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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.
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This is not an insurance site. This is a forum of Caregivers sharing our experiences.
72 is pretty old to start thinking of LTC insurance. Your premiums may be really high as they are with any insurance policy we get when we are older. We actually dropped a policy because as my DH aged our premiums went up. We actually had it to pay off the mortgage if my DH passed while we still had a mortgage and the girls were under 18. Once they were out of school and the mortgage was paid off, we dropped the policy.
You need to find an agent in ur State. You need to make sure there are cost of living clauses. Policies are based on what the daily rate of care is at the time the policy is written. You need a clause saying the cost of living will be considered at the time you start drawing monies. Will it pay for in home care? If so, can it be a certified aide you hire or does it need to be an approved agency? How does the provider get paid? Money is sent to your account or directly to the provider. You need to sit down with an agent and go over all the options. Then u may want to have a lawyer review the policy.
"Considering long-term care costs is an important part of any long-range financial plan, especially in your 50s and beyond. Waiting until you need care to buy coverage isn't an option. You won't qualify for long-term care insurance if you have a debilitating condition, and long-term care insurance carriers won’t approve most applicants older than 75. Most people with long-term care insurance buy it in their mid-50s to mid-60s."
"The cost of long-term care insurance varies widely, but the average 55-year-old man will pay $1,700 per year for a three-year policy that covers $164,000 in care. The average 55-year-old woman will pay $2,675 for the same coverage."
At 72 you probably could not get a policy. And if you could you probably don't need one because you have plenty of money that can be used for your care. If you want to set aside money earmarked for your care open up a separate account and deposit 10 to 15 thousand dollars a year to be used. (while I pulled to amount out of my head I pay 5000 per year and I got my policy when I was in my early 50's)
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.
72 is pretty old to start thinking of LTC insurance. Your premiums may be really high as they are with any insurance policy we get when we are older. We actually dropped a policy because as my DH aged our premiums went up. We actually had it to pay off the mortgage if my DH passed while we still had a mortgage and the girls were under 18. Once they were out of school and the mortgage was paid off, we dropped the policy.
You need to find an agent in ur State. You need to make sure there are cost of living clauses. Policies are based on what the daily rate of care is at the time the policy is written. You need a clause saying the cost of living will be considered at the time you start drawing monies. Will it pay for in home care? If so, can it be a certified aide you hire or does it need to be an approved agency? How does the provider get paid? Money is sent to your account or directly to the provider. You need to sit down with an agent and go over all the options. Then u may want to have a lawyer review the policy.
Source: https://www.nerdwallet.com/article/insurance/long-term-care-insurance
"The cost of long-term care insurance varies widely, but the average 55-year-old man will pay $1,700 per year for a three-year policy that covers $164,000 in care. The average 55-year-old woman will pay $2,675 for the same coverage."
Source: https://www.ramseysolutions.com/insurance/long-term-care-insurance-cost
If you want to set aside money earmarked for your care open up a separate account and deposit 10 to 15 thousand dollars a year to be used.
(while I pulled to amount out of my head I pay 5000 per year and I got my policy when I was in my early 50's)