Life Adjustment Center Inc

Home health and personal care aides help people who are disabled, chronically ill, or cognitively impaired. They also help older adults who may need assistance. They help with activities such as bathing and dressing, and they provide services such as light housekeeping. In some states, home health aides may be able to give a client medication or check the client's vital signs under the direction of a nurse or other healthcare practitioner.

Home health and personal care aides typically do the following:

• Help clients in their daily personal tasks, such as bathing or dressing
• Do light housekeeping, such as laundry, washing dishes, and  vacuuming in a client's home
• Organize a client's schedule and plan appointments
• Arrange transportation to doctors' offices or for other kinds of outings
• Shop for groceries and prepare meals
• Provide companionship

Aides often keep track of when a client's prescriptions need to be filled or when the client has his or her next doctor's appointment. Aides may prepare leisure activities, including exercise, to keep their clients active and healthy. They may go for walks with their clients or play games with them. In some states, home health aides may be able to provide some medical services. Aides may be expected to complete unpleasant tasks such as emptying a client's bedpan or changing soiled bed linens.

Some aides are hired directly by the client or the client's family. In these situations, the client or the client's family supervises the aide and gives the aide tasks to do.

Home health aides, unlike personal care aides, typically work for certified home health or hospice agencies that receive government funding and therefore must comply with regulations. They work under the direct supervision of a medical professional, usually a nurse. These aides keep records of services performed and of the client's condition and progress. They report changes in the client's condition to the supervisor or case manager. Aides also work with therapists and other medical staff.

Home health aides may provide some basic health-related services, such as checking clients' pulse, temperature, and respiration rate. They also may help with simple prescribed exercises and with giving medications. Occasionally, they change simple dressings, give massages, care for skin, or help with braces and artificial limbs. With special training, experienced home health aides also may help with medical equipment such as ventilators, which help clients breathe.

Personal care aides--also called homemakers, caregivers, companions, and personal attendants--provide clients with companionship and help with daily tasks in a client's home. They are often hired in addition to other medical health workers, such as hospice workers, who may visit a client's home. Personal care aides do not provide any type of medical service.

Direct support professionals work with people who have developmental or intellectual disabilities. They may help create a behavior plan, provide employment support, and teach self-care skills, such as doing laundry or cooking meals. They may also provide other personal assistance services.

Social and human service assistants help people get through difficult times or get additional support. They help other workers, such as social workers, and they help clients find benefits or community services.

Social and human service assistants typically do the following:

• Work under the direction of social workers, psychologists, or others who have more education or experience
• Help determine what type of help their clients need
• Work with clients and other professionals, such as social workers, to develop a treatment plan
• Help clients get help with daily activities, such as eating and bathing
• Coordinate services provided to clients by their or other organizations
• Research services available to their clients in their communities
• Determine clients' eligibility for services such as food stamps and Medicaid
• Help clients complete paperwork to apply for assistance programs
• Monitor clients to ensure services are provided appropriately

Social and human service assistants have many job titles, including case work aide, clinical social work aide, family service assistant, social work assistant, addictions counselor assistant, and human service worker. They serve diverse populations with a range of problems. Their work varies, depending on the clients they serve.

With children and families, social and human service assistants ensure that children live in safe homes. They help parents get the resources, such as food stamps or childcare, they need to care for their children.

With the elderly, workers help clients stay in their own homes and under their own care whenever possible. They coordinate meal deliveries or find personal care aides to help older people with day-to-day needs, such as doing errands or bathing. In some cases, human service workers help look for residential care facilities, such as nursing homes.

For people with disabilities, social and human service assistants help find rehabilitation services that aid their clients. They may work with employers to adapt positions to make them accessible to people with disabilities. Some workers find personal care services to help clients with daily living activities, such as bathing or making meals.

For people with addictions, human service assistants find rehabilitation centers that meet their clients' needs. They also find support groups or twelve-step programs. They work with people who are dependent on alcohol, drugs, gambling, or other substances or behaviors.

With veterans, assistants help people discharged from the military adjust to civilian life. They help with practical needs, such as finding housing and applying skills gained in the military to civilian jobs. They also help with navigating the overwhelming number of services available to veterans.

For people with mental illnesses, social and human service assistants help clients find resources to cope with their illness. They find self-help and support groups to provide their clients with an assistance network. In addition, they help those with more severe mental illnesses care for themselves by finding personal care services or group housing.

With immigrants, workers help clients adjust to living in a new country. They help clients locate jobs and housing. They also may help clients find programs that teach English, or they may find legal assistance to help immigrants get their paperwork in order.

With former prison inmates, human service assistants help clients re-enter society by finding job training or placement programs. Human service assistants help former inmates find housing and connect with programs that help them make a new life for themselves.

With homeless people, assistants help clients meet their basic needs. They find temporary or permanent housing. They find places, such as soup kitchens, that provide meals. Human service assistants also help homeless people find facilities for other problems they may have, such as joblessness.

