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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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I acknowledge and authorize
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I consent to the collection of my consumer health data.*
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I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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.
Share a few details and we will match you to trusted home care in your area:
Not me. I figure that if I out live my assets, all the taxes I've paid over the years can kick in and help me out. I have heard too many horror stories about dubious policies to pay for one more insurance premium and who can afford one with the price of medical insurance?
We pay an unimaginable amount of money for our health insurance as self employed individuals. (I am 56 and my husband is 62) Over $24,000 yearly as of 2017. I’m not sure how much Long term insurance is, but I did find an online calculator which gave me an idea of about $300 mo for $8000 mo in care. It would most likely be more since my husband, although he still works 10-12 hours a day, has had rheumatoid arthritis since he was 19. Anyway, just seems pretty affordable to protect what we have worked for all our lives. @cmagnum, I had no idea you couldn’t purchase long term insurance if you’re on disability. So sorry.
I have looked into it several times over the years, it's hard to understand and seems very expensive for most people who are dealing with normal bills/mortgages and taking care of our elders. I hope I am lucky that my home is worth over 2x what I paid for it, and we can move to a cheaper state nearby. I have some money in investments, and it seems ( at this time) that my retirement and our SS and 401s will get us through. unless it doesn't...LOL I worry but try not to stress.
I've considered it, but, doesn't it cut off and then you start using your assets at that point? So, if I die while it's paying, my assets go to my heirs? I don't have any minor heirs, so, I'm trying to figure out is this supposed to help me or surviving adult children who would get the assets in inheritance?
The younger you are when you purchase LTC insurance, the cheaper it is. My DH and I, along with SIL and BIL all purchased LTC policies when we were in our 50s. Not so much because their parents spent their assists (they didn’t have much) but because they didn’t have many choices in their care facilities. It was grueling for SIL trying to find appropriate placement and we didn’t want to go through that. Private pay would have opened up many more choices. Also my DH is 8 years older than I, so we were trying to conserve our savings to pay for care and continued living expenses.
normasdaughter1, nope, even after I saw how expensive it was to get old by watching how much everything cost for my elderly parents. Glad my parents saved big time for that rainy day, as it was storming out there.
My question, money left over in LTC, can the heirs receive the money, or does it all go back to the insurance company?
My very elderly parents were ill only a very short time during the final journey of their lives, so they were self-pay but never used up their rainy day accounts. Thus, the money could be distributed to the relatives or donated to charity.
As for everything in life, there are pros and cons. Some were grateful they had LTC, others were disappointed.
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.
Anyway, just seems pretty affordable to protect what we have worked for all our lives.
@cmagnum, I had no idea you couldn’t purchase long term insurance if you’re on disability. So sorry.
My question, money left over in LTC, can the heirs receive the money, or does it all go back to the insurance company?
My very elderly parents were ill only a very short time during the final journey of their lives, so they were self-pay but never used up their rainy day accounts. Thus, the money could be distributed to the relatives or donated to charity.
As for everything in life, there are pros and cons. Some were grateful they had LTC, others were disappointed.