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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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Pam, my cousin had her name on some of her mom's credit cards, and because she did that she inherited the debt on those that was not rightfully hers. The real question is why the bank wants your name on there, are they thinking they can hold you responsible for overdrafts? would you be on just as POA? Creditors can't typically just "take" money in a bank account, but they can present checks or charges and if there is not enough money to cover you and your mom get socked with returned check and or overdraft fees, sometimes on a daily basis. I did not ever put my name on my parent's accounts, just signed checks as myname, POA for theirname and used online bill pay on their behalf.
Letter of Testament is a legal document that gives the executor of the will the power to probate the estate of the deceased. All probatable assets cannot be touched until the County Probate court initiates the Letter of Testament to the executor stated in the Official Will.
Since the POA does end with her death and you want to be able to pay her remaining bills, another option is to have a POD (payable on death) on her bank account. The bank will set this up with your mother's approval.
I think they also want me on it so when she dies I can pay the Bills and take out money. I know with a POA you can do that as well. This is so very new to me, but I am learning as I go along.
POA is fine, just make sure you always write POA after your name so they don't try to bill you. The bank has their own forms for making you a signatory only. NEVER combine funds or open joint accounts. It can make things very messy.
The POA terminates at death, then goes to executor responsibilities to liquidate assets, pay bills and distribute any remaining assets to beneficiaries.
If it is possible, have your mother make you her Power of Attorney and use that instead of being on the account. It would have to be a joint account and that is not good except for H&W. Make sure the POA is a Durable one.
Regarding transferring remains...you pay for shipping. Essentially, human remains are cargo, with a bunch of extra requirements (documentation, container specifications, etc.) Your funeral home should be well versed in handling the details. I'd expect to pay anywhere from several hundred to more than a thousand dollars. A funeral home in the town where she'll be buried should make the arrangements (or you can make them yourself). Because you know this is going to be an issue, you should take the opportunity to shop around and research now, so you'll be prepared.
A more practical solution would be to have your mom cremated (if she's agreeable to that). Then, you personally can take them or ship them to the cemetery. They can be buried in the plot just as a casket would be. In fact, many deeds for plots now contain the number of caskets, plus number of cremated remains that can be buried in them.
pami, the bank can have you listed on the account as payable on death (POD). I did that with Mom's account. I did not put my name on the account but we signed a document at the bank that said when she dies, I then have access to the account to pay bills or pay out inheritance, etc. (There's nothing to inherit, but whatever.) Meanwhile, I log online for her and pay her bills, check her balance, etc.
I want to share my experience as my Mom passed away last month. I was POA but that was terminated at her death. I had her will naming me as executor of her estate to pay final expenses. The bank did not recognize the will would not even look at it. I was writing checks for the expenses at the pharmacy. She passed on 7th they froze her account on the 13th. Non payment of bills were then sent to collections. I was told I needed a Letter of Testament to set up an estate account of course that would have been a lawyer fee. I am thankful we went ahead and pain for her funeral the day she went into Hospice. I called my Lawyer and she told me since all 3 of us were POD just to get the money and split the expenses. I wanted to give some to the church but was not able to before the split of the funds. Mom thought she had it set up that I could pay her bills not sure if things are different from state to state but they would not even let me set up online banking for her. It is so sad that you are faced with these situations when you are also grieving over your loss.
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.
A more practical solution would be to have your mom cremated (if she's agreeable to that). Then, you personally can take them or ship them to the cemetery. They can be buried in the plot just as a casket would be. In fact, many deeds for plots now contain the number of caskets, plus number of cremated remains that can be buried in them.
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