Family Hearth Co‑op builds digital family caregiver cooperatives that claim existing public benefits on behalf of members and deliver care directly, keeping only an 8–15% cooperative take instead of the 40–50% retained by traditional agencies. The service handles all paperwork—including founding documents, benefit scans, and mutual ledger management—while members receive a real primary‑care relationship with no copays or prior authorizations. By structuring care as a cooperative, more dollars stay with families and the community.
Funding
Funding not disclosed
Founders
Product
Problem
Many families qualify for public benefits that can fund caregiving, yet they lack a simple way to claim and manage these resources, resulting in high agency fees and fragmented care coordination.
Solution
Family Hearth Co‑op offers a digital cooperative platform that identifies eligible public benefits, handles all enrollment paperwork, and routes the majority of funds—only an 8–15% co‑op take—directly to the family’s care budget. The platform provides direct primary‑care access through a member‑owned physician, a mutual‑aid pool for emergencies and end‑of‑life support, and tools for care planning such as advance‑directive storage and HSA eligibility letters. By structuring the service as a member‑owned co‑op, caregivers earn fair wages, retain equity, and participate in governance, while families benefit from lower costs, continuity of caregivers, and a coordinated network of neighbors offering skill‑based support.
Target Audience
Primary users are family caregivers and their loved ones who qualify for public home‑care benefits, as well as community members who wish to offer caregiving services within a cooperative framework.
Features
- Automated benefits discovery and enrollment handled by informed agents, eliminating paperwork for families
- Low co‑op take rate (8–15%) versus traditional agency fees (40–50%), ensuring more dollars reach the household
- Direct primary‑care relationship with a physician on the co‑op team, providing no‑copay, no‑prior‑auth services and LMN documentation for HSA/FSA eligibility
- Mutual‑aid pool that funds home modifications, hospice support, and emergency care, managed under a fraternal benefit structure
- Caregiver employment model with $26 /hr wages plus equity, 15% turnover, and worker‑owner voting rights
- Community skill‑matching platform that connects families with neighbors for tasks such as meals, transport, companionship, and clinical assistance
- ComfortCard Apple‑Wallet identity that stores advance directives, care preferences, and provides priority access to the local caregiver grid