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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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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.
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Jossie, if you are able to get life insurance for your Mom, please note that some policies won't pay out if anything should happen to your Mom within the first year or two of having the policy.
Life insurance works on the premise that you will likely live long enough such that the premiums plus the investment of the premiums by the agency are greater than what the insurer pays you....else insurance companies would fold. Therefore they do not provide new life insurance policies to the elderly or terminally ill....as their life expectancy is short.....if you could the rates would be exhibit ant.
Late stage life insurance is like trying to bet on roulette after the ball slowed down and is almost set.
What type of insurance? You can purchase life insurance from some companies, but the premiums will be very high since she is 82. Insurance companies are in the business of making money, so will want what you pay in to be greater than they will pay out. A few companies offer term life without questions up til age 85. The premiums are high for a "unit" of insurance. Be sure to ask what the unit is.
She has to answer several health questions and sign to verify they are accurately answered. Alzheimer's makes her almost uninsurable. Don't believe the ads on TV. The most you will get is a $25K policy for about $400 a month, and for the first 3 years they only refund the premiums you paid in. My FIL was dumb enough to buy such a policy.
What is the goal of the insurance? Is it to have $ to pay for a funeral & burial, that is better done by going and paying in full for a pre-need funeral agreement. If there is Medicaid possibly in your mom's future, you need to make sure the policy is irrevocable with no cash value in order for it to be OK for Medicaid.
OR is this for life insurance to leave $ to family? That is going to be very very expensive and if you can find a company that will insure an 82 yr old with Alz, the face value of the policy will likely be small (10K - 25K) with the premiums required to be the same amount if not more. Again if Medicaid may need to be applied for, you may find that moving 25k in assets to buy a life insurance policy at this late date will be viewed as doing this for Medicaid asset avoidance and get a transfer penalty of the amount paid for the insurance policy unless the beneficiary is the state.
For health insurance, she should be on Medicare as almost everybody in the US qualifies for Medicare once they turn 65.
Pam - the commercials ads for those insurance policies should be banned. I don't know what is more egregious, the Reverse Mortgage shills or the life insurance ones. yeah sure & I have some land for you to buy on the Louisiana coastline….
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.
Late stage life insurance is like trying to bet on roulette after the ball slowed down and is almost set.
Is it to have $ to pay for a funeral & burial, that is better done by going and paying in full for a pre-need funeral agreement. If there is Medicaid possibly in your mom's future, you need to make sure the policy is irrevocable with no cash value in order for it to be OK for Medicaid.
OR is this for life insurance to leave $ to family? That is going to be very very expensive and if you can find a company that will insure an 82 yr old with Alz, the face value of the policy will likely be small (10K - 25K) with the premiums required to be the same amount if not more. Again if Medicaid may need to be applied for, you may find that moving 25k in assets to buy a life insurance policy at this late date will be viewed as doing this for Medicaid asset avoidance and get a transfer penalty of the amount paid for the insurance policy unless the beneficiary is the state.
For health insurance, she should be on Medicare as almost everybody in the US qualifies for Medicare once they turn 65.
Pam - the commercials ads for those insurance policies should be banned. I don't know what is more egregious, the Reverse Mortgage shills or the life insurance ones. yeah sure & I have some land for you to buy on the Louisiana coastline….