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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.
Depending on your age now it might be very costly, if you can get it. I purchased mine 12 years ago. It is one that will pay out to beneficiaries if I do not need the Long Term Care Insurance. Every year I choke when I write out the check for the policy. I sometimes wonder if I took that same amount and placed it in an account and did not touch it would it be enough to pay for my care? (I would have the answer if I knew my future how and when I was going to die and what my ailments would be. But that is not going to happen. So I write the check every year.)
Someone posted a while back that the policy that their mother had the company was denying payment because mom lived in a facility NOT at home. So please check any policy carefully as to what it covers, when, how.
I am your age. When when my husband and I looked into long term care insurance not long ago, and did the math, we quickly concluded we needed to have bought it when we were much younger (30s or 40s) to have it be affordable and financially beneficial. But we didn’t have that kind of spare money then.
In other words, we couldn’t afford it when we were young enough to get a good rate buying it, and now that we are close enough to the age where we will likely need it, it is far too expensive to buy.
Do some online searching and price estimates, but don’t expect it is going to be a good, affordable deal at this point.
My parents bought a policy and we never even looked at it until mother had to go into a rehab post hip replacement.
The LTC policy kicked in a grand total of $25 a day, on top of Medicare.
The policy was bought in the 60's or 70's. and maybe $25 a day was considered 'good enough' but it was not, by any means.
Mom hated the NH (she had chosen it--I told her it was a dump) and only stayed about a day--she wouldn't get out of the wheelchair and was a real PITA to all the staff.
OS swooped in, called a couple of 'better' rehabs and moved mother to a MUCH nicer one. And she handed over her AMEX card and said "Bill me the difference'. She didn't even try to use the LTC policy, it's really useless.
Having said all that--look into it--if you are over 60, it's MUCH more expensive. Our financial planner had us plan on one or both of us being 'in care' and we saved and invested to that end. LTC was simply too expensive and would not have paid out much.
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.
I purchased mine 12 years ago. It is one that will pay out to beneficiaries if I do not need the Long Term Care Insurance.
Every year I choke when I write out the check for the policy. I sometimes wonder if I took that same amount and placed it in an account and did not touch it would it be enough to pay for my care? (I would have the answer if I knew my future how and when I was going to die and what my ailments would be. But that is not going to happen. So I write the check every year.)
Someone posted a while back that the policy that their mother had the company was denying payment because mom lived in a facility NOT at home. So please check any policy carefully as to what it covers, when, how.
In other words, we couldn’t afford it when we were young enough to get a good rate buying it, and now that we are close enough to the age where we will likely need it, it is far too expensive to buy.
Do some online searching and price estimates, but don’t expect it is going to be a good, affordable deal at this point.
The LTC policy kicked in a grand total of $25 a day, on top of Medicare.
The policy was bought in the 60's or 70's. and maybe $25 a day was considered 'good enough' but it was not, by any means.
Mom hated the NH (she had chosen it--I told her it was a dump) and only stayed about a day--she wouldn't get out of the wheelchair and was a real PITA to all the staff.
OS swooped in, called a couple of 'better' rehabs and moved mother to a MUCH nicer one. And she handed over her AMEX card and said "Bill me the difference'. She didn't even try to use the LTC policy, it's really useless.
Having said all that--look into it--if you are over 60, it's MUCH more expensive. Our financial planner had us plan on one or both of us being 'in care' and we saved and invested to that end. LTC was simply too expensive and would not have paid out much.