Texas Senior Care and Housing Directory
Texas Senior Care and Housing Directory
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Senior Care Providers Serving Corpus Christi, Texas


Encompass Home Health and Hospice - Corpus Christi, TX
Encompass Home Health and Hospice - Corpus Christi, TX
5656 South Staples Road, Suite 302, Corpus Christi, TX   Map it! Map it!
Encompass Home Health and Hospice is a Medicare and Medicaid certified home health agency serving Corpus Christi, Texas dedicated to providing the highest quality of innovative skilled nursing, therapy and hospice care services to patients. Our broad range of services includes: diabetes management, skilled nursing, PT / OT, speech-language pathology, medical social services, home health aides and the coordination of medical supplies and equipment and hospice care. Our compassionate hospice care is provided in the patient’s home, where ever 'home' is. Contact the Encompass Home Health and Hospice Corpus Christi office today. Address: 5656 South Staples Road, Suite 302, Corpus Christi, TX 78413. MORE DETAILS >>

Texas 55 Plus Apartment Communities
55 Plus Apartment Communities - Are They Right For You?
What are 55 apartment communities? Also referred to as an age-restricted community, a 55 plus apartment community is a residential complex for residents aged 55 and older only. There are multiple benefits to living in an age-restricted community, but they are for everyone? Your neighbors are your peers. You'll be living near other people similar in age to you and similar in terms of their stage in life. Ideally, that means you'll be around loads of people you have something in common with, people you can interact, socialize, and enjoy life with. Activities and events. Many 55 plus communities work specifically to promote an active lifestyle by offering a full schedule of events and activities for residents. MORE DETAILS >>

What is Aging in Place
Aging in Place at Home
What is aging in place? Aging in place is a term used to describe a person living in the residence of their choice, for as long as they are able, as they age. This includes being able to have any services (or other support) they might need over time as their needs change while maintaining their quality of life. Most people would prefer to grow old while staying comfortable and independent in their own homes to 'age in place'. However, many people wind up selling their homes and moving into some form of assisted living often despite their wishes. One reason for this is that modern American homes are rarely designed with seniors in mind. MORE DETAILS >>

Affordable Senior Housing in Texas
Article: About Texas Affordable Senior Housing
Finding affordable housing in Texas can be difficult for people of all ages, but it can be a particular challenge for Texas seniors. Luckily, there are resources available that could help you or a loved one find affordable senior housing in Texas. Here are a few resources that could be of help: Texas Senior Housing Tax Credit Program - Imagine waking up in your beautifully appointed apartment home and taking a leisure stroll around the impeccably landscaped grounds and natural pond. Or, enjoying a refreshing dip in a pristine swimming pool after an work-out in the fitness studio. It's now possible with monthly rentals often starting at just $650.00 / mo. MORE DETAILS >>

Benefits of Hiring a Geriatric Care Manager
Article: Benefits of Hiring a Geriatric Care Manager
Most people hire geriatric care managers when their elderly loved one’s health care needs change, when they need a more in-depth level of care, and when they need guidance about making the next step. Many are hired through agencies; the one you hire should be a member of the National Association of Professional Geriatric Care Managers (NAPGCM) and certified to work as a geriatric care manager. Here are some benefits of hiring a Geriatric Care Manager: INFORM YOU ABOUT YOUR OPTIONS: Part of a geriatric care manager’s job is educating the elderly and their family members and caretakers about your options. It can be extremely difficult to make a decision about housing, healthcare, and in-home care if you don’t have an in-depth knowledge of the elder care landscape in your area. MORE DETAILS >>

Medicare and Hospice Benefits
Article: Medicare and Hospice Benefits
Hospice is a special way of caring for people who are terminally ill, and for their families. This care includes physical care and counseling. The goal of hospice is to care for you and your family, not to cure your illness. Hospice is a program of care and support for people who are terminally ill. The Texas Department of Aging and Disability Services (DADS) Regulates and Licenses Texas Hospice programs. Hospice is a program of care and support for people who are terminally ill. Here are some important facts about hospice. MORE DETAILS >>

