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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:
okowgirl, the vast majority of family caregivers do not get paid... unless their parent or spouse can pay from their own savings. If your Dad can do that, plus your husband, then you would need to prepare an employment agreement.
As for your health insurance, you would now need to search to find your own insurance. I was able to get COBRA when I left my job, and that was good for 18 months. But I had to pay for policy but it was cheaper than getting it on the open market.
Many states make health insurance available to low-income households via the Affordable Care Act. (Some states don't, though. You'll have to see if yours participates.)
Medicaid is the only program I'm aware of that (in some states) will pay a family member for caregiving. This could apply to your father, but I don't think it would apply to your husband. It is not really enough to support your household, but it all helps, I suppose. Plus Medicaid covers a lot of other expenses, which can help out a lot. Eye glasses, hearing aides, medicine co-pays, doctor visits, etc.
What makes you certain that neither your dad nor your husband would qualify for Medicaid? Have you looked into applying?
What state are you in? CA, for instance, does provide insurance through the Affordable Care Act. I am very fortunate to have great coverage with Kaiser Permanente with a low premium for it.
I am in Florida and relatives have Medicaid. They have a hard time finding a Dr who take it. Affordable Care act is blue shield and the same Dr's just don't take it in my area.
Sometimes on this forum posters mention setting up a Miller trust, for those who make too much for Medicaid, to then be eligible for it (extra money goes to the trust). Apparently this can be done in some states. Maybe this is something to check into as a possibility? Also, could you contact your county's Area Agency on Aging for your dad and see if there is anything he qualifies for?
Just brainstorming here as I am hoping there is at least something that could do something to lessen this heavy load you are carrying!
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.
https://www.agingcare.com/articles/personal-care-agreements-compensate-family-caregivers-181562.htm
As for your health insurance, you would now need to search to find your own insurance. I was able to get COBRA when I left my job, and that was good for 18 months. But I had to pay for policy but it was cheaper than getting it on the open market.
Medicaid is the only program I'm aware of that (in some states) will pay a family member for caregiving. This could apply to your father, but I don't think it would apply to your husband. It is not really enough to support your household, but it all helps, I suppose. Plus Medicaid covers a lot of other expenses, which can help out a lot. Eye glasses, hearing aides, medicine co-pays, doctor visits, etc.
What makes you certain that neither your dad nor your husband would qualify for Medicaid? Have you looked into applying?
Sometimes on this forum posters mention setting up a Miller trust, for those who make too much for Medicaid, to then be eligible for it (extra money goes to the trust). Apparently this can be done in some states. Maybe this is something to check into as a possibility? Also, could you contact your county's Area Agency on Aging for your dad and see if there is anything he qualifies for?
Just brainstorming here as I am hoping there is at least something that could do something to lessen this heavy load you are carrying!