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CONFIDENCE Financial Education for Caregivers

Confidently Navigating Financial Decisions and Enhancing Financial Wellbeing in Dementia Caregiving

Status
Completed
Phases
NA
Study type
Interventional
Source
ClinicalTrials.gov
Registry ID
NCT05292248
Acronym
CONFIDENCE
Enrollment
20
Registered
2022-03-23
Start date
2022-05-01
Completion date
2024-03-01
Last updated
2024-08-23

For informational purposes only — not medical advice. Sourced from public registries and may not reflect the latest updates. Terms

Conditions

Alzheimer Disease, Caregiver Burden, Dementia, Financial Stress

Keywords

Out-of-pocket costs, Behavioral intervention, Hispanic, Latino, Self-Efficacy

Brief summary

The purpose of this study is to determine how feasible it is to deliver an online course to reduce out-of-pocket costs of caregiving and reduce financial stress among Latino family caregivers to a family member living with dementia. The investigators hope that that the results of this study will help to reduce high these out-of-pocket costs and improve financial wellbeing for Latino family caregivers. Caregivers will be asked to to participate in 3 online surveys, in addition to participating in 5, 1.5 hour group-based Zoom learning sessions.

Interventions

BEHAVIORALConfidently Navigating Financial Decisions and Enhancing Financial Wellbeing in Dementia Caregiving

Multicomponent psychoeducational intervention focused on financial wellbeing

Sponsors

AARP Foundation
CollaboratorOTHER
University of Southern California
CollaboratorOTHER
Case Western Reserve University
Lead SponsorOTHER

Study design

Allocation
NA
Intervention model
SINGLE_GROUP
Primary purpose
TREATMENT
Masking
NONE

Eligibility

Sex/Gender
ALL
Age
50 Years to No maximum
Healthy volunteers
Yes

Inclusion criteria

* Caregiver to someone diagnosed by a physician with probably Alzheimer's disease or a related dementia at least 6 months ago * Latino or Hispanic ethnicity * At least 50 years of age of older * Able to attend 5, 1.5 hour to 2 hour group-based lessons over 5 weeks * No plans to place family member in a facility within the next 3 months

Exclusion criteria

* Unreliable access to email, a computer and internet access * Does note speak and read English * Previously participated in CONFIDENCE program

Design outcomes

Primary

MeasureTime frameDescription
Monthly Out-of-pocket Caregiving CostsChange in median costs from from baseline to 8 weeks post-interventionMonthly out-of-pocket costs of caregiving is based on the tool used by the AARP Public Policy Institute in their 2016 report on the out-of-pocket costs of caregiving. This measure combines caregiver recall of care costs in the previous month, collected at baseline, with 5 days of daily spending diaries. Daily surveys will be sent using an email with a survey link, and a text message reminder. Monthly costs include less-frequent, high-cost expenditures (e.g., mortgage payment), while daily costs include lower-cost items caregivers may pay for more frequently (e.g., groceries). Daily self-reports of spending will be averaged and multiplied by 6 to approximate the number of days in a month, and added to estimated monthly costs. Positive scores indicate increased out-of-pocket costs. The researchers advise against relying on this outcome. In this pilot study, we found that this measure has qualitatively different meanings for adult child and spousal caregivers.

Secondary

MeasureTime frameDescription
Psychological Financial StrainChange from baseline to post-intervention (within 1 week); change from baseline to 8 weeks post-interventionThe measure for psychological financial strain is from multiple scales. Items 1 to 14 ask about financial anxiety. Lastly, the investigators included the 1-item question that asks about financial worry (I worry constantly about money. Participants are asked to indicate the extent to which each statement is true (Very true \[3\], Somewhat true\[2\], Somewhat untrue\[1\], and Complete untrue\[0\]). Scores are summed such that scores range from 0 to 45, where higher scores indicate higher levels of financial strain.
Caregiver Self-efficacyChange from baseline to post-intervention (within 1 week); change from baseline to 8 weeks post-interventionSelf-efficacy is measured using the Caregiver Self-Efficacy Scale. This 8-item scale asks about multiples domains of self-efficacy (e.g., managing behavioral symptoms, accessing respite, and controlling upsetting thoughts). It demonstrates high reliability (alpha=0.89) and good test-retest reliability (0.73). Participants rate the extent to which they are Not confident at all (1) to Totally confident (10). Scores range from 8 (lowest level of self-efficacy) to 80 (highest level of self-efficacy). The outcome measure will use the average change score from baseline scores. Positive scores indicate an increase in self-efficacy.
Caregiver ResourcefulnessChange from baseline to post-intervention (within 1 week); change from baseline to 8 weeks post-interventionResourcefulness is measured using the 28-item Caregiver Resourcefulness Scale (alpha=0.85). This scale has two factors: one focused on help-seeking and another on self-help. Caregivers are asked the frequency at which they use different strategies to manage challenges, and may respond: Not at all like me (0), Pretty much not like me (1), A little bit not like me (2), A little bit like me (3), Pretty much like much like me (4), or Very much like me (5). Items are added together to create a total score. Scores range from 0 to 140, where higher scores indicate higher levels of resourcefulness. The outcome measure will use the average change score from baseline scores