What is Hospice? What is Palliative Care?
Article: The Difference Between Hospice and Palliative Care.
HOSPICE CARE is a special health care option for patients and families who are faced with a terminal illness. A multidisciplinary team of physician, nurses, social workers, bereavement counselors and volunteers works together to address the physical, social, emotional and spiritual needs of each patient and family. PALLIATIVE CARE is medical care provided by physicians, nurses and social workers that specializes in the relief of the pain, symptoms and stress of serious illness. The hospice team provides care to patients in their own home or a home-like setting regardless of the patient’s age or ability to pay. Hospice care is a covered service under Medicare Part A. Most insurance companies have hospice benefits. MORE DETAILS >>

Finding a Care Manager and Questions to Ask.
Article: What is a Geriatric Care Manager?
What is a Geriatric Care Manager? A geriatric care manager may be a social worker, nurse, gerontologist, counselor, or other professional. Geriatric care management (GCM) provides assistance for you and your loved one in finding resources, making decisions, and managing stress. Finding the the right geriatric care manager can be difficult. Consumers often do not know exactly what kind of help they need, how to find and arrange for services, and how much they must pay for services. Persons with low incomes may be able to turn to a local state agencies or a nonprofit social service agency for help. A different option has become available in recent years for people whose incomes are too high for publicly funded services - hiring a private geriatric care manager. MORE DETAILS >>

Benefits of In Home Senior Care
Benefits of In Home Care
The benefits of in home senior care simply helps seniors and the elderly remain at home longer. Home care is suitable for the chronically ill, disabled, someone recovering from surgery or someone who just needs a little assistance to remain in their home vs. moving to a senior care facility. It's often a lot more affordable too. In home senior care can include services such as: homemaker services such as light housekeeping, companionship, card playing, taking walks, or simply reminiscing. RESPITE RELIEF for family, transportation, medication reminders, activities and more may also provided. Most offer specialized training in caring for individuals with Alzheimer’s or Parkinson’s as well as Hospice. MORE DETAILS >>

Cremation vs. Burial: Pros and Cons
Burial vs. Cremation
Whenever there is a death in the family, the survivors find themselves in a dilemma as whether they should opt for cremation or burial. If the wishes of the deceased are known, then there is nothing to worry about. But things can become really difficult if the decisions are to be made by the surviving members. The idea that burial is the only option for internment is an outdated one. Cremations have become vastly more popular in recent years; in some areas of the United States, they are more common than traditional burials. Both options have their advantages and drawbacks. However—here are a few things to consider. MORE DETAILS >>

The Differences Between Home Care and Home Health.
Differences Between Home Care and Home Health.
They sound similar—but they provide very different services. Home health care and non medical in-home care can be quite different in terms of the help provided, the costs, resources, and other factors that could have an effect on which one you choose. Here’s an overview about the differences between home care and home health. HOME HEALTH CARE is medical care provided in the home by a nurse, physical therapist, or other licensed medical professional. Usually, the person providing the care can only provide what’s been prescribed by a doctor. NON MEDICAL IN-HOME CARE does not involve medical care; it is usually provided by professional caregivers without a medical license, although it can also be provided by family members. This type of care is not covered by Medicare. MORE DETAILS >>

Georgetown Mortgage - Your Texas Reverse Mortgage Specialist
Georgetown Mortgage - Your Texas Reverse Mortgage Specialist
Serving the State of Texas, TX
A reverse mortgage with Georgetown Mortgage can be an effective tool for providing seniors additional cash by using the equity in their home. A reverse mortgage can give retirees the financial self-sufficiency necessary to stay at home and live independently. They are financial tools that help seniors supplement their retirement income by turning a portion of the equity in their home into tax-free cash. “When you're on a fixed income and you own your house...it's a godsend.” Find out if you qualify for a reverse mortgage. Contact King Cole, a Reverse Mortgage Loan Originator with Georgetown Mortgage - Your Texas Reverse Mortgage Specialist today! MORE DETAILS >>

Hiring a Certified Elder Law Attorney
Hiring a Certified Elder Law Attorney (CELA)
When it comes to dealing with legal issues that affect the elderly, having a lawyer on your side is important. It’s a broad and very important specialty, but anyone can claim to specialize in elder law. A Certified Elder Law Attorney (CELA), however, has to pass a rigorous series of requirements in order to attain certification. Certification requirements include: Experience practicing as an attorney for at least five years with a focus on elder law for at least three. Passing a specialized exam with a focus on legal issues that affect the elderly. A peer review from five practicing attorneys. Continuing education to keep up with the latest changes in elder law. Elder law can cover a wide range of issues. MORE DETAILS >>

