis and someone else is deciding.

See how it works
$25–28/hr
Caregiver Wages W-2
1%
Equity Per Swipe
50
States Covered
Worker-Owned
Cooperative Model
HSA/FSA
Eligible via LMN
Your journey

A lifetime of care, built one month at a time

Most people start thinking about aging care in a crisis. Care Credits let you start decades earlier, when every choice is still yours.

35
Start contributing. Choose your community. Tell your story.
You join for $150 a month. Maybe your parents are getting older and you are starting to think about what comes next. You complete your advance care plan through CareGoals. You earn your first wellness credits. The account is small. The relationship has begun.
72 credits / year
45
Your profile is a decade deep. Use credits for PT, yoga, counseling.
Your cooperative knows you. You have used a few credits for physical therapy after a knee strain. Your JointCoach exercise compliance earned bonus credits. Your mom joined too, and you referred three neighbors. Your balance is growing faster than you spend it.
920+ credits banked
55
Twenty years of relationship with your cooperative. Fifteen thousand credits banked.
You increased your contribution to $250 a month at fifty. You have earned referral credits, volunteered in the Time Bank, and kept your advance directive current. You have a relationship with your community that no insurance company could replicate. Your credits have earned patronage dividends every year.
2,100+ credits banked
65
Medicare kicks in. HSA optimization. Credits cover what Medicare doesn't.
Medicare handles the big things. Your Care Credits handle everything else: the companion who drives you to appointments, the home modifications that keep you safe, the respite care that gives your daughter a weekend off. Your physician has known you for thirty years. There are no forms to fill out.
3,000+ credits banked
75
You need help in the mornings. Your caregiver knows your name, your coffee, your garden.
Three mornings a week, Maria arrives at eight. She has been your caregiver for two years. She knows you take your coffee black, that the garden needs watering before nine, that Tuesdays are harder since David passed. She earns $28 an hour, owns equity in the cooperative, and is not leaving. Because she is not a contractor sent by an agency. She is a worker-owner building the same thing you are.
Using ~12 credits/week
85
Full care activated. You are home. Your family is not burned out. You chose this.
Credits plus Medicare plus your HSA cover everything. Your daughter is not drowning. Your death doula is someone you chose two years ago. Your voice stories are recorded. Your advance directive is clear, and the people around you have read it. When the time comes, it will not be a stranger in a fluorescent hallway making decisions for you. It will be your people, in your home, honoring the plan you wrote when you were fifty-five and clear-eyed and unafraid.

"The best time to plan for aging is when you're young enough to choose. The second best time is today."

How credits work

Simple as it sounds

One credit equals one hour of care. Earn them many ways. Spend them on anything in the cooperative. Keep them forever.

Earn
$150/month = 6 credits
  • Monthly contribution builds your account
  • Refer a friend: 10 credits
  • Volunteer in the Time Bank
  • Stay active with JointCoach
  • Complete your advance care plan
  • Be a caregiver yourself
Spend
On anything that keeps you home
  • Companion care hours
  • Skilled nursing and therapy
  • Home safety modifications
  • Medical equipment
  • Transportation to appointments
  • Respite care for your family
  • Death doula and legacy preservation
Keep
Credits never expire
  • Accumulate for decades
  • Transfer to family members
  • Earn patronage dividends annually
  • Donate to the hardship fund
  • Cash out after 5 years (at 60%)
  • Your credits. Your choice. Always.
The math

Two ways to pay for aging care

One makes shareholders rich. The other builds a community.

Traditional Insurance
Pay a company.
Hope they pay you back.
Paid over 20 years $100,000
Who decides your care Insurance company
Claim denial rate 25 – 35%
Premium increases 40 – 60% over policy life
If you never need care Money gone
Surplus goes to Shareholders
vs
Care Credits
Build a community.
The care is already there.
Contributed over 30 years $54,000
Who decides your care You + your physician
Claim denial rate 0%
Rate increases Capped by member vote
If you never need care Transfer to family
Surplus goes to Back to you
Cooperative economics

Your money stays in your community

Every dollar you contribute circulates through the cooperative and comes back to you and your neighbors.

Members contribute monthly
100 families at $150 a month create a $15,000 monthly care pool. Only 20-30% are actively using services at any time. The rest are building reserves.
$15,000 / month into the pool
Caregivers earn a living wage
W-2 employees. $28 an hour. Health benefits. And equity in the cooperative they are building. That is why turnover drops from the industry's roughly 64% to roughly 30%. That is why your caregiver stays.
$28/hr + cooperative equity
Care is delivered in your home
Companion visits. Skilled nursing. Home modifications. Transportation. Every interaction is documented through the Sage clinical system, producing outcomes data that no facility can match.
Surplus flows back to members
After expenses, cooperative surplus is split: 40% to the reserve fund, 40% returned as patronage dividends to members, 20% to caregiver worker-owners. No shareholders. No extraction. The money stays.
~$2,200/month surplus at 100 members
The reserve fund grows every year
Year 1: $10,000. Year 5: $396,000. Year 10: over $1 million. This reserve is the foundation for supplemental age-in-place coverage that no insurance company can underwrite as well as we can — because we have the data from inside the home.
Your wallet

ComfortCard is your wallet

One card. Three balances. Everything you need to pay for care, in one place. Tap to pay. Pre-tax when possible. No paperwork.

  • Care Credits — hours of care you have earned and saved
  • HSA Balance — pre-tax dollars from your employer health plan
  • Care Account — after-tax deposits, dividends, employer contributions
  • Apple Pay and Google Pay compatible
  • Monthly tax-ready statements generated automatically
ComfortCard
co-op.care
Care Credits 1,247 hrs
HSA Balance $8,340
Care Account $2,100
Margaret Chen
COOP-0847

Start building your care

You do not have to wait until you need help to build the system that will be there when you do. Join the waitlist. We will tell you when Care Credits are live in your area.

No spam. We will only write when there is something real to share.

Thank you. We will be in touch when Care Credits launch in your area.
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