SilverBills: A Financial and Legal Tech Tool for Caregivers

Financial and legal management for persons with dementia (PwD) is a crucial responsibility of caregivers. This responsibility adds to the stress and strain of caregiving. Current technology tools that help with bill management and budgeting often require a high degree of technical expertise and provide an insufficient degree of personal support to address the caregivers' needs. Current approaches to financial management are typically aimed at technologically savvy millennials rather than caregivers. Additionally, these approaches do not address the need for safe and accessible storage of legal documents. Thus, the current solutions available for these tasks are a mismatch for caregivers. The investigators will address the lack of effective financial management and legal support for caregivers of PwD. Using proprietary technology, SilverBills receives, scrutinizes, stores, and pays bills on behalf of clients. The goal of this project is to decrease the stress and strain on caregivers of PwD, by providing a simple, safe, and effective financial and legal management tool. The investigators aim to build an easy to use, customizable, client facing application for caregivers to direct the financial activities of PwD. In addition, The investigators will enhance the capabilities of the application to reconcile banking information, detect fraud, secure data, provide enhanced reporting capabilities and provide further budgeting and planning functionality. Finally, in collaboration with researchers from the University of Denver, The investigators will assess caregiver burden and physical, financial, and emotional distress. The team supporting Silverbills V2 includes expertise in elder law, business development, Ruby on Rails software engineering, financial security and cognitive health, caregiving, research design and statistics. The work proposed should demonstrate that the SilverBills V2 product will: 1) Provide a financial management tool which includes a messaging system and vault of critical documents for caregivers of PwD and/or older adults, and 2) Evaluate the effectiveness of our product to decrease caregiver stress and increase caregiver quality of life. This team will support the rigorous scientific validation which will potentially provide evidence of our innovation and support this critical work to provide technological tools for financial and legal management to caregivers of PwD.

Research has demonstrated that education, information and support improve caregiver wellbeing, improve their mental health, and delay the need to move the persons with dementia (PwD) to along-term care setting. Caregivers are often responsible for managing the legal and financial affairs for PwD. This responsibility adds to the stress and strain of caregiving. The SilverBills client-facing application provides an easy to use, efficient financial and legal management tool to caregivers, decreasing caregiver burden. In order to assess the effectiveness of the SilverBills tool, the investigators will measure caregiver burden as well as mental, physical and financial health (baseline and post-intervention).

Research Questions:

1. What are the effects of a client-facing application on the primary outcome (caregiver burden) between baseline (T1) and end (T2) of the study?
2. What are the effects of a client-facing application on the secondary outcomes (mental, physical, and financial health) between T1 and T2?
3. What are the moderators of the effects of client-facing application on the primary outcome and secondary outcomes between T1 and T2?

To achieve the aims of this proposal, recruited participants will remotely and electronically (via Qualtrics data collection software) provide informed consent for research. Participants will be recruited as detailed in the recruitment and retention plan. Participants will meet the following screening criteria: a) Participants must be caregivers aged 18 or above; b) participants must be caregivers of people with dementia; and c) participants are able to provide consent without the aid of another individual.

Participants will complete two surveys at two different time intervals. The first survey will take place at the outset of the research study when the participants are enrolled (T1). The second and final survey will be administered 6 months after the start of the study (T2). The entirety of the data collected throughout this project will be converted into password-protected files (e.g. xlsx), which will be stored in secured electronic platforms (i.e. password-protected OneDrive) that only select team members will have access to. Survey items will be multiple choice and should take respondents no more than 15-20 minutes to complete.

Eligibility Criteria:
Inclusion Criteria:

* 18 years or older
* Provide care for an individual with Dementia

Exclusion Criteria:

* Age \<18
* Lack of cognitive capacity to independently consent and complete participation (i.e., one who would require an informant)