Find Respite Care Providers by Texas Region
How Adult Day Centers Offer Respite for Dementia Caregivers
Respite care provided by adult day care centers is ideal for caregivers needing respite (a break) for themselves when caring for a loved ones with Alzheimer's. Does your loved one have dementia or Alzheimer's? Were they recently diagnosed? If a loved one is diagnosed you do not have to immediately rush them into a full-time care facility. Consider care and services provided by adult day centers for individuals with Alzheimer's, memory loss or other types of impairment. For as long as possible, until their dementia gets to a point where they may need to be moved to a specialized Alzheimer's care facility, arranging for them to visit an adult day care center specifically for people with dementia just might be the answer. Adult day care centers are traditionally designed to support individual's with dementia, crafting activities that play to their abilities and strengths. MORE DETAILS >>

How To Choose a Texas Nursing Home
How To Choose a Texas Nursing Home
The Office of the Attorney General works with the Texas Department of Aging and Disability Services (DADS) to protect senior Texans and other residents of long-term care facillities (LTCs) from abuse, neglect, and exploitation. LTCs include nursing homes, intermediate care facilities for the mentally retarded (ICF/MR), and assisted living facilities (sometimes called personal care homes). DADS is the state agency charged with licensing and inspecting nursing homes. DADS also has authority to investigate alleged violations of state and federal nursing home standards. If upon investigation DADS has concerns about a licensed home, they may refer the investigation to this agency for enforcement. The Office of the Attorney General will act swiftly and aggressively to address violations referred by the DADS Long-term Care regulatory Section. How To Choose a Texas Nursing Home: MORE DETAILS >>

How to Choose Alzheimer's Memory Care Facility
Making the decision to put a loved one into an Alzheimer's and facility can be devastating. Sometimes a family member needs a supervised place for their loved one to stay during the day as they work or, as the disease progresses, it may be necessary to admit them into an assisted living facility that provides care for individuals with Alzheimer's or related dementia's full-time. Not every Alzheimer's and memory care facility is equipped to handle the very special needs and care of Alzheimer's and dementia patients. There are facilities that are certified by the state of Texas to provide care exclusively for individuals with Alzheimer's and related dementia's. What it Means to be 'Alzheimer's Certified' in Texas. MORE DETAILS >>

How to Choose an Assisted Living Facility in Texas.
How to Choose an Texas Assisted Living Facility
Do you know how to go about choosing the right assisted living facility for a loved one? Do you understand how assisted living licensing requirements in Texas are determined, as they differ from state-to-state? Assisted living facilities provide individualized health and personal care assistance in a homelike setting with an emphasis on personal dignity, autonomy, independence and privacy. The Assisted Living Federation of America defines assisted living as a long-term care option that combines housing, support services and health care, as needed. Assisted living is designed for individuals who require assistance with everyday activities such as meals, medication management or assistance, bathing, dressing and transportation. MORE DETAILS >>

Paying for Long Term Care
How to Pay for Nursing Home Care
There are many ways you can pay for nursing home care. Most people who enter nursing homes begin by paying for their care out-of-pocket. As you use your resources (like bank accounts and stocks) over a period of time, you may eventually become eligible for Medicaid. Medicare generally doesn't cover long-term care stays (room and board) in a nursing home. Also, nursing home care isn't covered by many types of health insurance. However, don't drop your health care coverage (including Medicare) if you're in a nursing home. Even if it doesn't cover nursing home care, you'll need health coverage for hospital care, doctor services, and medical supplies while you're in the nursing home. There are several other ways you can pay for nursing home care. MORE DETAILS >>

Texas Long Term Insurance Agent Kim Beckham
Kim Beckham, A Texas Long Term Care Insurance Agent
Think you’ll never need long term care? Studies show that more than 60% of people over 65 will need some type of long term care. Kim Beckham is a leading long term care insurance agent with ACSIA Partners, one of the largest long term care insurance agencies in the nation, helping families prepare for the future through the expert advice of thousands of planning specialists. Kim will work with you to help you determine your personal needs, based upon your health and your financial goals. If long term care insurance is right for you, Kim will help you find the best, most affordable policy for your situation. MORE DETAILS >>