Countries

United States

Participant flow

Participants by arm

ArmCount
CONFIDENCE Education Intervention
Participants will attend the 5-week CONFIDENCEProgram. This program will include attending 5 group-based sessions delivered by videoconference. Each session will last approximately 1.5 hours each and will cover topics such as how to budget, accessing community resources to displace the out-of-pocket costs of caregiving, asking for help, balancing employment and caregiving, and more. Confidently Navigating Financial Decisions and Enhancing Financial Wellbeing in Dementia Caregiving: Multicomponent psychoeducational intervention focused on financial wellbeing
20
Total20

Baseline characteristics

CharacteristicCONFIDENCE Education Intervention
Age, Continuous58.6 years
STANDARD_DEVIATION 6.3
Caregiver Self-Efficacy40.6 units on a scale
STANDARD_DEVIATION 13.5
Ethnicity (NIH/OMB)
Hispanic or Latino
20 Participants
Ethnicity (NIH/OMB)
Not Hispanic or Latino
0 Participants
Ethnicity (NIH/OMB)
Unknown or Not Reported
0 Participants
Monthly out-of-pocket caregiving costs3755 Dollars
Psychological financial strain17.9 units on a scale
STANDARD_DEVIATION 11
Race (NIH/OMB)
American Indian or Alaska Native
0 Participants
Race (NIH/OMB)
Asian
0 Participants
Race (NIH/OMB)
Black or African American
0 Participants
Race (NIH/OMB)
More than one race
1 Participants
Race (NIH/OMB)
Native Hawaiian or Other Pacific Islander
0 Participants
Race (NIH/OMB)
Unknown or Not Reported
7 Participants
Race (NIH/OMB)
White
12 Participants
Region of Enrollment
United States
20 participants
Resourcefulness82.7 units on a scale
STANDARD_DEVIATION 26
Sex: Female, Male
Female
17 Participants
Sex: Female, Male
Male
3 Participants

Adverse events

Event typeEG000
affected / at risk
deaths
Total, all-cause mortality
0 / 20
other
Total, other adverse events
0 / 20
serious
Total, serious adverse events
0 / 20

Outcome results

Primary

Monthly Out-of-pocket Caregiving Costs

Monthly out-of-pocket costs of caregiving is based on the tool used by the AARP Public Policy Institute in their 2016 report on the out-of-pocket costs of caregiving. This measure combines caregiver recall of care costs in the previous month, collected at baseline, with 5 days of daily spending diaries. Daily surveys will be sent using an email with a survey link, and a text message reminder. Monthly costs include less-frequent, high-cost expenditures (e.g., mortgage payment), while daily costs include lower-cost items caregivers may pay for more frequently (e.g., groceries). Daily self-reports of spending will be averaged and multiplied by 6 to approximate the number of days in a month, and added to estimated monthly costs. Positive scores indicate increased out-of-pocket costs. The researchers advise against relying on this outcome. In this pilot study, we found that this measure has qualitatively different meanings for adult child and spousal caregivers.

Time frame: Change in median costs from from baseline to 8 weeks post-intervention

Population: Although all 20 participants were asked to complete daily spending surveys used to calculuate monthly out-of-pocket caregiving costs, only 16 completed daily spendin surveys at baseline. Of these participants, 10 completed daily spending surveys at the 2-month follow-up time. However, one follow-up survey was removed from analyses since it was an extreme outlier (i.e., 16 times higher than next highest monthly cost calculated).

