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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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She is starting to forget things. She pays a lot in overdraft fee and returned checks. My dad is deceased, she is on a fixed income. Can I go to court to oversee her finances?
Is going to court the only option? Are you close to your mom? Would she give to a durable power of attorney (DPOA) and accept your help in managing her finances? It would be helpful to have a little more information. You have my sympathy.
POA is the ultimate but it requires visiting an attorney (who may feel your Mom is not capable of signing such a document). When I first noticed my Mom was getting "fuzzy" on these issues, I mentioned to her that my MIL had my husband as a co-signor on her checking account so he could write out the bills if she wasn't feeling well. (Not true, at this point I've told so many white lies I've lost count! : - )) My Mom thought this was a GREAT idea and we visited the bank and my name was added so I could write the checks out. Shortly before this, I had suggested she put all the medical bills and statements in one pile and we'd do them together since the statements are so-o confusing. That was a blessing to her as well. I just picked up the pile each visit and she never asked about them. Before I brought in round the clock aides, I quietly removed all of the financial paperwork. I changed the mailing address to my home so none of that went to her place.
My husband just broached the subject of having his Mom let her POA (hubby's brother) get the bills and statements and pay them. She agreed so quickly, my husband was shocked!
I think sometimes we create our own concerns and our parents are much more willing to let go than we imagine! Good luck
I had already had her mail sent to me, that's how I discovered her financial mess. I convinced her to put me on the account. But since my deceased father's name is also on the account, they were unable to. She took a out a reverse mortgage, a year ago, she was given a lump sum of $200,000 and refuses to say what she did with it.
If your mother is not competent to handle her finances, she might not be competent to sign a durable POA. Has her doctor evaluated her to see if she is competent to conduct her business in a business like manner? If so, you are sort of up the creek and would then need to go for guardianship which involves getting lawyer, witnesses like a doctor to testify she is incompetent and the medical reasons why, and family members would have a chance to speak for or against this all with your mother sitting right their in the courtroom.
Why is your deceased father's name still on your mother's account for I thought a joint account with a spouse with right of survivorship became the surviving spouse's account upon the death of the other spouse. About 9 or 10 years ago, my mother added my name with right of survivorship to all of her personal accounts that are not connected to my step-dad. Does that mean that my mother's name will still be on the account after she dies?
I discovered my mother's financial and tax mess back in 2009 which dated back to 2004, plus just discovered a property trust mess, but she gave me durable POA back in 2003, but it was lost and thus got another one in 2009.
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.
My husband just broached the subject of having his Mom let her POA (hubby's brother) get the bills and statements and pay them. She agreed so quickly, my husband was shocked!
I think sometimes we create our own concerns and our parents are much more willing to let go than we imagine! Good luck
Why is your deceased father's name still on your mother's account for I thought a joint account with a spouse with right of survivorship became the surviving spouse's account upon the death of the other spouse. About 9 or 10 years ago, my mother added my name with right of survivorship to all of her personal accounts that are not connected to my step-dad. Does that mean that my mother's name will still be on the account after she dies?
I discovered my mother's financial and tax mess back in 2009 which dated back to 2004, plus just discovered a property trust mess, but she gave me durable POA back in 2003, but it was lost and thus got another one in 2009.
I wish you well in cleaning all of this up.
On the $200,000, maybe a look through the cancelled checks will give you some idea of where the money went.