What are the Program Upgrades that everyone is talking about?

-Upgrades include: 

*FREE Consultation to cover members' and parents' Bill for their child(ren) up to to 48 months!

*Parents receive 'Payment Protection' for other household bills as long as they pay their childcare fees!

*Bills can be directly deposited to families' account or can by paid on behalf of families.

*Parents' children can be covered up to 12th grade and through college graduation. 

*Parents' credit is not consideration to receive "Payment Protection".

*Ultimately, Parents can have multiple "Payment Protection" plans, simultaneously! 

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How exactly does this  program work for me and my family?

-Here is a scenario:  1] A family whose  weekly childcare fee is $300.00 joins Paycare Program to protect this payment.

                                     2] 12-month membership is completed and the bill amount + $40.42 monthly premium is paid, to initiate services.

                                     3] The family is now covered and continues to pay their weekly childcare bill, as normal.

                                     4] In month #5 of the family's 12-month membership, an unexpected financial challenge occurs.

                                     5] Once a claim is filed, the $300.00 can be directly deposited in the family's account or paid on their behalf.

                                     6] Once the family is able to make that payment, they can access coverage for that bill in the future.

                                     7] In month #12, the family's deposit will be used to pay their childcare $300.00 bill, giving the family a payment-fee week!

                                      *Note: The family pays only $40.42/month and had their $300.00 bill covered, and can access to future assistance!

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What are the interest rates if I need more than 12 months?

-ALL members and families choose 'Payment Protection' for bills they normally pay, with no-interest. 

 

My pay history is weak so can I get a "Pay Incentive" to pay my child’s bill?

-Yes! We can help all members and parents as long as their information is verifiable since our Paycare Program is not credit-based!  Again, your credit score can be as low as 500.

 

What if I prefer 1-time assistance for my family?

-Paycare Program is designed for long-term commitment between our office and our families.  For example, we 'Payment Protect' a child up to 12th grade and can continue through college graduation. We 'Payment Protect' families other household bills during their 12-month membership, which automatically renews each year.  Paycare Program invests long-term with families to ensure the success stories of children everywhere.

-One-time-assistance requests will be forwarded to 2-1-1 for access to local assistance.

 

Does my membership cover all my children in my household?

-No! Paycare membership type is per child with no set limit to the number of "Pay Incentives" which can be paid for that specific child over the course of the 12-month membership period. There is no limit on the # of facilities which can be paid for each child.

-Please note: All caregivers are able to join, also.

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Once I join, does my facility also have to be a member?

-No! If the facility is not a member, we will still help you or your family, but payment will be directly deposited into your account. 

*No Worries! We can typically get the facility set up within a day or so, once we inform them we are prepared to

  pay your and any other parent's bill directly to them!

 

Is there anyone that Paycare Program cannot help?

-While our program is wonderful, we have primarily focused on parents and/or caregivers of children (childcare, grade school & college),

  across the United States.   As always, our members/parents/families can typically meet their obligations, are experiencing a temporary

  financial challenge, and need assistance on a 'from-time-to-time' basis, during their 12-mo membership period.

 

 However, Paycare Program  is not set up to assist families in need of on-going assistance.

 

​What exactly is a "Pay Incentive"?

-The Support Payments provided to members/parents/families and businesses/facilities, via our Paycare Program, which function to prevent and avoid late payments because payments are protected and can be paid (up to 100%), on behalf of families, to address their obligation(s) should the families become temporarily unable to do so.   We now PREVENT the worst-case scenario from happening, in the first place!

-A "Pay Incentive" is not a loan!  We offer 0% interest, we work with any credit score, and we allow any income source. No Loan Does That!

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Is there anything else I should know?

-Yes!    1]Members must remember to join before they have a need; Similar to insurance, "Be sure to get it before you need it"!

             2]Members/Parent/Families receive a FREE Paycare card which allows continued access to "Pay Incentives" during your                                                   membership!

             3] Members/Parents/Families also have the option to access multiple "Pay Incentives", simultaneously, on a case-by-case basis!

             4]Members/Parents/Families can also enjoy 'Payment Protection' for other household expenses as long as they pay their childcare fees.

                 "Payment Protection" will cover a family's child up to 12th grade and through college graduation if a child chooses to go to college!

             5]In 2026, website visitors will be introduced to "How We Care @ Paycare" which is a monthly podcast focusing on families, children, 

                 and how our services provide support to both!

             6] The first 100 families to join Paycare in 2026, will be entered into a drawing to win a 3-day, 2-night Private Yacht cruise for their family!!