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.
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I consent to the sharing of my consumer health data with qualified home care agencies.*
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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.
Share a few details and we will match you to trusted home care in your area:
https://www.policygenius.com/life-insurance/can-you-take-out-a-life-insurance-policy-on-someone-else/ There is much on the internet on this subject, not specifically about a POA, but about the idea in general, and in general the answer is no. Certainly for a POA, who is forbidden by law from enriching him or herself this would be a serious infraction that could get the personal in legal trouble. Now, if you are talking a burial insurance policy you are talking another subject. I will just suggest to you basically that these are legal questions that should be put to a lawyer, and that if you have evidence of a POA using his or her powers to abuse an elder's estate, it is time to report this to authorities with your proof. Don't count on a Forum for legal or medical questions. The answers are too important and should come from experts on your own area of the country.
"When you're getting life insurance, the person whose life will be insured is required to sign the application and give consent. ... So the answer is no, you can't get life insurance on someone without telling them, they must consent to it." March 2021
Yes. Anyone can buy life insurance for anyone else. I could by a policy on your mom.
The issue arises when people collect and don't realize that if they bought it and named themselves beneficiary, it is income and taxable as such.
However, a POA CAN NOT do anything with the assets of the person they are acting for that benefits them.
If the policy is paid with mom's money and names the POA as beneficiary this is a violation of fiduciary responsibility and is completely illegal. Punishable by prosecution.
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.
There is much on the internet on this subject, not specifically about a POA, but about the idea in general, and in general the answer is no. Certainly for a POA, who is forbidden by law from enriching him or herself this would be a serious infraction that could get the personal in legal trouble. Now, if you are talking a burial insurance policy you are talking another subject.
I will just suggest to you basically that these are legal questions that should be put to a lawyer, and that if you have evidence of a POA using his or her powers to abuse an elder's estate, it is time to report this to authorities with your proof. Don't count on a Forum for legal or medical questions. The answers are too important and should come from experts on your own area of the country.
"When you're getting life insurance, the person whose life will be insured is required to sign the application and give consent. ... So the answer is no, you can't get life insurance on someone without telling them, they must consent to it." March 2021
Source:
https://www.northwesternmutual.com/life-and-money/can-you-take-out-life-insurance-on-someone-without-them-knowing/#:~:text=When%20you're%20getting%20life,the%20application%20and%20give%20consent.&text=So%20the%20answer%20is%20no,they%20must%20consent%20to%20it.
The issue arises when people collect and don't realize that if they bought it and named themselves beneficiary, it is income and taxable as such.
However, a POA CAN NOT do anything with the assets of the person they are acting for that benefits them.
If the policy is paid with mom's money and names the POA as beneficiary this is a violation of fiduciary responsibility and is completely illegal. Punishable by prosecution.
Here you can only purchase life insurance on someone you have a relationship with, spouse, children, key person insurance for a business etc.
I cannot sell you life insurance on a stranger, that would be illegal.