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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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Norene, yes you have been given a lot of good advice. get yourself a edler attorney and also call elder care. Make sure you have all your paper work in order. like you were told everry state does have there only little rules and laws they follow. If you have insuance polices that are paid in full and have the power of attorney, no matter what state you are in and you are the only one listed. call the insurance company up explain mom loved one is ill and you need to cash them in. Setting up a pre paid funeral plan is a great thing to have. Becasue if someting happens you have one less thing to worry about. Not every one has the cash up frount to pay for a furneral/ and the price is locked in. It helped me out. I used moms insurance money to pay for her pre paid funeral expenses years beofre her Alzheimers/Dementia got bad. That wass also before I had to sell the house and a lein was placed by the nursing home for a whole year even though they were paid in full . Also the lawyers and real estate got most of her money/ that was in New York. Florida was different. hope every thing works out for you. You may seem you are going in circles but like everyone on this net work will tell you they have been down the same road one way or another. May you have a blessed holiday season. and that goes for all the cargivers out there thank you so much for your help and love, care, good advice and hugs. patrica61
Mr. Heiser, I've been reading the posts regading cash value insurance policies closely. Upon the death of the insured family member, why would Medicaid not be entitled to the beneficiary amount? I understand the cash value part entering into whether the person is qualified for Medicaid on the front end. Also, I tried to open a pre-paid funeral account directly with the funeral home for my father but was told it is only irrevocable for a short period of time. How does one set up an irrevocable account?
Let's assume the Medicaid recipient owns a life insurance policy. If the life insurance policy proceeds are payable to the estate of the deceased owner (unusual), then indeed the state would be entitled to some or all of that payment. However, if the proceeds are payable to someone else (such as the son or daughter of the deceased owner), then such payment is "non-probate" and under the laws of most states would be protected from a claim from the state for reimbursement for the deceased owner's Medicaid expenses.
I am sorry that some states are going to put lien on insurance polices. In my mother case she lived in New York. Her house was only in her name. I had to sell the house and in a copy of years the insurance and laws were going to change in favor of a lien by the nursing home. All the polices had my name on them and I was able to use them for her biils and funeral cost. I sold her house in 2005 and they had inform me the laws were to change.
D2... Confusion may lie in the use in terms. There is a difference between a "Pre-paid Funeral Account" and an "Irrevocable Funeral Trust" both of which may be funded with life insurance.
A pre-paid funeral account may be revocable or irrevocable. An irrevocable trust is, as its name suggests irrevocable.
Rules are state dependent. In Florida, an irrevocable funeral trust or an irrevocable pre-paid account is not countable. A revocable account is countable if proceeds or life insurance cash value is over $2,500. The account must be deemed a "burial account".
The statement "...is only irrevocable for a short period of time" makes no sense to me in this context. You might try speaking to the funeral home directly to confirm what was said.
So my question is, my mom has COPD now and is a recovering alcoholic and smoker. However, she has rebounded now and it worries me that she has no life insurance at all. I have sat with her on numerous occasions to try and discuss this topic and it only upsets her. She says she will never sign a life insurance policy cause she is going to be around along time. Just fustrated and concerned what to do. She is 68 and just getting older..what can i do? Please help..Kim
A life insurance policy is legally recognized as an asset of the policy owner and it counts against them when qualifying for Medicaid. If a policy has anything more than a minimal amount of cash value (usually in the range of $2,000) it must be liquidated and that money spent towards cost of care before the owner will qualify for Medicaid. All Medicaid applications specifically ask if the applicant owns life insurance and full policy details. Failure to disclose and comply is fraud.
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.
Confusion may lie in the use in terms. There is a difference between a "Pre-paid Funeral Account" and an "Irrevocable Funeral Trust" both of which may be funded with life insurance.
A pre-paid funeral account may be revocable or irrevocable. An irrevocable trust is, as its name suggests irrevocable.
Rules are state dependent. In Florida, an irrevocable funeral trust or an irrevocable pre-paid account is not countable. A revocable account is countable if proceeds or life insurance cash value is over $2,500. The account must be deemed a "burial account".
The statement "...is only irrevocable for a short period of time" makes no sense to me in this context. You might try speaking to the funeral home directly to confirm what was said.