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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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Annette, when a couple has one person going on Medicaid, the rules for community spouse allowance and pensions get quite complicated. You would be best served to consult an attorney familiar with elder care and Medicaid in your state. Do you mean "use as asset" for qualification or "use as asset" to make you spend it? Quite different questions. Please consult an attorney as they can make sure that you are protected and have living allowance as spouse still in the community.
Digital - an annuity is NOT a trust. Regarding ABLE accounts, these are ONLY for individuals who have an illness or disability existing before age 26 or have a pre-existing medical situation with a supporting medical file of longstanding that qualifies under the ABLE list of compassionate diseases. So someone with childhood polio, mental retardation, MS, Cerebral palsy, etc can probably qualify to open an ABLE account & do their ABLE however your state has decided they need to be managed.
ABLE underwriting seems to have stalled in some states with the issue that as many that qualify for AbLE have long standing mental health issues - schizophrenia, manic / depressive, suicide attempts, - so they have impaired functioning & their ABLE accounts need oversight
ABLE is limited to 14k a year. For those in a NH with monthly costs of 5k to 18k a month, doing an ABLE may not be worth the paperwork to keep up with versus just having them as “duals” on Medicare & Medicaid.
Those with Alzheimer’s do NOT qualify for ABLE.
But If I’m not mistaken, FrontoTemporal dementia is on the compassionate list but they have to show a clear long medical history of cognitive breakdown due to the FTD.
Offshore accounts.... rotflmao! Isle of Man is like liquid 5M min. UK’ers on this site (CountryMouse!) probably have better insight on IoM shennnigans. Really imo offshore needs real $$$; not someone who puts 14k aside each year on thier ABLE account.
I agree with consulting a lawyer for your protection. However, I must forewarn you after having done research about trusts, be very wary of turning your assets over into the name of someone else because there's no guarantee the trustee will do the righ I agree with consulting a lawyer for your protection. However, I must forewarn you after having done research about trusts, be very wary of turning your assets over into the name of someone else because there's no guarantee the trustee will do the right thing and act on your behalf. Trusts I heard are very expensive anyway, but please do your research on trusts and the risks of having your assets in someone else's name. When you turn assets over into someone else's name, it becomes their property and they can do with it whatever they want and even sell it out from under you or spend your money however they like. Don't put your money or assets into a trust especially with fraud being on the rise and also consider elder financial abuse among other crimes also being on the rise. You just can't trust anyone anymore with valuable belonging to you because anything involving money it's just too tempting for people these days. You're best off just to handle your own money and since you have a savings, I would hurry up and hide it somewhere safe, maybe even out of state or offshore if you don't need it right now. If there are bills that need to be paid or some other necessary expense that should be covered, I would just go ahead and use the money for that. If you happen to have Social Security though, you can open an able account and put all of your money in there or you can put part of it in the able account and part of it into APOD which is payable on death to a specific designated beneficiary. There are so many options out there it's just not funny but be very careful and choose wisely so you're not defrauded
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.
Thumbs up, igloo, knowledgeable & informative, as always !!! Happy holidays...
Grace + Peace,
Bob
Regarding ABLE accounts, these are ONLY for individuals who have an illness or disability existing before age 26 or have a pre-existing medical situation with a supporting medical file of longstanding that qualifies under the ABLE list of compassionate diseases. So someone with childhood polio, mental retardation, MS, Cerebral palsy, etc can probably qualify to open an ABLE account & do their ABLE however your state has decided they need to be managed.
ABLE underwriting seems to have stalled in some states with the issue that as many that qualify for AbLE have long standing mental health issues - schizophrenia, manic / depressive, suicide attempts, - so they have impaired functioning & their ABLE accounts need oversight
ABLE is limited to 14k a year. For those in a NH with monthly costs of 5k to 18k a month, doing an ABLE may not be worth the paperwork to keep up with versus just having them as “duals” on Medicare & Medicaid.
Those with Alzheimer’s do NOT qualify for ABLE.
But If I’m not mistaken, FrontoTemporal dementia is on the compassionate list but they have to show a clear long medical history of cognitive breakdown due to the FTD.
Offshore accounts.... rotflmao! Isle of Man is like liquid 5M min. UK’ers on this site (CountryMouse!) probably have better insight on IoM shennnigans. Really imo offshore needs real $$$; not someone who puts 14k aside each year on thier ABLE account.