Find a Personal Care Home by Texas Region
Licensing Requirements for Texas Personal Care Homes
A personal care home is a private residences that offer personal care services, assistance and supervision to four or more persons. Personal care homes offer a smaller, more intimate setting, ideal for persons who might not do well with the larger assisted living facilities. They are generally located in quiet residential neighborhoods and typically provide meals, laundry, housekeeping, medication supervision, assistance with activities of daily living and activity programs. All personal care homes in Texas, which provide services of a personal care nature to four or more persons unrelated to the owner, must be licensed under the Texas Department of Aging and Disability Services (DADS) licensure requirements. There are two types of licensure - Type A and Type B. MORE DETAILS >>

LifeSpan Home Health San Antonio, Austin, Dallas, El Paso and Corpus Christi
LifeSpan Home Health
San Antonio, Austin, Dallas, El Paso, Corpus, TX
LifeSpan Home Health serves families throughout San Antonio, Austin, Dallas, El Paso and Corpus Christi with both long and short-term needs. LifeSpan Home Health is a provider with over 75 years of home healthcare management experience offering the highest quality outcomes for their patients. LifeSpan provides what you and your family need to stay healthy and active in your community and in your home including skilled nursing services and in home senior care (Personal Assistant Services). Lifespan accepts and works with most insurance carriers and is Medicare Certified. Lifespan is also BBB Accredited with an A+ Business Rating. CHAP Accredited - Private Duty rates as low as $13.50/hr. Contact LifeSpan Home Health today! MORE DETAILS >>

Texas Long Term Care Insurance Resources
Long Term Care Insurance - What Are the Benefits
There are many benefits of long term care insurance. The phrase "long-term care" refers to the help that people with chronic illnesses, disabilities or other conditions need on a daily basis over an extended period of time. The type of help needed can range from assistance with simple activities (such as bathing, dressing and eating) to skilled care that's provided by nurses, therapists or other professionals. Roughly 1.4 million Americans are living in nursing homes today. Nursing home care is costly ranging from $10,000 to $15,000 a month when paid for privately. And did you know, Medicare doesn't pay for 'long term' nursing home care. Another good reason long term care insurance should be part of your financial plan. MORE DETAILS >>

Texas Medicaid Look Back Period.
Medicaid Asset Protection and Spend Down
What is Medicaid Asset Protection? Medicaid Asset Protection is planning for protection from Medicaid "spend-down" requirements, typically through legal maneuvering provided by irreversible trusts - recently outlawed by Congress except under very specific conditions. What is Medicaid Spend Down? Medicaid Spend Down is what you must do when you have too many resources. In other words, you have too much money and you have to “spend down” assets before you will be eligible for Medicaid coverage. Those excess assets are called the “spenddown” amount. Medicaid programs in Texas have income and asset limits that someone within a covered group must not exceed in order to qualify for the program. However, there are additional programs for those who exceed these limits but have special circumstances. MORE DETAILS >>

The Differences Between Home Care and Home Health.
Non Medical In-Home Care vs. Home Health Care
They sound similar—but they provide very different services. NON MEDICAL IN HOME CARE does not involve medical care; it is usually provided by professional caregivers without a medical license, although it can also be provided by family members. This type of care is not covered by Medicare. HOME HEALTH CARE is medical care provided in the home by a nurse, physical therapist, or other licensed medical professional. Usually, the person providing the care can only provide what’s been prescribed by a doctor. Home health care is generally covered by Medicare in the state of Texas and in other states. MORE DETAILS >>

Open Mortgage - A Texas Reverse Mortgage Lender
Open Mortgage - A Texas Reverse Mortgage Lender
Open Mortgage offers unique solutions for many Texas seniors seeking financial relief. Our reverse mortgage loan programs are set up to meet the homeowner 62 years or older and are very competitive as well. We also have a new program call the HECM for Purchase allowing a homeowner 62 or older to purchase a pre-existing home or new principle residence. Chris Valdez, a Reverse Mortgage Specialist with Open Mortgage, will meet with you to carefully explain the reverse mortgage and application process in detail. This does not commit you to a Reverse Mortgage, so go ahead and set an appointment.Contact Chris Valdez, a Texas Reverse Mortgage Specialist with Open Mortgage today! MORE DETAILS >>

