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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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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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My dad was paid up in SBP years ago. Mom expects 50% of his military retirement upon his death. Did we mess that up by getting VA A&A for him with a small amount for her!??
Hi Lee, I’m not sure how benefits within the VA affect each other, but for most government programs, A&A is not considered income. Generally, A&A won’t affect a person’s eligibility for need-based programs, for example. What I would think is more likely is that if your mom were to receive the SBP, then the VA would reevaluate her eligibility for A&A and either adjust the A&A benefit amount or discontinue it. Did you or your parents talk to anyone at the VA at all? There should be someone who can help you. If you don’t have someone already, your local VA can connect you with veteran volunteers who are knowledgeable about the VA bureaucracy and can hopefully guide you without you having to discuss everything directly with the VA. (Ours was through the American Legion; he was more consistent and knowledgeable than most of the people we spoke to at the VA itself.)
Good luck! I hope someone with direct experience with the SBP can answer your question.
Thank you. Yes there is 1 VA person who helped us alot. Since he hadn't mentioned the possibility of affecting the spouses SBP (from the deceased member's Service retirement pension ), i assumed he either doesn't know or it is not true. I saw something about "widow's tax" on SBP, and it's terrible, very limited compared to 50%. So I'll try the American Legion if nobody here can advise as to whether Widow's Tax is associated with VA&A. I should have mentioned the name "Widow's Tax. "
Hi Lee, I hadn't heard of the Widow's Tax. That is so crazy and so wrong! Why would they do that? When I googled it, there was an article saying legislation had been proposed last February to eliminate that penalty, but nothing has happened with it yet.
Hopefully someone else with more knowledge about this will answer. I hope you get some good news about it. (In the articles I read, it looked like the conflicts were between people receiving both the DIC benefit and SBP, no mention of A&A.)
Incredible, what you said about Medicaid because in some states, one has to apply for Veterans A&A before Medicaid. VAA not so generous to spouse as to servicemember. Thanks. This should all be easier. Standardized and documented online like Turbo Tax-type questionnaire and options, to compare outcomes. Thanks much
In our state (MI) the A&A didn't prevent us from getting Medicaid. It was just that we had to inform the VA when he applied for Medicaid, and once he was approved (for nursing home care), then the VA reduced his benefit to about $90 a month. I think it really varies from state to state, and depends on whether you need Medicaid for long term care or for community services.
You are so right about being able to compare and the VA needing to make things clearer and more manageable. I don't know how the older vets and spouses manage this system if they don't have younger family helping them.
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.
Good luck! I hope someone with direct experience with the SBP can answer your question.
Hopefully someone else with more knowledge about this will answer. I hope you get some good news about it. (In the articles I read, it looked like the conflicts were between people receiving both the DIC benefit and SBP, no mention of A&A.)
You are so right about being able to compare and the VA needing to make things clearer and more manageable. I don't know how the older vets and spouses manage this system if they don't have younger family helping them.