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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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Start planning for retirement as early as possible, so you ample time to build a retirement base. Remember, when you retire from an organization it requires so many years of work to get full retirement. The same principle is true in your personal retirement. Begin early, stay away from quick rich retirement schemes, find a solid investment that has at least a twenty year history of increasing value and don't rely on so called professionals to manage your money
Call your local senior services agency...the Council on Aging, or whatever your local government calls senior assistance. They should be able to direct you to a number of resources.
Medicare is pretty straightforward -you apply 3 mos before 65th birthday.even if you are not going to use it as your employers health insurance is available.
SS more complex. Others have given great resources. Keep in mind that the longer you wait till 70 to get SS, the bigger the payment for the rest of your life. Like if $ 1900 at 62, it would be $2500 at 66 & $3100 at 70. If you are likely to live a long life this is quite the difference.
If you have money you can plan a lot if you don't best you be happy in the place you live If it was a happy place before it will still be join seniors groups very cheap find all free resources and activity's rich people live like poor and poor like rich I see milliares walking in the sand at the beaches talking to fishermen and poor people at art shows looking at fine art money is nearly a medium a poor man can retire a rich man can not he has to keep on making money all his life inoerder to stay rich
I started collecting SS at 62. When I turned 65 it was automatic because I was already collecting SS. For me to wait till 66 was only a $200 difference. In the 4yrs I will be collecting I would make 36,000. Divide that by 2400 (200x 12) it would take 15 yrs to make up the difference I've lost. I could be dead by then so. Enjoying it now. The big difference only happns if you made a lot of money in the last 35yrs.
If ur employed, you need to find out how ur medical will be once ur 65 if u keep working. Some employers may drop ur medical to a supplemental. Then u need to pick up Medicare as primary. Best thing, make an appt at ur local Social Security office and see what they can tellu.
I would advise anyone in the Retirement Red Zone to talk with a paid Social Security expert. We had one give a training at our company and half the employees over 55 paid for his private help (which was about $200-250). There are so many things that are very costly to miss that you might not find out on your own. He, and I assume other experts in this area, had a program that took all of your information and gave you the best logical options for how to plan your Social Security. With spousal benefits and the cost/benefit of when you start taking it, this decision is probably the most important pre-retirement one you'll make. Spend the $200-250 and have a pro help you.
Also talk to your tax accountant. The Social security Adm. will tell you how much you have earned and can estimate what you will receive & at what age.What ever you do, do not retire early, as you will be penalized a percentage of your income. My tax accountant recommended two other sources of income besides SSI. Plan to have or have saved for an annuity that you can draw from each month. Also, if you have been employed in a state system, there is a certain amount of retirement that is paid out as well in monthly sums. If you decide to take out all of your saved funds, they will be taxed accordingly. If you are a number of years from retiring start saving right now as much as you can, & find someone you can trust to help you with this. You can actually tax defer funds into an IRA each year before you retire, so look into this as soon as you can if you haven't already;
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.
You can also go to this page and on the right side, you can "Find Someone To Talk To" by putting in your state: https://www.medicare.gov/forms-help-and-resources/index.html
And here's the Contact Us page for Social Security: http://www.ssa.gov/agency/contact/
Good luck!
Congratulations and good luck!
SS more complex. Others have given great resources. Keep in mind that the longer you wait till 70 to get SS, the bigger the payment for the rest of your life.
Like if $ 1900 at 62, it would be $2500 at 66 & $3100 at 70. If you are likely to live a long life this is quite the difference.
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