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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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My understanding is the EIDL is supposed to be used for & limited to paying for operational costs and on existing biz debt. So car lease, rent, biz insurance, biz cell, any debt on credit cards in business name can b paid with EIDL $. It doesn’t have to be spent out in its entirety either, you can set part of it aside for future year. I’ve gotten SBA disaster recovery loan before (Katrina) & there was paperwork that you fill out listing where funds have gone to for the first year or so. However I got an EIDL in June but have gotten zero other than 3 emails from SBA.
EIDL is based on what your gross was for 2019 taxes. It’s roughly 50% but you can take less depending on your needs. So if you made 100k, EIDL will be 50k max and will end up being abt $330 mo payment when it goes into repayment mode. It’s really cheap $, like you’d have to marry it or bury it to get cheaper $. But it’s still debt that you are personally responsible for and if you default, it’s federal $ so your tax refunds can be withheld to pay the debt. There seems to be the thought that EIDL will get forgiveness for some of the loan like what PPP has for qualifying wages paid, but if that happens I’d guess 2022 tax year and you’ll have to show loss on your biz tax filings for 2020 & 2021.
EIDL $ sounds tempting, but I’d be concerned that if your using it to pay for your living expenses, & if SBA starts to require documentation that $ used to pay business related expenses, you can’t do it.
I’d suggest that you file to reopen your state unemployment claim. I bet you still have weeks left as there was extra weeks added on (it’s called EBUI or EBPUA), maybe taking you into March, 2021. The LWA $300 extra a week that happened for a few week after Cares Act expired in July had the matching $100 state UI requirement. The new $300 a week that technically started Dec 28 (after all the initial PUA PEUC ran out Dec. 27) doesn’t have the $100 state minimum match. I’d try to do this ASAP and see if you can RE-up your claim for benefits to pay any missing weeks at regular UI plus the extra $300. If your caregiving a Covid vulnerable elder, you won’t need to have done the detailed job applications each week that regular Pandemic UI filing needs. Now the new $300 payments seem to be “in progress” still for some states, so expect delays. But really resubmit your unemployment claim. If anyone qualifies to get it, it’s you.
Just read an overview of the Cares Act. To me it looks like its for people who have lost jobs. It looks like it also extends unemployment which is only 26 weeks usually. If you haven't been working, you can't collect is what I get out of it. And its based on what you made. I don't see where you would be covered. But it also seems complicated. Did u work and have to quit to care for your parent? If so, you may want to talk to unemployment to see if you can get benefits based on that. Usually though if u quit, your not entitled to unemployment.
Social Security will not pay you. That is based on the work experience of a parent they don't pay caregivers.
The only thing you may be able to get would be Medicaid "in home" but ur parent needs to meet the income requirement. Some States will pay a relative, others supply the aides in some way.
JoAnn the OP would be covered. This is harmful misinformation you’ve posted. State Unemployment benefits and pandemic assistance (federal) were extended to those who were self employed OR who were supposed to start a job but couldn’t because of COVID. The OP was approved and received benefits. And she WAS working, she was self-employed.
I have ran an in home daycare business since 1995 and yes, file taxes yearly. However due to my moms health and that of the special needs kids I watch, my daycare shut down on March 29, 2020. I did receive 84.00 a week unemployment along with the CARES ACT FUNDS of 600.00. When that ran out, I only got the 84.00 a week as one was required to collect at least 100.00 to receive the extra 300.00. My unemployment ran out in October and since I've been living off credit cards. I did receive the PPP in August for the amount of 546.00 which went to bills. And I have applied for a Covid EIDL LOAN in April, and it just recently got approved so once they look over all documentation I should be getting that loan. My problem is, I was just given notice on January 6th that my landlord only renewed my lease thru March. And with me being unemployed, showing no income now, and my mother only getting 435 SSA AND 329 SSI for a total of 814.00 I barely make ends meat. Two of my cars were totaled out in the Derecho storm we had here in Cedar Rapids, Iowa and I have been using the money from insurance to pay bills and rent. My biggest concern is, securing a home for my mom and one I can go back to daycare in...otherwise I do not qualify for the loan and would need to return it. So, I'm just looking for a way to keep my mom living with me, as she almost died in a nursing home in Kansas and here in Iowa due to them not being able to accommodate her diabetic nutritional needs. She has Alzheimers and Dementia, as well as Diabetes, stage 5 kidney disease and congested heart failure. They wanted me to put her in Hospice as they told me should wouldn't live long and gave her 36 hrs. I brought her home with me So, made myself power of attorney and I've caring for her 100% on my own ever since June 2019, as she requires 24 hour care. And with the Pandemic, I can't leave my home to work...nor can I bring in children or families as they work in a public, go to public schools and fir the most part, Iowa hasn't had the best or strictest health guidelines for the Pandemic. So, i will continue to care for my mom as long as I feasibly can. If I have to move to another state to care for her...I will.
