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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.
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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.
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I hate banks. They gave their own rules apart from the rules and laws of one's state. It's been my experience that it's better to work with them than to fight them. POAs are, frankly, loosy-goosy, frankly. You present your POA to the bank, they let you draw out money. Mom comes to them two weeks later and says, "I revoked that POA three years ago. Give me my money."
See the problem? If you are at ALL able, hire a medivan and take mom to the bank with you. Bring her driver's license or state I.d. And the POA.
"Mom wants me to start handling her finances now. Here's her ID and the POA for your files. Right, mom?" If she's like my mom, she'll smile and say yes. If not, just plow forward. In most cases, that'll be the end of it.
If you can't get her to go with you, then go to her primary care physician and ask for a letter that says leaving home is too difficult. If they want something that says she,s incompetent, that's going to be a problem.
I agree with what Maggie said. POAs are really too easy to assign. Banks have probably had bad experiences with them. I may also be reluctant to do serious business transactions with someone who has a POA unless I had complete understanding of the situation. Even if the POA is legit, there is always the chance that they could be abusing the trust placed in them for their own benefit. I think the banks are right being cautious in working with them. We have heard of a few cases here on AC where the POA may have been misused.
I'm assuming the bank is looking for proof that mom is unable to tend to her affairs. I've had a mixed bag of experiences from banks using my POA. I agree with Maggie, it's usually easier to jump through the hoops and I hate banks too, almost as much as insurance companies.
It's probably the wording on the POA that is the issue. POA is done in a way that implies that it's a "springing" POA….it springs into action IF they are unable to do for themselves and you need corroboration - the doctors note - to state that's the situation.
How was the POA done? at a law office with witnesses and has notary seal OR was it off the net or a form gotten at a senior services program?
I took my mom to the bank right after I got the POA, there were papers for my mom to sign and her Financial Adviser was able to make phone calls to Transamerica to get their formed emailed and signed. I'm glad the bank was looking out for my mothers interest, even though her Financial Adviser has met me before.
Sometimes it helps to have a bill from the rehab or facility with you when you make the transfer. WxllsFaXXo....... is the absolute WORST when dealing with POA's. I have a friend who had to take them to court when they were the executor of an estate....seems they wanted to make the most of their 2%.
The POA depends on what the document says for activation. Some require a declaration of incompetence, while others activate upon signing the document. You must look at the specific wording in that POA document, as each document can vary tremendously.
I had no issues with the bank, however, one of the investment companies is driving me up a wall. I guess it's better that they are trying to prevent fraud, but it's a real pain when everyone has gone thru the trouble to get the legal documents in place.
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.
See the problem? If you are at ALL able, hire a medivan and take mom to the bank with you. Bring her driver's license or state I.d. And the POA.
"Mom wants me to start handling her finances now. Here's her ID and the POA for your files. Right, mom?" If she's like my mom, she'll smile and say yes. If not, just plow forward. In most cases, that'll be the end of it.
If you can't get her to go with you, then go to her primary care physician and ask for a letter that says leaving home is too difficult. If they want something that says she,s incompetent, that's going to be a problem.
How was the POA done? at a law office with witnesses and has notary seal OR was it off the net or a form gotten at a senior services program?
I have a friend who had to take them to court when they were the executor of an estate....seems they wanted to make the most of their 2%.