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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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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.
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There is an organisation called the National Association of Insurance Commissioners which provides guidance for tracking down policies in the USA. Try their website; but if you have no policy numbers, no documents, no bank statements or other records of premium payments... you're going to have a struggle on your hands.
She must have paid premiums to someone. If u can't find the policies go this route. Do you have POA? The insurance company may give you basic info but not who is beneficiary unless it is you. I had no problem with Moms.
Speaking of insurance policies...Those of you who have retired family members who worked for the government this is how their life insurance may work after death. And note, I said retired. This is what I found out about my ex-husband who was a Postal employee. Upon retirement their pension and life insurance is handled by the government out of offices in PA. Ex was given a $25,000 insurance policy. There have been some problems with his half sister having his ashes buried in a timely manner. So our daughter applied to the facility explaining she was his only child but had been adopted by my present husband so my ex gave up all rights to his daughter and she to him. She just wanted to know if she was beneficiary to the insurance so she could pay to bury him. They honored her request but sent the info to the Funeral Home director who called her with the info. Seems this policy is set up that funeral arrangements have to be paid for before beneficiary can receive the balance of the money. No, my daughter wasn't beneficiary, he made his Dad beneficiary who died a few years back. So now the half sister is going to need to prove its her father before they release the money.
If you have enough of your mothers information, such as her social security number and the name of the insurance company and the policy number - you out to be able to go to the insurance company web site and find out the information you're looking for.
Can you locate the insurance company online? If so, they should be able to help you if you give her name. I talked to my mother's insurance companies while she was still living and had flipped out about a piece of mail she had received from said company. It was nothing...I resolved it in a minute or two.
Are you in control of her finances? If yes, try to talk with her about what she feels she needs to be paying on. If she doesn't want or refuses to talk, and working through the other suggested organizations doesn't help, try talking with your own insurance agent and ask what you can do legally to obtain information. I know as a nurse working with the geriatric population they don't think in the same reasonable steps as they did when younger. They may have been sold on a policy when in fact your mother doesn't need it. Or she may have taken a policy out to address a fear a friend talked about. Being a sleuth on our parents business can be tough. Hang tough and keep us posted.
When I was made POA for a married couple friends of mine, I got put on their checking account as a "signee" and began to monitor their spending on-line, noting what they were writing checks for. Then I started going through their piles of paper and finding both paid and unpaid bills. They did have files, too, but no longer were keeping them up and that is where I found things like insurance papers. Their financial records made reference to long term care insurance policies and their id numbers and once I had those, I could begin to make progress getting involved with them, once I proved to them I was their POA. If you are a POA, it is a good idea to get several "originals" to start with because some institutions want to see/have an original copy proving you are. You don't have to be a POA to snoop through her papers, but if there aren't any to go through, her bank statements are a good starting place--looking a the personal check copies
So, just asking her straightforward is out of the question? Why do you want/need to know? Just out of curiosity or is it info you have to have. As hubby and I age, I find our kids are a little more concerned about this kind of thing. Frankly, at ages 60 & 65 ( and still taking care of our own aging moms!!) this isn't any of their business. I'm just wondering why she won't just tell you. Our insurance "guy" is our son's best friend. Son happened to "ask" casually just about our solvency and retirement acct and this guy wouldn't tell our son a thing. After daddy died, Mother told all of us where her papers are kept, keeps the executor son in the loop and he shares with us if we ask. All we are worried about is that she has enough to keep her in Long Term care if we need to. Only if your mom is incapable of making decisions--and if you aren't POA, you might find yourself hitting a lot of brick walls. Just my opinion.
Um. I'd sort of guessed that the OP's mother had passed away - which would make asking her pretty much out of the question. I'd be delighted to have been wrong, of course. Anyway, the OP hasn't come back so let's hope she got it sorted out.
When I tried to find out about a policy my mom had, the company wouldn't release any information to me until I got Durable Power of Attorney and sent them a copy. Actually, they did me a favor because I had to have POA on more than one occasion to obtain information.
Your question indicates that you may know the name of the insurance company that your mother had been dealing with. If there is information on her insurance agent, call them. Or, call the life insurance company's customer service department and ask for information. They may require that you have authority, such as Power of Attorney (if your mother is still living) or appointment as Personal Representative of her estate.
If the insurance company has merged or gone out of business, you can find information about successor insurance companies that may have taken over the policy at: http://www3.ambest.com/ratings/entities/search.aspx?
The Insurance Information Institute has a list of 12 steps you can take to track down life insurance policy information: http://www.iii.org/article/how-can-i-locate-lost-life-insurance-policy
Step 12 includes a link to the insurance industry trade group that has access to search all applications for life insurance policies have been filed since 1996:
http://www.mib.com/lost_life_insurance.html
Effective Estate Planning includes organizing asset information, making it easier to manage and settle an estate.
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.
As hubby and I age, I find our kids are a little more concerned about this kind of thing. Frankly, at ages 60 & 65 ( and still taking care of our own aging moms!!) this isn't any of their business. I'm just wondering why she won't just tell you.
Our insurance "guy" is our son's best friend. Son happened to "ask" casually just about our solvency and retirement acct and this guy wouldn't tell our son a thing.
After daddy died, Mother told all of us where her papers are kept, keeps the executor son in the loop and he shares with us if we ask. All we are worried about is that she has enough to keep her in Long Term care if we need to.
Only if your mom is incapable of making decisions--and if you aren't POA, you might find yourself hitting a lot of brick walls. Just my opinion.
If the insurance company has merged or gone out of business, you can find information about successor insurance companies that may have taken over the policy at:
http://www3.ambest.com/ratings/entities/search.aspx?
The Insurance Information Institute has a list of 12 steps you can take to track down life insurance policy information:
http://www.iii.org/article/how-can-i-locate-lost-life-insurance-policy
Step 12 includes a link to the insurance industry trade group that has access to search all applications for life insurance policies have been filed since 1996:
http://www.mib.com/lost_life_insurance.html
Effective Estate Planning includes organizing asset information, making it easier to manage and settle an estate.