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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.
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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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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She's healthy now and we want to give her the options a long term care policy will afford her. She will own the policy and have full control. We will just pay the premiums.
Just have a family get together and discuss your plans. I am not sure if you can purchase long term if she is over 65. She should welcome that her family cares enough to go ahead and make plans now. Good luck!
Not all Long Term Care policies are scams. The one that my mother had paid about 80% of the cost of her being in a nursing home for 4 1/2 years. She received much more back in benefits than she had paid in premiums. She wisely chose a rider that exempted her from paying premiums once she was in the nursing home. The company was S.H.I.P.
My step-mother received help from the same company and my dad is receiving help currently.
Better if you own it and she is the beneficiary. That way if dementia sets in, she cannot try to cash it in. Protect her. See an Elder Law attorney. Premiums may be quite high, and coverage is not immediate.
Check for complaints against that company. abc7news/archive/8548374/
All I know is that Mother has Mutual Of Omaha and they continue to put off making any payments. They always need something else, even though the nursing home is dealing with them.
One of the siblings will need to be your mother's durable POA so that you can be her representative to the long term insurance company and apply for the benefits for her. If I remember correctly, my mother mentioned me in her long term care insurance policy as her representative. When it comes time for this, you will need a statement from a doctor saying that she can't do several things for herself which the policy will list. They will want a copy of the POA and the license of the nursing home. Then, you will be mailing or faxing to them a copy of the nursing home bill that you pay, but then they send you money which covers part of the cost. Unlike my step-mother and dad, my mother never used the rider about having home health care which she had a rider for also.
Chicago, I'm sorry for your sorry experience with your mother's long term care insurance policy. There should be somewhere that such behavior is reported so that the company is held accountable.
Chicago, somehow my situation did not face the obstacles that the couple in that news report faced. I feel sorry for them and others like them. I don't know why, but my mother, step-mother had a different experience as is my dad. I hope your company will finally come through for your mother.
This is done more often than you think. Most companies stop offering policies after age 75 (2 do go to 80) but your mom will have to meet health qualifications. Costs can vary quite significantly from one carrier to another and so the American Association for Long Term Care recommends working with a professional who is "appointed" with multiple companies. Appointed is insurance industry jargon which means they can actually sell the policy. If they only are appointed with one insurer -- guess which one they'll push. The Association has some consumer guides worth reading and there's no sign-in required to access them at www.aaltci.org/guides Hope that helps.
Dennis, you are smart to take care of payments for her. In my Mom's case she purchased a policy some years ago. When she started to develop Alzheimer's she either decided to stop paying or FORGOT! She had paid into it for many years. And now Medicaid will allow retaining assets up to the value of the policy. So the face value is actually double what is stated. If the policy pays out $200,000 the actual value because of the ability to retain assets is $400,000. Found this out at a Senior Law Fair that was put on by the State Bar Association a few weeks ago. If there is a similar fair in your area I highly recommend it!
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.
My step-mother received help from the same company and my dad is receiving help currently.
All I know is that Mother has Mutual Of Omaha and they continue to put off making any payments. They always need something else, even though the nursing home is dealing with them.
Chicago, I'm sorry for your sorry experience with your mother's long term care insurance policy. There should be somewhere that such behavior is reported so that the company is held accountable.
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