Are you sure you want to exit? Your progress will be lost.
Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
Share a few details and we will match you to trusted home care in your area:
My grandparents didn't have any protection against long-term care, thus, my parents and their siblings paid for their care, from this experience, my parents purchased a shared policy - the spousal ltci. When you don't have any kind of protection, it can be devastating to you and your loved ones. Just make sure to consult and discuss with your family, lawyer and an ltci specialist before buying one so you can determine if you have the ability to pay the premiums including future increases and if your family members are committed to assist you with your future long term care needs. In addition, don't forget to consider the reviews and reputation of the insurance provider and don't just settle for one carrier, shop from different insurance companies, you can get long-term care insurance quotes online, and speak with a specialist so you can compare and choose the best one.
My parents have long-term care insurance and so far so good. We didn't encounter problems when we filed for claims. Genworth is making everything easy for us. It really pays to have a policy because it helps pay for their assisted living facility. The company also matters so choose a company that has been in the business for a while now and can meet your expectations when your file for claims. I know it's pricey but it's totally worth it just take it from me. If you're on a tight budget and you're keen in having long-term care insurance, I recommend comparing long term care insurance quotes. Through this, you can compare policies from one carrier to another, costs, benefits and discounts.
Just found out yesterday that my mom's policy through Met Life will pay 3900/mo for assisted living both rent and care (was told numerous times these policies wouldn't cover AL from staff and others) and for a period of three years. I was very surprised as we were just hoping for them to cover her ADL care costs of less than 1000. Still won't believe it until I see it, but hoping it's all true. Next on husband's and my financial to-do list is to purchase ourselves a policy.
I am very glad that my mother wisely chose to buy a long term care policy with S.H.I.P., Senior Health Insurance Company of Penn. She bought several riders on it such as yearly increase, home health care and home builder care, premiums cease after going into the nursing home, and it lasts as long as she lives. She's already gained in benefits since 2009 more than she paid in from premiums. My regret is that she did not tell me or her husband about it for she could have benefited from it when she was still home. It pays $5,000 + of the $7,000 + monthly bill. The rest is covered by her life savings and securities.
MIL had one with New York Life that was great. (She passed 2 wks ago.) It paid 4+ of the $6,000 per month. Also was used when she was still in her home. Not sure how many years it would pay for. Just hope we will be able to afford something similar!
Please see my response to similar question today by Ismaili.... We have OTC thru Mass Mutual and it is SignatureCare policy. It is about $200/mo for each of us. We have the policy, shared care riders, inflation protection, etc.
These policies all vary and you have to read each very carefully and understand any anticipated needs. Do your research and only buy from a trusted company and trusted rep. Call referrals from others who have similar policies.
Long Term Care insurance is extremely expensive but worth it if you have assets you are trying to protect. But one option that is becoming increasingly popular for younger seniors is to purchase a specialized type of life insurance policy - one that has "living benefits". These benefits allow the beneficiary to access a portion of the death benefit while still living, in the event of a chronic, terminal or critical illness. Plans and benefits vary, so make sure you speak with an independent agent who can shop multiple companies on your behalf.
My mother has been paying for decades to Metlife and so far it isn't paying anything for assisted living or board and care, which she definitely must have, only pays for skilled nursing which she hasn't needed yet, nor may never. Geriatric manager says it pays what most do, which is next to nothing.
We have long-term care through Genworth. SPEAK TO A TRUSTED FINANCIAL PLANNER. Plans and costs vary. Because of our age, we pay an enormous amount for the coverage, but believe it will be worth it. Good luck.
Pricing for the same level of long term care coverage can vary greatly between companies, with some companies charging over 100% more than others. Work with an independent insurance agent that can provide quotations from numerous companies.
My mother has a policy through Genworth. It is currently paying for her care in a memory care unit. Her care is not at the maximum of what it will pay and it pays for 4 years.I am very glad she got this policy even though it was very expensive. It is not paying for a portion of her care, it is paying 100%. I just got a policy for myself because Alzheimer's runs rampant in my family...on both sides. My policy is not Genworth but it is the same expect it pays for 3 years when activated. I am happy I was able to get it so my husband will have help when the time comes. It covers home health care, adult day care and facility care.
If you are looking for one...make sure you choose a reputable company not an unknown company. Look for one that can show you that the premiums do not go sky high as you age, ask about the ease of activating it, does it pay for home health care...can you still pay the premiums if using home health care, check on adult day care, respite care for your family member who is your caregiver, and as in my mom's and my policy...once you enter a facility, you stop paying premiums. Ask about inflation...mine has a 5% inflation rate a year, meaning the amount the policy pays per day for me, inflates 5% a year. Research and research to check on companies that defaulted on paying...this is why you chose a reputable company.
Thanks, "vstefans"; now I know I need to research this subject much deeper before investing in this type of insurance or ensure I know all the facts of which one is bonifiable and not a scam. I think the org I work for offers longterm care insurance for self/spouse, due to my boss mensioning it once "that due to her husbands situation" the org insurance longterm insurance is paying for her husbands bedridden home careworker; plus since he's a retired military vet the Veterans Affairs also provides funds for his home care. I will talk to her and get more information on this subject, thanks.
I got it for my husband and me both. It's bankruptcy insurance, basically. It should help prevent either one of us or our kids from going broke and having no money left over to live on. My mom had Banker's Life and it was a scam, she thought it plus Medicare would cover everything. Really. In reality, it was almost impossible to actually get even what she was entitled to, and it barely defrayed expenses at all. The policy even said it was not long-term care insurance, and IMHO whoever sold it to her had a non-functional conscience if they had any.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Just hope we will be able to afford something similar!
We have OTC thru Mass Mutual and it is SignatureCare policy. It is about $200/mo for each of us. We have the policy, shared care riders, inflation protection, etc.
These policies all vary and you have to read each very carefully and understand any anticipated needs. Do your research and only buy from a trusted company and trusted rep. Call referrals from others who have similar policies.
Don
If you are looking for one...make sure you choose a reputable company not an unknown company. Look for one that can show you that the premiums do not go sky high as you age, ask about the ease of activating it, does it pay for home health care...can you still pay the premiums if using home health care, check on adult day care, respite care for your family member who is your caregiver, and as in my mom's and my policy...once you enter a facility, you stop paying premiums. Ask about inflation...mine has a 5% inflation rate a year, meaning the amount the policy pays per day for me, inflates 5% a year. Research and research to check on companies that defaulted on paying...this is why you chose a reputable company.