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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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A word of general caution about applying homeowner's insurance liability coverage to this situation. While it is true that typical policies do afford both legal liability and work. comp benefits, this does NOT apply to non occasional employees. An example or two clears this up. If you employ a gardener, pool service, the limited amount of time spent per time period is minimal. A maid employed under a certain amount of hours per week, i.e. less than 4 hours, may be covered. (Your policy will stipulate the amount of allowable hours per some time period, i.e. monthly, quarterly. Also, the nature of the work matters. A pool service is incidental to the operation of a home, a care giver has nothing to do with it. For those two reasons, hours worked and relationship to the location, would exclude a home care giver from being covered by a typical homeowners policy.
I live in Texas and I was able to get a workman's comp policy through my insurance agent for our home health aide. I also have an umbrella policy to protect assets that are not exempt under Texas law.
For new home health care givers what type of liability insurance do I need to get? I am going to someone's home. Do you recommend any specific type and company for insurance?
For your protection call a private in home care agency in your area. Most of them now insure their caregivers so that all the extra work is done for you. Private Agency Caregivers are also screened thoroughly with National background checks, and are also medically fit for the task to care for your loved one (TB shots, etc). Hiring independently, is like having your own agency...you'll have to pay for anything that could go wrong & what about taxes?
I am hiring some one to work part time in my mothers home right now. If you pay more than $1800 per year you have to pay unemployment, medicare, social security. If you hire them full time you have to get workers comp insurance. Even if you dont hire them full time you probably should get workers comp because usually home owners insurance, their own insurance and I think auto insurance doesnt cover job related injury. IT is more for your protection because with wc you have insurance and usually if they agree with wc you are limited on what you have to pay. Otherwise they can sue you for everything you own and also everything you will ever own.
Hi! We've met before on the Yahoo! group I used to be on. I think your idea is wonderful. It is, however, something you want to get with an attorney on. Insurance to protect both you and your tenants is mandatory. Imagine you have one unhappy family if a loved one is hurt in your house. Even though accidents happen, some people are happy to sue. I would get with a lawyer to make sure you are well protected. One lawsuit could cost your everything.
I hope that everything goes well. I have the feeling your house is going to be a great place to live.
Hi N1K2R3...I understand what your saying, but this home will be different. The idea is to find independent seniors and provide a family home for them before the decline of constant isolation takes hold of them. There will only be three living here with my husband, son and myself. I have one gentleman here so far, but he is a family friend. We are looking for two more and I need to have the insurance in place before they get here. This home is more like a tranquil bed and breakfast than a boarding house, all inclusive, activities, community service, family get togethers, guest speakers,day trip, etc. It's a new way of handling an old option.
Residential Homes are usually pits. Think twice about opening a "residential home", a place where five to fifteen people share living quarters in a single-family residence that has been deemed for "Residential Home" status.. I wouldn't send my worst enemy to one of those places. Ugh.
Your own Homeowner's Insurance should cover anyone who enters you home and becomes a victim of a fall or burn, or accident of almost any kind. It's under the category known as "Liability" . Check your policy or better yet, call your agent or agency. They should explain the limits of liability to you.
Sadly, liability protection for people who take responsibility for disabled relatives is one of a dozen considerations that can become more important than getting good care for your disabled relative. By the time you've covered your liability exposure, minimized your legal exposure, protected your assets, bolstered your retirement, minimized your tax exposure and maximized your tax deductions, you can then focus on giving good care to your disabled loved one if they're still living. Just as sadly, the best way to get the best care for a disabled loved one is to give it yourself. As you tell yourself you just can't do that, notice how many of the reasons you can't do that center around your cash flow, your security, your needs, your wants. The better you take care of you, the less you have to give your loved one, and vice versa. And if it's your parent who needs the care, try not to think of all the things they sacrificed so that you got good care when you needed it as a baby, a toddler, and as a child. If you can find a balance in all this, you're more successful than I've been. My wife and I have just about killed (and bankrupted) ourselves giving care to our parents, but what we and our loved ones have gotten in return has made it all worth it. Good Luck. God Bless You.
I'm starting a residential home and am wondering about liability insurance as well. I am covered for liability through my home owner's insurance (does your mother have home owner's insurance?), but I'm not sure where to go to have the business side of it covered. If anyone has any suggestions I'd appreciate them.
You should check with your state employment people. If the caregiver is with an agency, they should be carrying the insurance. But if you are hiring someone who works for themselves, you may be responsible to pay worker's compensation insurance. Each state will be different, so please check it out. Take care, Carol
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 hope that everything goes well. I have the feeling your house is going to be a great place to live.
I wouldn't send my worst enemy to one of those places. Ugh.
Take care,
Carol