Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
Who is “they”? If they is Medicaid, the life insurance policy has to be cashed out if it has cash value. If it doesn’t have cash value then Medicaid will go after after it during the estate recovery process if the Medicaid recipients estate is beneficiary of the policy.
If long term insurance is paying the way then no. If Medicaid gets involved than yes. When Medicaid is applied for, any insurance policies with cash value will need to be cashed in to offset cost of care. These are policies paid for by the recipient. Employer owned and those with no cash value are not included, to my knowledge. I have never heard of a policy being involved in an estate. Usually, there is a beneficiary and that beneficiary receives the money. Not sure what happens when that beneficiary is a Community spouse.
My GFs stepmother died leaving her life insurance to her daughter, only child, 100k. Assuming her daughter would use what was needed for her funeral. The daughter didn't and nothing could be done because it was now the daughter's money. She could not be made responsible for any of her mother's bills.
A good question would be, if SMom had been on Medicaid in a nursing home how would this have worked out. The policy was thru her employer. Could Medicaid come after the daughter?
My understanding is whole life as it has cash value has to be cashed in. As it’s cash value is an asset. Then that $ used for spend down before Medicaid eligibility.
Term is different. It is the face value of the property that counts. Even if the death value end up more, like way way more. It’s all about face value for application. But states can place a qualifier on value of term life policy. Like if over a set value - maybe 5k or 25k will totally depend on your state law/administrative code - state may require them (state) to be added as the primary beneficiary and if after death & term insurance payout to state any $ left then it goes to the other beneficiaries. But otherwise, term gets paid to whomever is beneficiary and outside of probate unless deceased estate is named as beneficiary. My dad, who died 1980’s, had it this way as the thought was the wee little widow could not possibly handle finances so it would go to probate as an asset of the estate with probate atty taking care of $ issues.
GULs seems depends on how the overall group policy done. I think a lot of GUL stop payout like age 80. So not an issue for Medicaid as they aged out of the life insurance before Medicaid ever got applied for. I’ve found maybe 1 article on GULs and Medicaid, seems it’s not common.
Carnett, your elders LTC insurance policy will eventually run out. What then? Do they have enough $ to private pay for NH? NH expect to be paid in full each month. Whether private pay or Medicaid. They aren’t going to wait to get paid from a life insurance policy. You need to have a plan for when LTC insurance defunds imo.
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.
My GFs stepmother died leaving her life insurance to her daughter, only child, 100k. Assuming her daughter would use what was needed for her funeral. The daughter didn't and nothing could be done because it was now the daughter's money. She could not be made responsible for any of her mother's bills.
A good question would be, if SMom had been on Medicaid in a nursing home how would this have worked out. The policy was thru her employer. Could Medicaid come after the daughter?
Term is different. It is the face value of the property that counts. Even if the death value end up more, like way way more. It’s all about face value for application. But states can place a qualifier on value of term life policy. Like if over a set value - maybe 5k or 25k will totally depend on your state law/administrative code - state may require them (state) to be added as the primary beneficiary and if after death & term insurance payout to state any $ left then it goes to the other beneficiaries. But otherwise, term gets paid to whomever is beneficiary and outside of probate unless deceased estate is named as beneficiary. My dad, who died 1980’s, had it this way as the thought was the wee little widow could not possibly handle finances so it would go to probate as an asset of the estate with probate atty taking care of $ issues.
GULs seems depends on how the overall group policy done. I think a lot of GUL stop payout like age 80. So not an issue for Medicaid as they aged out of the life insurance before Medicaid ever got applied for. I’ve found maybe 1 article on GULs and Medicaid, seems it’s not common.
Carnett, your elders LTC insurance policy will eventually run out.
What then? Do they have enough $ to private pay for NH? NH expect to be paid in full each month. Whether private pay or Medicaid. They aren’t going to wait to get paid from a life insurance policy. You need to have a plan for when LTC insurance defunds imo.