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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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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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I looked into a LTC Policy last month. Now I am in Canada and 52, so a couple differences. My parents are 84 and 89. Mum could easily pass for 65, is active independent and has no health issues. Dad has a stroke 3 years ago, has had a remarkable recovery (here all the costs related to the stroke are covered by our Provincial Health Insurance, hospital, rehab. etc), Dad lives with my brother most the year and my son is with him over the summer. He still drives, manages his adls, but is slipping a bit mentally.
First off it is expensive, for lifetime coverage and a 180 day waiting period I am looking at $210.00 per month with no change in the rates for 5 years. After 10 years I can get a paid up policy for a reduced premium.
Secondly, according the my insurance agent, there are far fewer companies offering it now than were 10 years ago. Modern medicine means people are living longer, but needing far more care than ever before.
If I am as healthy as Mum, and I saved the money on my own, I would have almost $200,000 saved up by age 84, at 5% interest. If I die sooner, that money would be part of my estate.
The value of my home at today's LTC rates would cover would cover 54 months of care. If I assume that house values and LTC rates will increase at the same rate, then I would be covered for quite a while in care.
Canada allows Medical Assistance in Dying. Currently I cannot give permission ahead of time to die if I become demented, but I have made my wishes known. The laws may change in the future. Luckily, dementia does not run in my family, nor does cancer, except skin cancer.
I will be meeting with my agent later this month to discuss this further, but I am leaning towards self funding. I am not one who feels I have to leave anything to the kids. I have given them a lifetime of memories. I also do not expect my kids to in any way be responsible for my care. I do not have a spouse.
JD - at 57 your still in the age range to get a decent rate. But you might want to look at hybrid type of life insurance/ LTC insurance plan. These usually need a big chuck of $ to put into force initially but gives you oodles more flexibility as it’s life insurance BUT you can take some of the $ instead to use for LTC insurers payment. My BIL did one from moving enough $$ from investments to buy the insurance. These don’t seem to work for monthly type of insurance policy but need upfront larger sum paid to place in force and then afterwards a monthly or quarterly or semiannually premium. Usually it’s a financial advisor (they have insurance licenses) who does these as it’s the $ in your portfolio that gets moved to buy the policy.
So if you get hit by a bus at 75, it pays beneficiary like a traditional life insurance. But you get dementia at 85 & need a facility, it can draw for that instead. Remember that most policies have a required period of self pay before the LTC kicks in, you imo want that as short as possible (like 30 days not 120 days) and you want it with inflation index & this automatically done (so if cost go up, the daily payable rate too goes up). And that payment is good for BOTH inhome AND facility care.
You know I remember your posts. Your mom’s the one whose hubs was in a NH & all his monthly income but $45 went to your mom as her Community Spouse Resouce Allowance, right? Your dads Medicaid copay was just $45 a mo.... $45 a mo! Plus he got his personal needs allowance. Your Mom still alive & being a pill? You know in many ways your fortunate in that you’ve been through oh so much so know realistically what the costs are both financially and emotionally for family that’s DPOA & support. Let us know what you find out what your options are as we all learn from each other. Good luck!
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.
First off it is expensive, for lifetime coverage and a 180 day waiting period I am looking at $210.00 per month with no change in the rates for 5 years. After 10 years I can get a paid up policy for a reduced premium.
Secondly, according the my insurance agent, there are far fewer companies offering it now than were 10 years ago. Modern medicine means people are living longer, but needing far more care than ever before.
If I am as healthy as Mum, and I saved the money on my own, I would have almost $200,000 saved up by age 84, at 5% interest. If I die sooner, that money would be part of my estate.
The value of my home at today's LTC rates would cover would cover 54 months of care. If I assume that house values and LTC rates will increase at the same rate, then I would be covered for quite a while in care.
Canada allows Medical Assistance in Dying. Currently I cannot give permission ahead of time to die if I become demented, but I have made my wishes known. The laws may change in the future. Luckily, dementia does not run in my family, nor does cancer, except skin cancer.
I will be meeting with my agent later this month to discuss this further, but I am leaning towards self funding. I am not one who feels I have to leave anything to the kids. I have given them a lifetime of memories. I also do not expect my kids to in any way be responsible for my care. I do not have a spouse.
So if you get hit by a bus at 75, it pays beneficiary like a traditional life insurance. But you get dementia at 85 & need a facility, it can draw for that instead. Remember that most policies have a required period of self pay before the LTC kicks in, you imo want that as short as possible (like 30 days not 120 days) and you want it with inflation index & this automatically done (so if cost go up, the daily payable rate too goes up). And that payment is good for BOTH inhome AND facility care.
You know I remember your posts. Your mom’s the one whose hubs was in a NH & all his monthly income but $45 went to your mom as her Community Spouse Resouce Allowance, right? Your dads Medicaid copay was just $45 a mo.... $45 a mo! Plus he got his personal needs allowance. Your Mom still alive & being a pill?
You know in many ways your fortunate in that you’ve been through oh so much so know realistically what the costs are both financially and emotionally for family that’s DPOA & support. Let us know what you find out what your options are as we all learn from each other. Good luck!