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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?
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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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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.
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If I may say so, mrgardnr, this seems to be the key sentence in Polar's helpful explanation that you have perhaps overlooked:
The grantor typically is the same person who holds the life estate.
Whereas you seem to be asking whether the person who will ultimately take possession of the property becomes immediately liable for its upkeep on signature of the deed. To which Polarbear's answer is, normally no. But if the wording of the deed is not clear, or if you're not happy with it, hadn't you better go back to the person who drafted it and check before you sign?
You didn't read my question. I understand who pays what after death. Does the person who has the life estate start paying for those items while the grantor is still alive ? The way the paper reads is he starts paying once the deed is signed and doesnt wait for the death of the grantor
The person who holds the life estate can live in or keep possession of the property until death and continue to pay all expenses. The grantor typically is the same person who holds the life estate.
For example, your parents own their home and want to give it to you when they die. They can create a life estate deed whereas they, as grantors, grant themselves the life estate interest which gives them the right to possession, and grant you the ownership title of the house but no right to possession until they die.
When the person with the life estate interest passes away, the person who has title to the property can now take full possession and will be responsible for all expenses.
Here's a link to an article with more information.
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.
The grantor typically is the same person who holds the life estate.
Whereas you seem to be asking whether the person who will ultimately take possession of the property becomes immediately liable for its upkeep on signature of the deed. To which Polarbear's answer is, normally no. But if the wording of the deed is not clear, or if you're not happy with it, hadn't you better go back to the person who drafted it and check before you sign?
For example, your parents own their home and want to give it to you when they die. They can create a life estate deed whereas they, as grantors, grant themselves the life estate interest which gives them the right to possession, and grant you the ownership title of the house but no right to possession until they die.
When the person with the life estate interest passes away, the person who has title to the property can now take full possession and will be responsible for all expenses.
Here's a link to an article with more information.
estateplanning.com/what-is-life-estate/