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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.
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They would have to be joint on the account in order for him to access the money without some legal proceeding, e.g. becoming conservator or guardian. Otherwise the money will need to go through probate and be distributed as written in the will. I don't know of any states that would do this differently, though there may be some out there. My parents lived in a community property state, but had separate bank accounts. My father's money had to go through a 6-month probate period when he died before it was given to my mother.
Generally, uless he's a joint signatory, I don't see how he could without going through legal proceedings to obtain control of her finances.
FF is right though; there may be some state legislation specific to that. I also don't know that much about community property and whether he would have access under that principle.
Generally for security reasons, there would have to be some kind of process to go through such as for guardianship in order to take over someone else's financial affairs, including accessing their assets and bank accounts. Unless it's a joint account, you can't just walk into a bank and access someone else's account, it just doesn't work that way. When my surrogate dad had a bank account, no one else could access it. Now when he put me on the account at one time, that was different because I could go in and get money to bring groceries in and also arrange online bill pay to pay the bills automatically so that he didn't have to worry about it. When he got to the point he could no longer live on his own, I was in no position to be able to properly care for him. A court appointed guardian was assigned and I was removed from the bank account by that guardian where the guardian took over all of the affairs. I don't know how long of a process this was, but I can tell you that the bank will definitely tell you when you can no longer access a joint account under certain circumstances. At the time I didn't know what was going on, but in the end I eventually found out, which is how I found out that a guardian was court appointed. My surrogate dad developed dementia, and I was just not equipped to be able to handle it anymore beyond a certain point. This is why a court appointed guardian had to take over all of his affairs, including his bank account. I can honestly say that I'm very glad that I listened to my gut feeling not to put anything into that account because I would've had to fight to get it back. The least I could say yes the bills got paid and groceries were brought in. We did have extra money at the end of each month when I was on the account versus before I was on the account and he had nothing. Sometimes it helps to have a skilled trustee on the account because sometimes a trustee knows some banking secrets to help make the other person's life better. If the elderly wife has become incompetent, then the elderly husband will definitely have to go for guardianship to gain access to his wife's bank account if he's not on that account. Banks are very serious about the customer protection, and I'm very sure workers are very thoroughly screened before ever being trusted with money. Potential employees must pass the test before ever being trusted to handle other peoples money because they represent the bank when they're hired. When hired, bank workers must remain trustworthy by meeting a certain standard. This is why you can't just walk into any bank and access someone else's account without taking certain proper steps. If you have any questions, you can direct them to either the teller or the banker who will guide you and tell you where you need to start.
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.
Or is this a situation, where the wife had the saving account prior to her getting married, and is there a pre-nup?
FF is right though; there may be some state legislation specific to that. I also don't know that much about community property and whether he would have access under that principle.