Reverse Mortgage Funding - Specializing in Texas Reverse Mortgages
Reverse Mortgage Funding - Specializing in Texas Reverse Mortgages
Reverse Mortgage Funding LLC (RMF), a wholly owned subsidiary of Reverse Mortgage Investment Trust Inc., is an independent HECM lender. HECMs—also known as reverse mortgages—are all we do. We don’t have competing corporate priorities or multiple lines of business. Our objective is to help older Americans fund their retirements and continue living in their own homes, by providing innovative reverse mortgage products and offering a transparent, informative lending experience that inspires confidence and trust. Contact Vicki Cheairs, a Vicki Cheairs, a HECM Loan Specialist with Reverse Mortgage Funding to learn more. NMLS #543256. Address: 14415 Sugar Mill Circle | Houston, TX 77095. RMF NMLS # 1019941. MORE DETAILS >>

How to Choose an Independent Senior Living Community
Senior Apartment Living - How to Choose
Independent senior living communities are designed for people aged 55 and older who are still physically independent and fairly healthy; those who can live alone without the requirement of skilled nursing or more than light assistance around the home. These types of senior living communities are generally the closest to normal communities of all the types of senior living situations; they are more hands-off than assisted living communities or nursing homes. However, they do come with some benefits for residents. Couple choosing independent living lifestyle. Here are a few things you should—and shouldn’t—expect at an assisted living community. MORE DETAILS >>

Long Term Care Insurance vs. Medicaid
Should You Buy Long Term Care Insurance?
Approximately 70% of older adults will need some type of long-term care at some point. This type of care could include a nursing home or various degrees of in-home care, whether that includes skilled nursing care, help with activities of daily living, or some combination of services. The problem is that these services are very expensive—and the costs are not covered by Medicare, outside of a 100-day period where skilled nursing care is covered for those who qualify and which does not cover non-medical care. Medicaid does cover some costs of long-term care, but the income requirements to qualify for Medicaid assistance are very strict. It is not uncommon for older adults to spend everything they have on their care. MORE DETAILS >>

How to know when it's time to move parents to assisted living.
Signs It's Time to Move Parents to Assisted Living
According to some statistics, as many as 70% of Americans will need some form of assisted living at some point toward the end of their lives. The following are signs that it may be time to move your parent(s) to an assisted living community: DIFFICULTY WITH SOME TASKS. If it's harder than it used to be to keep up with the yard work, keep the house tidy, cook dinners, shop for groceries, and perform other housekeeping activities without help, it may be time to think about assisted living. Many facilities provide help with these tasks as well as with more intimate hygiene activities such as showering, dressing, and using the bathroom. INCREASED FRAGILITY: If you or a loved one has had a sudden health scare such as slipping at home and sustaining a moderate to serious injury it may be a good idea to consider assisted living. MORE DETAILS >>

When a Loved One Dies  A checklist of what to do.
Steps to Take When a Loved One Dies
Whether it's expected or accidental, the death of a loved one can shake you to the core. The last thing you'll want is to have to interrupt grieving to deal with mundane tasks, but unfortunately there are many actions that must be done on behalf of the deceased. Some must be taken immediately, while with others you can take your time and reflect on the best path to follow. Here is a simple checklist which you may find useful as a reminder of what needs to be done after someone has died. Some of the arrangements will need to be done by the executor or administrator of the estate and others can be done by family or friends. WHAT TO DO WHEN A LOVED ONE DIES. MORE DETAILS >>

Texas Medicaid Eligibility Requirements - Texas STAR PLUS Medicaid Waiver
Texas Medicaid Eligibility Requirements
Medicaid is a joint federal and state program. The Texas Medicaid program is a unique combination of federally-mandated minimum coverage and state-determined optional coverage that help pay for medical care and supportive services for eligible individuals based on income and resources. Medicaid may pay all or part of nursing home costs for eligible clients through the Medicaid Nursing Facility Program; however, clients contribute toward their care, based on income and other considerations. STAR PLUS MANAGED CARE MEDICAID WAIVER: What was formerly known as the Community Based Alternatives program is now referred to in Texas as the STAR PLUS Managed Care Medicaid waiver. This program pays for care provided in the home or assisted living as an alternative to nursing homes for those who remain in the community. MORE DETAILS >>

