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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.
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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.
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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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Term life insurance policies do have a termination date and this varies depending on the policy and the company. I've been working with life insurance for over 23 years. There are policies that end at age 95 and some that last longer and some that end a lot sooner, so it depends. Not to mention there's other types of life insurance such as whole life and universal. I'd suggest calling their customer service department for the details. If your MIL is the owner, have her with you bc the customer service rep will need to get the owner's approval before they can release any info. Or ask them to mail a letter to whoever the owner is explaining the basics of the policy. Maybe make a list of questions for them to answer in the letter. But before doing that or anything else, I'd talk to the policy owner first.
Pensions vary from company to company. In fact, some people could lose their pension earlier on if the pension fund of a company fails. That's why I like the idea of one getting a lump sum upon retirement.
I know Social Security/Medicare only stops when one passes away, even if they live to be 115.
Now, term life insurance there is an age limit, I think it is 95 or was 95 years old. I am not sure how this works as I never looked into term life.
Each policy can be different it depends on how it was written. If you have the policy look it over, if not contact the insurance company. As for the pension, mine pays out until I die, does not matter how long I live. Contact the particular pension department and ask to talk to someone about the pension and how it is payed out and ask about benefits. I do not know about AARP endorsed products you would have to contact the company. As far as I know AARP does not write policies but has companies that are endorsed by them so again each would be different.
Some Government pensions do not allow you to collect Social Security, there is a Government Pension Offset that pretty much wipes out any Social Security that you would get.
Do the most simple things first. Do you have Social Security, or a private/company pension. Perhaps you have both. Social Security continues until death. If you have a pension then check your retirement paperwork or call the retirement office at the company from which you retired or will retire. Ask how long your pension continues. Simple question, and you should get a straight answer.
If the company pension and the attached medical insurance (probably a Medicare supplement) stop at a certain age then you need to take steps to protect yourself when you reach that age.
If MILs is life insurance than probably yes. Life insurance really is protection for those who work and support a family. The older u get the higher the premium. If employer is paying for ur life insurance past retirement, it may only be enough to bury you or it goes down every year after 70, in my Dads instance, until it reaches 15k. This is an important question and I would suggest if a private policy to call the companys involved. If MIL has gotten a pension this long, then she has more than used the amount the company put aside for her.
I wanted to mention one more thing, even whole life products can vary from company to company to some degree in regards to the policy maturing, which is why it really is best to ask them about this. My previous post was only in general and not intended for all products.
Also, if you have whole life insurance and you're asking them questions, it might not hurt to ask them about RPU (Reduced Paid Up) and ETI (extended Term Insurance) options. And, if the price and death benefit stays the same or changes as some point(s), as well as if there are any riders etc.... Really don't be afraid to ask the company questions.
The best advice I have read in the blog is to check directly with the agency, or the pension and insurance . She probably has Medicare along the the AARP sponsored policy which is actually insured with United Health Care insurance. AARP is is the group (sort of like an employer that helps get the lower rates). Medicare will continue on until death, it is very possible the AARP through United Health care would also continue as they are linked . I am aware that some annuities are only good through age 100. Again, Check with each individual entity ! Be sure all papers and information are gathered together in one place and you understand the benefit. Best of Luck!!!
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.
Best wishes.
I know Social Security/Medicare only stops when one passes away, even if they live to be 115.
Now, term life insurance there is an age limit, I think it is 95 or was 95 years old. I am not sure how this works as I never looked into term life.
As for the pension, mine pays out until I die, does not matter how long I live. Contact the particular pension department and ask to talk to someone about the pension and how it is payed out and ask about benefits.
I do not know about AARP endorsed products you would have to contact the company. As far as I know AARP does not write policies but has companies that are endorsed by them so again each would be different.
Some Government pensions do not allow you to collect Social Security, there is a Government Pension Offset that pretty much wipes out any Social Security that you would get.
If the company pension and the attached medical insurance (probably a Medicare supplement) stop at a certain age then you need to take steps to protect yourself when you reach that age.
Also, if you have whole life insurance and you're asking them questions, it might not hurt to ask them about RPU (Reduced Paid Up) and ETI (extended Term Insurance) options. And, if the price and death benefit stays the same or changes as some point(s), as well as if there are any riders etc.... Really don't be afraid to ask the company questions.
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