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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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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.
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Queen, there are pro and cons in regard to a reverse mortgage. For one thing, it is a loan that needs to be paid back. The pay back includes not only the money that was given to your Mom, but loan interest, and fees.
I agree with the other writers here, better to sell Mom's home and have her move into Assisted Living. My Dad did that, he first moved into Independent Living then into Memory Care. He loved it there. He said he wished he would have moved years earlier. The meals were excellent, he had housekeeping and linen service. Plus the security of knowing that there was a nurse available around the clock.
Dad was glad to get out of his home as it was becoming too much responsibility for him. He never looked back. No more real estate taxes, or utilities to pay. No more worry whenever there was a storm that something would be damaged. No more worry about power outages. Or shoveling the driveway in winter [he was in his 90's] or yard work [he did have a reliable person for mowing].
Dad used the equity in his house to pay for the senior facility. He enjoyed having people around him who were from his age group. He used to joke about his new "college dorm room" except the parties were quieter :)
I agree with JoAnn29. Sell the home and use the proceeds for AL. She will have her own room, remain independent, have plenty of company, have 3 meals a day. Why does she need someone to stay with her? Make meals? Manage meds? Do housework? Perform other activities? All of this is provided with AL.
Do you mean Mom will be paying someone to stay with her from the referenced mortgage?
I think you may want to find other options. Maybe sell Moms house and use the money for an AL. Aides are not always reliable. And there are horror stories on this site about live ins.
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.
I agree with the other writers here, better to sell Mom's home and have her move into Assisted Living. My Dad did that, he first moved into Independent Living then into Memory Care. He loved it there. He said he wished he would have moved years earlier. The meals were excellent, he had housekeeping and linen service. Plus the security of knowing that there was a nurse available around the clock.
Dad was glad to get out of his home as it was becoming too much responsibility for him. He never looked back. No more real estate taxes, or utilities to pay. No more worry whenever there was a storm that something would be damaged. No more worry about power outages. Or shoveling the driveway in winter [he was in his 90's] or yard work [he did have a reliable person for mowing].
Dad used the equity in his house to pay for the senior facility. He enjoyed having people around him who were from his age group. He used to joke about his new "college dorm room" except the parties were quieter :)
I think you may want to find other options. Maybe sell Moms house and use the money for an AL. Aides are not always reliable. And there are horror stories on this site about live ins.
Reversed mortgages are not for everyone.