Brenda Bejarano, Texas Reverse Mortgage Specialist
Texas Reverse Mortgage Today
Exclusively serving all of Texas, Brenda Bejarano is a Texas Reverse Mortgage Specialist, with extensive expertise in helping seniors secure mortgage planning options through the reverse mortgage program. Texas Reverse Mortgage Today is here to provide you with good ole’ fashioned customer service! When considering a Reverse Mortgage, education is key, and our pledge to you is to help you make the most well-informed decision. As an independent expert, Brenda promises to work in YOUR best interest, allowing greater choice and more opportunities than if you went directly to any other lender yourself. She exclusively serves Texas homeowners 62 and older. Contact Brenda Bejarano, a Texas Reverse Mortgage Specialist today! Address: 7426 Hiddencreek Dr., Dallas, TX 75252. NMLS# 1321434 / #190460. MORE DETAILS >>

Texas Reverse Mortgage, Inc. Robert L. Wade, Texas Reverse Mortgage Specialist
Texas Reverse Mortgage, Inc.   Map it! Map it!
A Texas reverse mortgage is a home loan that lets homeowners convert a portion of the equity in their home into cash. The equity built up over years of mortgage payments can then be paid to you. Unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence. By only providing Texas Reverse Mortgages we are focused on our common goal - to obtain the best program at the best rate that fits your needs. Contact Robert L. Wade CPA, a Texas Reverse Mortgage Specialist today! Address: 6626 Silvermine Drive, Ste 500, Austin, TX. MORE DETAILS >>

What is Home Health Care?
Understanding Texas Home Health
This page will help you to learn and understand how Texas regulates home health agencies and what home health services are (and are not) covered by Medicare and Medicaid. Home health care provides a wide range of health care services that can be given in your home for an illness or injury. Home health care is usually less expensive, more convenient, and just as effective as care you get in a hospital or skilled nursing facility (SNF). The Texas Department of Aging and Disability Services (DADS) licenses, certifies and surveys home and community support services agencies (HCSSAs) for compliance with state and federal laws and regulations. Through these regulatory activities, DADS protects Texas citizens receiving home health, hospice and personal assistance services. MORE DETAILS >>

What is memory care? What does memory care cost in Texas?
What is Memory Care?
Although assisted living communities may have memory care units on the premises, the two types of care are not synonymous. Memory care is a distinct form of long-term skilled nursing that specifically caters to patients with Alzheimer's disease, dementia and other types of memory problems. Generally, if a person is no longer able to care for him or herself and cannot be safely cared for by an untrained family member or loved one because of Alzheimer or other forms of dementia, memory care may be a good option. In Texas, assisted living facilities have to be licensed and this includes facilities that provide memory care. There is also a separate certification for facilities that provide care to patients with Alzheimer's and related diseases in the state of Texas. MORE DETAILS >>

What You Need To Know About Elder Law - Elder Law Attorneys Areas of Expertise.
What You Need To Know About Elder Law
Elder law is a legal term coined to cover an area of legal practice that places an emphasis on those issues that affect the growing aging population. The legal needs of many older Americans go beyond basic legal services, and they're all interconnected. In addition to understanding the legal issues and complications that older Americans face, elder law attorneys must also understand the surrounding personal concerns of their clients for example, health, financial, and family issues and how those affect their clients legal issues. Elder and Special Needs Law are specialized areas of law that involve representing, counseling, and assisting seniors, people with disabilities, and their families. MORE DETAILS >>

Texas Senior Living Options
What's the Best Senior Living Option For You?
There are many senior living options in Texas to choose from. Understanding how they differ is most important to ensure you find the one that is right your life style. Independent living communities, also known as retirement communities, senior living communities or independent retirement communities, are housing designed for seniors 55 and older. Residents are typically seniors who do not require assistance with daily activities or 24/7 skilled nursing but may benefit from convenient services, senior-friendly surroundings, and increased social opportunities, that many Texas senior living communities offer. Independent senior living communities are also popular among snowbird seniors who wish to downsize or travel freely without the burden of managing a home. MORE DETAILS >>

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DISCLAIMER: Links to other websites or references to products, services or publications do not imply the endorsement or approval of such websites, products, services or publications by Elder Options of Texas. The determination of the need for senior care services and the choice of a facility is an extremely important decision. Please make your own independent investigation.