ArmMeasureValue (MEDIAN)
CONFIDENCE Education InterventionMonthly Out-of-pocket Caregiving Costs480 Dollars
Secondary

Caregiver Resourcefulness

Resourcefulness is measured using the 28-item Caregiver Resourcefulness Scale (alpha=0.85). This scale has two factors: one focused on help-seeking and another on self-help. Caregivers are asked the frequency at which they use different strategies to manage challenges, and may respond: Not at all like me (0), Pretty much not like me (1), A little bit not like me (2), A little bit like me (3), Pretty much like much like me (4), or Very much like me (5). Items are added together to create a total score. Scores range from 0 to 140, where higher scores indicate higher levels of resourcefulness. The outcome measure will use the average change score from baseline scores

Time frame: Change from baseline to post-intervention (within 1 week); change from baseline to 8 weeks post-intervention

Population: Six participants did not complete the first follow up and the second follow up survey. In addition, two other participants had missing item-level data in the first follow up survey and another 4 had missing item-level data on the second follow up survey, such that there are 8 missing cases for Change from baseline to post-intervention and 10 missing cases for Change from baseline to 8 weeks post-intervention.

ArmMeasureGroupValue (MEAN)Dispersion
CONFIDENCE Education InterventionCaregiver ResourcefulnessChange from baseline to post-intervention12.8 score on a scaleStandard Deviation 10.6
CONFIDENCE Education InterventionCaregiver ResourcefulnessChange from baseline to 8 weeks post-intervention9.2 score on a scaleStandard Deviation 9.7
Secondary

Caregiver Self-efficacy

Self-efficacy is measured using the Caregiver Self-Efficacy Scale. This 8-item scale asks about multiples domains of self-efficacy (e.g., managing behavioral symptoms, accessing respite, and controlling upsetting thoughts). It demonstrates high reliability (alpha=0.89) and good test-retest reliability (0.73). Participants rate the extent to which they are Not confident at all (1) to Totally confident (10). Scores range from 8 (lowest level of self-efficacy) to 80 (highest level of self-efficacy). The outcome measure will use the average change score from baseline scores. Positive scores indicate an increase in self-efficacy.

Time frame: Change from baseline to post-intervention (within 1 week); change from baseline to 8 weeks post-intervention

Population: A participant had item-level missingness at baseline, such that baseline data is available for 19 participants. Six participants did not complete the first follow up and the second follow up survey. Another participant had missing item-level data in the first follow up survey, such that there are 7 missing cases for Change from baseline to post-intervention and 6 missing cases for Change from baseline to 8 weeks post-intervention.

ArmMeasureGroupValue (MEAN)Dispersion
CONFIDENCE Education InterventionCaregiver Self-efficacyChange from baseline to post-intervention15.2 score on a scaleStandard Deviation 8.5
CONFIDENCE Education InterventionCaregiver Self-efficacyChange from baseline to 8 weeks post-intervention15.6 score on a scaleStandard Deviation 6.5
Secondary

Psychological Financial Strain

The measure for psychological financial strain is from multiple scales. Items 1 to 14 ask about financial anxiety. Lastly, the investigators included the 1-item question that asks about financial worry (I worry constantly about money. Participants are asked to indicate the extent to which each statement is true (Very true \[3\], Somewhat true\[2\], Somewhat untrue\[1\], and Complete untrue\[0\]). Scores are summed such that scores range from 0 to 45, where higher scores indicate higher levels of financial strain.

Time frame: Change from baseline to post-intervention (within 1 week); change from baseline to 8 weeks post-intervention

Population: In both the first follow up and second follow up survey, there were 6 missing cases. In addition, for item-level missingness on this scale contributes to missing data for 2 additional cases.

ArmMeasureGroupValue (MEAN)Dispersion
CONFIDENCE Education InterventionPsychological Financial StrainChange from baseline to post-intervention-4.6 score on a scaleStandard Deviation 7.8
CONFIDENCE Education InterventionPsychological Financial StrainChange from baseline to 8 weeks post-intervention-4.3 score on a scaleStandard Deviation 5.1

Source: ClinicalTrials.gov · Data processed: Feb 7, 2026