So for the entire year of 2019, you only showed a profit of less than $364? I think you did something wrong. Your EIDL loan will be deferred 1 year at 3.75%, 30 years and has to be used for specific qualified expenses. You really filled out PPP wrong if that what you got and still got an EIDL which does hit your credit report. Do not take it yet. Most EIDLs are for less than PPP so if it is for more, yikes. Do not fill out PPP forgiveness til short form comes in February or you will be screwed on payback with that small of an amount.
If you have questions, PM me and I can give you guidance on 2nd round PPP.
I’d tread really carefully on dealing w/ this with State unemployment.
Why? Well you need to have a documented history to show income &/or work & if not it can cause even more questions as to how your getting $ to live. If stuff total sketchy, u kinda don’t want to go there.....
If you were self employed/ gig worker & got UI (unemployment insurance) last year under Covid Cares ACT that $600 wk. expired end of July & if you still had state UI available then you were supposed to go into whatever your state has for regular state UI. & if you were still unemployed then got 5 week LWA $300 wk in Aug / Sept & afterwards whatever weeks still left on your states regular or EB UI system till 12/26/20. Did you get any of these? - if not, then imho, you don’t have info needed to open a new UI claim for 2021. There’s no work or history affected by Covid - if you did, and if your claim had stopped sometime last year, then you need to file a new claim for period 12/27/20 - 3/13/2021 that’s the new payment period. Your state UI system should have all data saved, so you go &reopen claim. Pymts are “in progress” so behind 2-3 wks.
OR did you file for PUA (Pandemic unemployment assistance)? Or PEUC? their $ the feds had available for states for gig / self employed & it’s seperate $ than Cares Act $600 wk. If you were gig worker so didn’t really pay into state UI to any real substantial amount, or had sketchy but verifiable work history in 2019 & early 2020, you could probably get PUA or PEUC. It’s low & amount depends on state. They ended 12/26/20. Were you on these?
I ask because if you didn’t apply for and were not on Cares Act, state UI or PUA PEUC last year (or a combination of these) then you did not have any history to open a UI claim. Something had to happen last year to show income or wages, like SE taxes filed w a schedule C or business filing with a 100% K-1 tied to your SS# and your personal taxes showing the “pass through” of biz loss or gains. If you don’t have these or don’t have pay stubs from jobs in 2020, you - as I understand UI - cannot get traditional UI as there was no job or self employment business that made $ and paid you or your business & reported it to taxing authorities 2019 - 2020. You’d need to file for PUA PEUC $ and submit what your state requires for them, like that schools were closed or that family member “at need” for caregiving or your household has Covid.
If you were taking care of your mom for free, there’s no UI paid to the state & no $ paid into your own SS for your own future retirement income. Your Mom can pay you legitimately to caregive with FICA done and taxes filed to get benefits. Your mom has some sort of income, like she gets SS$ or other retirement $. Mom can pay you to caregive. 2021 is just starting, personally I’d try to get this done soon so you have legit income with fica filed & paid. Alternatively mom could pay you rent; mom pays her % of utilities, etc.
If you are caregiving full time, that could be a problem for getting UI. There’s weekly or bimonthly reporting required for UI and you have to be actively looking for work, actually filing for jobs, going to interviews, etc. And reporting info on jobs in detail to the State in a set timeframe. If you’re caregiving, your not available to work, unless you can file a Covid related exempt reason not to do job search. Otherwise have to be looking & available for work each week. If “misrepresentation” on filings, state can fine you, or withhold tax refunds, or garnish future wages.
On SS, if your asking if SSA pays family to caregive, no SSA does not.
With PUA, people recieve the state unemployment benefit amount based on 1099s submitted in addition to the PUA. So for instance in MI state max benefit amount is 362, then there was 600, then 300 and now 300 on top of that. If no income, they can still get 300 when it starts again, IF they did not claim all their weeks. Taking care of an elder/family member/homeschooling, etc qualifies you.
The CARES Act expired Dec 31, 2020. You are referring to the CAA. Most states have not implemented it yet due to lack of DOL guidance. Were you getting it under CARES act and how many weeks did you use?
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.
EIDL is based on what your gross was for 2019 taxes. It’s roughly 50% but you can take less depending on your needs. So if you made 100k, EIDL will be 50k max and will end up being abt $330 mo payment when it goes into repayment mode. It’s really cheap $, like you’d have to marry it or bury it to get cheaper $. But it’s still debt that you are personally responsible for and if you default, it’s federal $ so your tax refunds can be withheld to pay the debt. There seems to be the thought that EIDL will get forgiveness for some of the loan like what PPP has for qualifying wages paid, but if that happens I’d guess 2022 tax year and you’ll have to show loss on your biz tax filings for 2020 & 2021.
EIDL $ sounds tempting, but I’d be concerned that if your using it to pay for your living expenses, & if SBA starts to require documentation that $ used to pay business related expenses, you can’t do it.
