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Who are you caring for?
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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?
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.
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Whole life policies have a cash value during its lifetime. That is considered an asset to Medicaid and not allowed if it brings you above the minimum assets you can have on hand. If they discover this they will require that you cash it in immediately and will potentially disqualify you for the period of time that would be covered by the value of the policy. This is a very serious violation. How were you able to buy the policy? If you are on such a limited income I would think there would be no money left for such a policy? You really should have done your research and consulted a Medicaid rep before you did this. Perhaps contacting one now to get out of this mess would be best.
Sheshe - it's a whole life policy that pays the beneficiary 5k? Is it one of those marketed to cover funeral costs? So your paying a pretty low amount each month? Most of these type of policies have all sorts of qualifiers....like you have to live & pay at least 2 or 3 or even 5 years to be fully insured or only a portion of the 5k paid till its owned for years. Look at the fine print.
Whole life from a good company are usually done in 100k, 300k, 500k range. They are part of an overall investment plan.
A 5k policy, sold to folks who cant qualify for term life, well to me sounds like one that is more illusionary. If you have serious health issues - the insurer is betting you'll die before full policy terms are met. I'd bet it doesn't even build up any real cash value (that takes you over the asset limits for medicaid) till decades from now. I'd be more worried that the policy is written such that your beneficiary will likely never to get the 5k payout. Read the fine print!
I don't know about the whole Medicaid thing, but my MIL, who could not get life insurance other than the one the boast about on TV, did in fact purchase one of the 5 thousand dollar policies, intended to help cover funeral expenses when you die. The contract was written that you had to live and pay inti it for a full 5 years to be paid out. She lived 5 years and 11 days, and they did pay the full 5, to the funeral home, which was her intention so there is one success story for you! Again, I'm not sure of the Medicaid rulings on this.
Stacey - yeah! 11days! This is exactly the type of policy I was referring to. I'd bet your mom was a rarity as she made it past the 5 year requirement & she paid her premiums on time. Most don't & it's pure profit for the insurer.....
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.
Angel
Is it one of those marketed to cover funeral costs?
So your paying a pretty low amount each month?
Most of these type of policies have all sorts of qualifiers....like you have to live & pay at least 2 or 3 or even 5 years to be fully insured or only a portion of the 5k paid till its owned for years. Look at the fine print.
Whole life from a good company are usually done in 100k, 300k, 500k range. They are part of an overall investment plan.
A 5k policy, sold to folks who cant qualify for term life, well to me sounds like one that is more illusionary. If you have serious health issues - the insurer is betting you'll die before full policy terms are met. I'd bet it doesn't even build up any real cash value (that takes you over the asset limits for medicaid) till decades from now. I'd be more worried that the policy is written such that your beneficiary will likely never to get the 5k payout. Read the fine print!