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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?
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.
Share a few details and we will match you to trusted home care in your area:
Just wondering if anyone has any personal experience with the Long Term Care Insurance? I'm considering buying it for myself so that my two children will have an additional resource should I live long enough to need daily care help.
Some of the more affordable plans don't seem to offer much in return. They are "long term care" in that they pay a fixed amount toward your care for a long time, but by no means do they pay in full, so you are paying premiums plus however much more per day or month necessary for care. There is also usually a 30 to 90 day lag time before LTC benefits kick in. You will need to pay out of pocket during the lag time. There are varying requirements for when different policies will begin to pay benefits. If the insured person dies during the lag period, the LTC policy will never take effect. Just one of the things to consider when choosing a policy.
Very good friends of mine both had a LTC insurance policy for many years. She passed away from Covid and was never able to use it. Her husband is now in a LTC/Memory care facility and was able to use the LTC insurance, His son had to pay full cost for 3months, $6,000 per month and then the LTC insurance started to pay, but, he still has to pay $1,500 per month on top of what the LTC insurance pays. His son handles all his finances. So, this is something to think about. Possibly a financial advisor (fiduciary person) would be able to help you with a financial decision. Looking into annuties, stock with dividends, etc. something the will generate long term income for you. I'm sure the cost of LTC will increase and we should be prepared if we can. The bad thing with LTC insurance is if you pass away no one gets the dollars that was put in. If you have annuities, stocks, or any other investments you are able to leave that to your family. It's a big decision to make and I think it's a hard one that has to be thought out carefully, who knows what's the right decision. It's like Russian roulette. Many decisions go wrong or change. We always hope for the best Wishing you blessings on a very hard decision.
Premiums continue increasing for long-term health insurance, but to put things into perspective my mother was in assisted living for 4 years at approximately $7000 per month. $339,000 for the 4 years she was there.
Just compare the costs and determine whether it is worth it based on the odds and whether you think you might be able to remain at home with a caregiver.
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.
So, this is something to think about. Possibly a financial advisor (fiduciary person) would be able to help you with a financial decision. Looking into annuties, stock with dividends, etc. something the will generate long term income for you.
I'm sure the cost of LTC will increase and we should be prepared if we can. The bad thing with LTC insurance is if you pass away no one gets the dollars that was put in. If you have annuities, stocks, or any other investments you are able to leave that to your family. It's a big decision to make and I think it's a hard one that has to be thought out carefully, who knows what's the right decision. It's like Russian roulette. Many decisions go wrong or change. We always hope for the best
Wishing you blessings on a very hard decision.
Just compare the costs and determine whether it is worth it based on the odds and whether you think you might be able to remain at home with a caregiver.