I’d suggest that you file to reopen your state unemployment claim. I bet you still have weeks left as there was extra weeks added on (it’s called EBUI or EBPUA), maybe taking you into March, 2021. The LWA $300 extra a week that happened for a few week after Cares Act expired in July had the matching $100 state UI requirement. The new $300 a week that technically started Dec 28 (after all the initial PUA PEUC ran out Dec. 27) doesn’t have the $100 state minimum match. I’d try to do this ASAP and see if you can RE-up your claim for benefits to pay any missing weeks at regular UI plus the extra $300. If your caregiving a Covid vulnerable elder, you won’t need to have done the detailed job applications each week that regular Pandemic UI filing needs. Now the new $300 payments seem to be “in progress” still for some states, so expect delays. But really resubmit your unemployment claim. If anyone qualifies to get it, it’s you.
Social Security will not pay you. That is based on the work experience of a parent they don't pay caregivers.
The only thing you may be able to get would be Medicaid "in home" but ur parent needs to meet the income requirement. Some States will pay a relative, others supply the aides in some way.
My biggest concern is, securing a home for my mom and one I can go back to daycare in...otherwise I do not qualify for the loan and would need to return it. So, I'm just looking for a way to keep my mom living with me, as she almost died in a nursing home in Kansas and here in Iowa due to them not being able to accommodate her diabetic nutritional needs. She has Alzheimers and Dementia, as well as Diabetes, stage 5 kidney disease and congested heart failure. They wanted me to put her in Hospice as they told me should wouldn't live long and gave her 36 hrs. I brought her home with me So, made myself power of attorney and I've caring for her 100% on my own ever since June 2019, as she requires 24 hour care. And with the Pandemic, I can't leave my home to work...nor can I bring in children or families as they work in a public, go to public schools and fir the most part, Iowa hasn't had the best or strictest health guidelines for the Pandemic. So, i will continue to care for my mom as long as I feasibly can. If I have to move to another state to care for her...I will.
If you have questions, PM me and I can give you guidance on 2nd round PPP.
Why? Well you need to have a documented history to show income &/or work & if not it can cause even more questions as to how your getting $ to live. If stuff total sketchy, u kinda don’t want to go there.....
If you were self employed/ gig worker & got UI (unemployment insurance) last year under Covid Cares ACT that $600 wk. expired end of July & if you still had state UI available then you were supposed to go into whatever your state has for regular state UI. & if you were still unemployed then got 5 week LWA $300 wk in Aug / Sept & afterwards whatever weeks still left on your states regular or EB UI system till 12/26/20. Did you get any of these?
- if not, then imho, you don’t have info needed to open a new UI claim for 2021. There’s no work or history affected by Covid
- if you did, and if your claim had stopped sometime last year, then you need to file a new claim for period 12/27/20 - 3/13/2021 that’s the new payment period. Your state UI system should have all data saved, so you go &reopen claim. Pymts are “in progress” so behind 2-3 wks.
OR did you file for PUA (Pandemic unemployment assistance)? Or PEUC? their $ the feds had available for states for gig / self employed & it’s seperate $ than Cares Act $600 wk. If you were gig worker so didn’t really pay into state UI to any real substantial amount, or had sketchy but verifiable work history in 2019 & early 2020, you could probably get PUA or PEUC. It’s low & amount depends on state. They ended 12/26/20. Were you on these?
I ask because if you didn’t apply for and were not on Cares Act, state UI or PUA PEUC last year (or a combination of these) then you did not have any history to open a UI claim. Something had to happen last year to show income or wages, like SE taxes filed w a schedule C or business filing with a 100% K-1 tied to your SS# and your personal taxes showing the “pass through” of biz loss or gains. If you don’t have these or don’t have pay stubs from jobs in 2020, you - as I understand UI - cannot get traditional UI as there was no job or self employment business that made $ and paid you or your business & reported it to taxing authorities 2019 - 2020. You’d need to file for PUA PEUC $ and submit what your state requires for them, like that schools were closed or that family member “at need” for caregiving or your household has Covid.
If you were taking care of your mom for free, there’s no UI paid to the state & no $ paid into your own SS for your own future retirement income. Your Mom can pay you legitimately to caregive with FICA done and taxes filed to get benefits. Your mom has some sort of income, like she gets SS$ or other retirement $. Mom can pay you to caregive. 2021 is just starting, personally I’d try to get this done soon so you have legit income with fica filed & paid. Alternatively mom could pay you rent; mom pays her % of utilities, etc.
If you are caregiving full time, that could be a problem for getting UI. There’s weekly or bimonthly reporting required for UI and you have to be actively looking for work, actually filing for jobs, going to interviews, etc. And reporting info on jobs in detail to the State in a set timeframe. If you’re caregiving, your not available to work, unless you can file a Covid related exempt reason not to do job search. Otherwise have to be looking & available for work each week. If “misrepresentation” on filings, state can fine you, or withhold tax refunds, or garnish future wages.
On SS, if your asking if SSA pays family to caregive, no SSA does not.