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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
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When is the best time to start it? My husband is 64 and I am 58. We got married 19 1/2 years ago. It's not cheap, right? My mom has had one for 20 years and is now using it. My brother is her POA and is doing an awesome job.
You mean a long term care insurance policy? People have pointed out that unfortunately they are not what they used to be, few companies offer them at all and those that do have so many restrictions hidden in the fine print that it can be impossible to ever collect on them. And the best time to start would have been 20 years ago.
If you are referring to insurance coverage, please check again. Odds are very good that you will not pass their qualification screening even after paying for years.
my parents had a very good policy. They bought the policies when they were in their early 60s. The cost was $300 per month, each. They paid the policy premiums for 25 years.
when my Dad needed the care, he could not qualify. He had to meet the following criteria...cannot walk, cannot feed himself, cannot toilet himself. Then, you still have to pay the full cost of everything yourself for 6 weeks before the policy kicks in. By the time he qualified for the extra money to pay for caregivers...he survived only 6 weeks. My Mom survived for 9 months. But, the policy lifetime limit was $250,000. And the weekly cap was $750. My dad received $4,500 in benefits...my mom $81,000. But they paid in $180,000
do the math. They would have been far better off to save all that money, even invested in just 3% accounts.
so, the only way you come out to the better is to buy the policy and become eligible very soon there after. I don’t think you can buy a policy even that generous any more.
unless you are millionaires, you cannot possibly save enough to cover late life care. But, if you have enough saved to cover a couple years in nursing homes, then you can pick and choose where you end up. This is because the nicer places require self pay for some period of time first before Medicaid eligibility.
one way or another the owners of these corporations (elderly care, insurance, etc) will drain you of all your financial resources.
I have a question (if you know) does Medicaid always kick in after a certain amount of self pay?
I noticed around here vast majority say they don't accept Medicaid. Is that just for the first (X number of years until money runs out)? Is there a minimum time a person must self pay? Maybe I need to call the care home to get these answers I was just wondering (hoping) if there are government guidelines. Or maybe some places can just refuse Medicaid period?
I'm in Florida and you would think there is a big choice of places here, but not so. Not in NW FL.
BTW the math you posted on the LTC policies is an eye opener, and one of the reasons I have not considered that for myself and DH, yet.
I know some people have success with LTC policies. For my mother, the one my parents bought was expensive to them, ran out in short order when expensive nursing home care was required, and only delayed the inevitability of Medicaid. It’s generally advised to put in place by around age 60. I’m not advising against buying a policy, just saying to be very thorough and know exactly what you’re getting for your money. There are many policies not worth much
Start looking right now. We bought ours in our 50s when it still was reasonable. We pay about $3k a year, it goes up a little every few years. But it gets more expensive the longer you wait to enroll. Ours pays $250/day for either home care or facility, and I know we will have to augment that from our savings. I hope you can still find something affordable, if you choose that route.
I got mine years ago. I purchased thru the company that runs the pension program where I work. Expensive but good payouts. I know a number of people who have used it bothe home care and facility stays.
I have a private duty RN who helps me with dialysis. I self pay right now, but my policy will pay if self pay becomes too much.
I am concerned that getting the insurance company to pay benefits unless you are in a nursing home will be tough, and then you might as well just private pay while waiting for Medicaid
I am moving $130,000 from my IRA to buy a QLAC, an annuity that will start when I am 85. If I am good health, I can use it to travel, etc. If not, my DD can take the money and use it with my SS to put me in AL or pay for an aid.
I think at your ages, it may be too late for LTC. But you never know, you should definitely look in to it. It just seems like you have to pay for the policy for years and years before it is worth anything.
Thanks for all of the responses. I don't think that we will be getting one. Not saying that we won't need it but right now, we can't afford to get it. Living paycheck to paycheck. We shall see. Asking God to keep up safe daily. Mom wanted to use it for Assisted living but she ended up in a memory care facility that is staffed with a nurse 24/7. That was the only requirement of the LTC insurance that she has. For 4 months, she had to pay out of pocket for where she was living. My brother did that for her. Now she is in a better location. From what I can understand, her ltc insurance will be paying for her for 2 years. She is 89. Health is still good. Her mom died at 92. She had a pacemaker.
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 parents had a very good policy. They bought the policies when they were in their early 60s. The cost was $300 per month, each. They paid the policy premiums for 25 years.
when my Dad needed the care, he could not qualify. He had to meet the following criteria...cannot walk, cannot feed himself, cannot toilet himself. Then, you still have to pay the full cost of everything yourself for 6 weeks before the policy kicks in. By the time he qualified for the extra money to pay for caregivers...he survived only 6 weeks. My Mom survived for 9 months. But, the policy lifetime limit was $250,000. And the weekly cap was $750. My dad received $4,500 in benefits...my mom $81,000. But they paid in $180,000
do the math. They would have been far better off to save all that money, even invested in just 3% accounts.
so, the only way you come out to the better is to buy the policy and become eligible very soon there after. I don’t think you can buy a policy even that generous any more.
unless you are millionaires, you cannot possibly save enough to cover late life care. But, if you have enough saved to cover a couple years in nursing homes, then you can pick and choose where you end up. This is because the nicer places require self pay for some period of time first before Medicaid eligibility.
one way or another the owners of these corporations (elderly care, insurance, etc) will drain you of all your financial resources.
healthcare for profit is just evil.
I have a question (if you know) does Medicaid always kick in after a certain amount of self pay?
I noticed around here vast majority say they don't accept Medicaid. Is that just for the first (X number of years until money runs out)? Is there a minimum time a person must self pay? Maybe I need to call the care home to get these answers I was just wondering (hoping) if there are government guidelines. Or maybe some places can just refuse Medicaid period?
I'm in Florida and you would think there is a big choice of places here, but not so. Not in NW FL.
BTW the math you posted on the LTC policies is an eye opener, and one of the reasons I have not considered that for myself and DH, yet.
I have a private duty RN who helps me with dialysis. I self pay right now, but my policy will pay if self pay becomes too much.
I am moving $130,000 from my IRA to buy a QLAC, an annuity that will start when I am 85. If I am good health, I can use it to travel, etc. If not, my DD can take the money and use it with my SS to put me in AL or pay for an aid.