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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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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.
Remember, this assessment is not a substitute for professional advice.
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Rosie, I would see a financial advisor or an elder law attorney before doing anything like this. You would need someone to go over your assets, the value of your home, the vehicles you are considering for "future care". Some very unscrupulous people out there right now and will try to sell you on taking loans in order to buy costly annuities to pay out later. They are making commissions on sales and you can do yourself some irreversible damage.
My advise would be to gather all the information on your plan and go to see an Elder Law Attorney. Make it clear when you make your appointment that you just need an hour of his time for advice and a few questions. He may steer you toward as financial advisor who can give good advice.
This Forum is basically just a bunch of caregivers who have some experience with this or that, but for solid medical advice you need a doc and solid legal means an attorney. CPAs and financial advisors acting as fiduciaries, not salesmen, are crucial to prevent mistakes.
Rosie, there will be a few replies dealing with the financial aspect of this but I am going to suggest that you explore other options for care. Is your husband a Vietnam era Veteran? If so depending on where and when he served he may qualify for a LOT (or a little) help from the VA. And now the Spouse can get paid to care for the Veteran. Depending on where and when he served the Parkinson's may be classified as a "Service Connected Disability" and that may add to any help that he might be entitled to. (Many Vietnam era Veterans have refused to talk about their service, so many spouses do not know details of the service.) You can get more information from your local Veterans Assistance Commission or from the VA. He is also entitled to medications, incontinence products.
If he is a Veteran PLEASE look into this.
Your local Agency on Aging may also have programs that he may qualify for. This might get you several hours of Caregivers. The VA also has a program that will provide caregivers.
He may also qualify for Adult Day Care this would give you a break and a place for him to get some socialization and most will pick up in the morning and bring the participants back in the afternoon and generally a breakfast, lunch and snack are provided. There are usually outings that they go on, art, music and pet therapies are typically part of the schedule.
You can also contact your local Senior Center or Senior Services and see what they offer. By me they have Grants that are available for a variety of services.
And because this is me...I am PRO Hospice. I had a great experience and I would not have been able to care for my Husband at home without the help of Hospice. I got all the equipment that I needed, I got supplies, I got a Nurse that came 1 time a week (more often if it was needed) a CNA came 2 to 3 times a week to help shower him, order supplies and she also monitored his weight loss, physical declines. Each person from Hospice was a great support.
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 advise would be to gather all the information on your plan and go to see an Elder Law Attorney. Make it clear when you make your appointment that you just need an hour of his time for advice and a few questions. He may steer you toward as financial advisor who can give good advice.
This Forum is basically just a bunch of caregivers who have some experience with this or that, but for solid medical advice you need a doc and solid legal means an attorney. CPAs and financial advisors acting as fiduciaries, not salesmen, are crucial to prevent mistakes.
Good luck.
Is your husband a Vietnam era Veteran? If so depending on where and when he served he may qualify for a LOT (or a little) help from the VA.
And now the Spouse can get paid to care for the Veteran.
Depending on where and when he served the Parkinson's may be classified as a "Service Connected Disability" and that may add to any help that he might be entitled to.
(Many Vietnam era Veterans have refused to talk about their service, so many spouses do not know details of the service.)
You can get more information from your local Veterans Assistance Commission or from the VA.
He is also entitled to medications, incontinence products.
If he is a Veteran PLEASE look into this.
Your local Agency on Aging may also have programs that he may qualify for.
This might get you several hours of Caregivers.
The VA also has a program that will provide caregivers.
He may also qualify for Adult Day Care this would give you a break and a place for him to get some socialization and most will pick up in the morning and bring the participants back in the afternoon and generally a breakfast, lunch and snack are provided. There are usually outings that they go on, art, music and pet therapies are typically part of the schedule.
You can also contact your local Senior Center or Senior Services and see what they offer. By me they have Grants that are available for a variety of services.
And because this is me...I am PRO Hospice. I had a great experience and I would not have been able to care for my Husband at home without the help of Hospice. I got all the equipment that I needed, I got supplies, I got a Nurse that came 1 time a week (more often if it was needed) a CNA came 2 to 3 times a week to help shower him, order supplies and she also monitored his weight loss, physical declines. Each person from Hospice was a great support.
Now wait for the financial info that will come.
Do you have the income to pay back a HE loan?
Or are you talking about a reverse mortgage, which is a very different animal?
Would it make sense to downsize to an apartment and use the freed up equity for caregivers?
Have you consulted an Elder Law attorney about Medicaid qualification?