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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.
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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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Bellini, for this day & age 5k is a pretty small life insurance policy. Bigger insurance companies don’t really do ones under 50k. Some need it to be at 100k minimum or higher to even warrant the paperwork. Is it a 5k fully funded face value term life insurance policy?
Or is value accrued to some date in the future? Like Is this one of those policies touted to take care of after death expenses. These are often advertised on TV & are low costing monthly or qtrly premium. If so, please please look at the fine print. They often will NOT do a payout at all till a certain period of time & premiums paid is past. The time period could be 3 or 5 years. If it reads this, and if she is unlikely to hit the requirements, it may not be worthwhile. Read carefully as to what happens to premiums paid if it has a required period before activated & she dies before hitting that mark.
I just cannot see a spanking new policy owned by an elderly applicant just bought with premiums owed being able to have any immediate value. Life insurance runs on risk; a new 5k on a 90 yr old makes no sense to underwrite but a 5k on a 30 yr old does as they are likely to live another 30 & actually pay it out. I bet there’s no $ to cash out. Again carefully read the policy.
My experience for my mom’s term life insurance was that it was all about the “face value” of the policy that determined whether it was ok & within Medicaid asset limits. Face value will be indicated somewhere in the policy. Her face value was $1,000, so ok for TX Medicaid, even though it paid more than that after she died. Her policy was quite quite old and fully paid up; it actually was so old it produced a nice lil dividend to her which was required to be plowed back into the policy, & which as a dividend, technically was income/asset and included in her initial application and then reported each year in her Medicaid renewal.
Btw TX does annual LTC Medicaid renewals, so keep all her paperwork together and organized and add to it as bank statements, etc come to her in the future. The renewal had like a 14 day submission deadline....
If you took it out on your sister and named yourself beneficiary, it will be considered income and not inheritance and will be taxed at your tax rate. Just an FYI.
You should call Medicaid and ask them, that way if it is a problem then you can cancel it before you are out any money.
Thank you. I may have worded that wrong. The $5,000 policy is one that I just took out. We haven't even paid the first premium or payment. Could I have taken the policy out under my name?
depending on what type of policy it is, they may require her to cash it in and spend it on her care before she will be eligible for Medicaid. Usually if it has a cash value, it’s considered an asset and has to be cashed in. The medicaid social worker assigned to her should be able to tell her if it will have to be cashed in
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.
Is it a 5k fully funded face value term life insurance policy?
Or is value accrued to some date in the future? Like Is this one of those policies touted to take care of after death expenses. These are often advertised on TV & are low costing monthly or qtrly premium. If so, please please look at the fine print. They often will NOT do a payout at all till a certain period of time & premiums paid is past. The time period could be 3 or 5 years. If it reads this, and if she is unlikely to hit the requirements, it may not be worthwhile. Read carefully as to what happens to premiums paid if it has a required period before activated & she dies before hitting that mark.
I just cannot see a spanking new policy owned by an elderly applicant just bought with premiums owed being able to have any immediate value. Life insurance runs on risk; a new 5k on a 90 yr old makes no sense to underwrite but a 5k on a 30 yr old does as they are likely to live another 30 & actually pay it out. I bet there’s no $ to cash out. Again carefully read the policy.
My experience for my mom’s term life insurance was that it was all about the “face value” of the policy that determined whether it was ok & within Medicaid asset limits. Face value will be indicated somewhere in the policy. Her face value was $1,000, so ok for TX Medicaid, even though it paid more than that after she died. Her policy was quite quite old and fully paid up; it actually was so old it produced a nice lil dividend to her which was required to be plowed back into the policy, & which as a dividend, technically was income/asset and included in her initial application and then reported each year in her Medicaid renewal.
Btw TX does annual LTC Medicaid renewals, so keep all her paperwork together and organized and add to it as bank statements, etc come to her in the future. The renewal had like a 14 day submission deadline....
And I am so sorry for you losing your Mom.
You should call Medicaid and ask them, that way if it is a problem then you can cancel it before you are out any money.