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 acknowledge and authorize
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I consent to the collection of my consumer health data.*
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I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
The point of long term care insurance is to avoid having to apply for Medicaid and be able to afford a good facility. BUT should you live longer than the policy pays out, yes you need to apply for Medicaid. OR if your policy only pays $100 a day and by the time you move to a nursing home the cost is $400 a day, you will need Medicaid.
If you are thinking that the LTC will be needed in the near future, please reread the policy carefully. If this is one you have had for years & years, doing a review is very VERY important. Try to have some else revie it too. If you have a concern, send your question in writing to the insurance company.
Probably the most common "I Didn't Realize" is that the policy has a period of time of selfpay BEFORE the LTC policy will pay. Could be 30 days, but could be 90 days before it will even kick in. Often this is glossed over by the insurance salesman with their saying that Medicare will pay for up to 100 days post hospitalization stays at the NH........
Also look to see if the LTC policy has an inflation rider. Older policies usually don't. You need to know this to figure out just how much $ you really have from the policy. It may be based & fixed on health care costs from last millennium.....
And in order to use the policy you have to private pay whatever the cost is over what the LTC pays. For those using the LTC policy for at home care, private paying the difference could be a manageable amount of $, and LTC policies can work really well for those able to age at home with qualified caregivers. But if this is for paying for care in a NH, it could be thousands of $ each month private pay in addition to the LTC policy $ to pay the 7k - 15k a mo NH bill. For this situation, going onto Medicaid would be better as once eligible for Medicaid all costs are covered.
As an aside on this, my moms NH did NOT take any LTC insurance. Medicare, Medicaid or private pay only. Billing office told me that the issue for them was that each insurance company had its own reporting required in order to get payments..... And invariably whatever was submitted always needed more information, details, yada-yada whatever to delay payments. Just not worth the headache as they could fill those beds with Medicaid paid residents and the state paid in real time. If this is a trend, then LTC policies will be kinda worthless unless the elder can stay at home & has other $$$ to pay for caregivers beyond the LTC $.
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.
OR if your policy only pays $100 a day and by the time you move to a nursing home the cost is $400 a day, you will need Medicaid.
Probably the most common "I Didn't Realize" is that the policy has a period of time of selfpay BEFORE the LTC policy will pay. Could be 30 days, but could be 90 days before it will even kick in. Often this is glossed over by the insurance salesman with their saying that Medicare will pay for up to 100 days post hospitalization stays at the NH........
Also look to see if the LTC policy has an inflation rider. Older policies usually don't. You need to know this to figure out just how much $ you really have from the policy. It may be based & fixed on health care costs from last millennium.....
And in order to use the policy you have to private pay whatever the cost is over what the LTC pays. For those using the LTC policy for at home care, private paying the difference could be a manageable amount of $, and LTC policies can work really well for those able to age at home with qualified caregivers. But if this is for paying for care in a NH, it could be thousands of $ each month private pay in addition to the LTC policy $ to pay the 7k - 15k a mo NH bill. For this situation, going onto Medicaid would be better as once eligible for Medicaid all costs are covered.
As an aside on this, my moms NH did NOT take any LTC insurance. Medicare, Medicaid or private pay only. Billing office told me that the issue for them was that each insurance company had its own reporting required in order to get payments..... And invariably whatever was submitted always needed more information, details, yada-yada whatever to delay payments. Just not worth the headache as they could fill those beds with Medicaid paid residents and the state paid in real time. If this is a trend, then LTC policies will be kinda worthless unless the elder can stay at home & has other $$$ to pay for caregivers beyond the LTC $.