Fire inspectors visit and inspect buildings and other structures, such as sports arenas and shopping malls, to search for fire hazards and to ensure that federal, state, and local fire codes are met. They also test and inspect fire protection and fire extinguishing equipment to ensure that it works. Fire investigators determine the origin and cause of fires by searching the surrounding scene and collecting evidence.

Fire inspectors typically do the following:

• Search for fire hazards
• Ensure that buildings comply with fire codes
• Test fire alarms, sprinklers, and other fire protection and extinguishing equipment
• Inspect equipment such as gasoline storage tanks and air compressors
• Review emergency evacuation plans
• Conduct follow-up visits when an infraction is found
• Confer with developers and planners to review plans for residential and commercial buildings
• Conduct fire and life safety education programs
• Keep detailed records that can be used in a court of law

Fire investigators typically do the following:

• Collect and analyze evidence
• Interview witnesses
• Determine the origin and cause of a fire
• Process and document evidence, such as photographs and diagrams
• Reconstruct the scene of a fire or arson
• Confer with other specialists, such as chemists, engineers, and attorneys, to analyze information
• Send evidence to laboratories to be tested for fingerprints or an accelerant
• Keep detailed records that can be used in a court of law
• Testify in civil and criminal legal proceedings

Unlike fire inspectors, many fire investigators have police powers and carry a weapon.

Forest fire inspectors and prevention specialists assess fire hazards in both public and residential areas. They look for issues that pose a wildfire risk and recommend ways to reduce the fire hazard. During patrols, they ensure that the public is following fire regulations and report fire conditions to central command.

Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much.

Claims adjusters, appraisers, examiners, and investigators typically do the following:

• Investigate, evaluate, and settle insurance claims
• Determine whether the insurance policy covers the loss claimed
• Decide the appropriate amount the insurance company should pay
• Ensure that claims are not fraudulent
• Contact claimants' doctors or employers to get additional information on questionable claims
• Confer with legal counsel on claims when needed
• Keep claims files, such as records of settled claims and an inventory of claims requiring detailed analysis
• Negotiate settlements
• Authorize payments

What insurance adjusters, examiners, and investigators do varies by the type of insurance company they work for. They must know a lot about what their company insures. For example, workers in property and casualty insurance must know housing and construction costs to properly evaluate damage from floods or fires. Workers in health insurance must be able to determine which types of treatments are medically necessary and which are questionable. 

Some claims adjusters work as self-employed public adjusters.

Often, they are hired by claimants who prefer not to rely on the insurance company's adjuster. The goal of adjusters working for insurance companies is to save as much money for the company as possible. The goal of a public adjuster working for a claimant is to get the highest possible amount paid to the claimant.

Sometimes, self-employed adjusters are hired by insurance companies in place of hiring adjusters as regular employees. In this case, the self-employed adjusters work in the interest of the insurance company.

Adjusters inspect property damage to determine how much the insurance company should pay for the loss. The property they inspect could be a home, a business, or an automobile.

They interview the claimant and witnesses, inspect the property, and do additional research, such as look at police reports. Adjusters may consult with other workers, such as accountants, architects, construction workers, engineers, lawyers, and physicians, who can offer a more expert evaluation of a claim.

They gather information--including photographs and statements, either written or recorded audio or video--and put it in a report that claims examiners use to evaluate the claim. When the examiner approves policyholder's claim, the claims adjuster negotiates with the claimant and settles the claim.

If the claimant contests the outcome of the claim or the settlement, adjusters work with attorneys and expert witnesses to defend the insurer's position.

Appraisers estimate the cost or value of an insured item. Most appraisers who work for insurance companies and independent adjusting firms are auto damage appraisers. They inspect damaged vehicles after an accident and estimate the cost of repairs. This information then goes to the adjuster, who puts the estimated cost of repairs into the settlement.

Claims examiners review claims after they are submitted to ensure that proper guidelines have been followed by claimants and adjusters. They may assist adjusters with complicated claims or when, for example, a natural disaster occurs and the volume of claims increases.

Most claims examiners work for life or health insurance companies. Examiners who work for health insurance companies review health-related claims to see whether the costs are reasonable, given the diagnosis. After they review the claim, they authorize appropriate payment, deny the claim, or refer the claim to an investigator.

Examiners who work for life insurance companies review the causes of death and pay particular attention to accidents, because most life insurance companies pay additional benefits if a death is accidental. Examiners also may review new applications for life insurance policies to make sure the applicants have no serious illnesses that would make them a high risk to insure.

Insurance investigators handle claims in which the company suspects fraudulent or criminal activity such as arson, staged accidents, or unnecessary medical treatments. The severity of insurance fraud cases varies, from claimants overstating vehicle damage to complicated fraud rings. Investigators often do surveillance work. For example, in the case of a fraudulent workers' compensation claim, an investigator may covertly watch the claimant to see if he or she does activities that would be ruled out by injuries stated in the claim.