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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.
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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.
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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.
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I am wondering is this legal. It appears to discriminate against the person who desires to want to enjoy life and remarry. I do not understand how a spouse can be considered an extra person.
Lorna, definitely check with an elder law attorney, not a family law attorney. Marrying would have an impact on your finances especially after the age of 65.
My mom married at the age of 80. They were both well situated, financially. They developed a prenuptial agreement. What they did not know is that if either of them had a major medical event, needed nursing home care, that half the assets of the marriage would be the spend down prior to being able to qualify for Medicaid.
Medicaid will not honor a prenuptial. Each of them would become responsible, financially, for the other, pay nursing home fees, etc.
Why not just live together? Have a joining ceremony if you want to do something, not a legal agreement. Be very careful with this it could be financially devastating for both of you.
Just read the profile. Is this a 3rd party asking the question? How old is this woman? I ask because therecare so many other things to look at when u remarry after 65.
First, remarrying may effect her SS. Its based on late husbands SS. Will marrying change that?
Pension, if she is collecting from husband, she may no longer be entitled to it if she remarries.
Then there is Medicaid. Will her money now be considered his too under Medicaid rules?
If they did any sort of vetting before you and your husband moved in, it does make sense that they have approval requirements for new tenants. I would not be surprised if there are additional “qualifiers,” including background checks. Hold off on the marriage until you learn what is at stake for yourself. It may not be a good idea to remarry if it puts you at risk for losing what you have.
As I understand, you buy in so go from Independent living, to AL, to LTC. Most of the buy in goes to LTC. You still pay a fee every month for whatever ur living in.
Did your late husband need LTC? If so, this may be ur problem.
These Contracts are really involved. You may need a lawyer to go over it and see if another person can be brought into the Contract.
BCresident, sounds like this new resident cannot latch onto the benefits that had been offered and paid for by your late husband. When you think about it, it wouldn't be fair for your late husband to be paying for the cost of a new person.
I guess this is part of the risk in buying into one of these communities. Even though deceased husband did not live long enough to use the care services, he never lost what was purchased, he used it while alive, he died too soon to take advantage of all of the benefits.
I am not surprised the contract is not transferrable.
You say in your profile that your now deceased husband had been living with you in this same CCRC.
I hope this doesn’t sound insensitive or crass - but it would seem to me your paid the fees to have two adults living in your residence. It’s not like your trying to sneak in a friend to skip the costs - you are remarrying. Not to imply the men are interchangeable- but I can’t see how it should make any difference to the admiration there. Not unless your new hubby has significantly higher care needs.
You need to read whatever contracts you signed when you became a resident of the CCRC. I highly doubt there is a provision that says you can marry and bring in a spouse who does not have to buy-In. It’s not discrimination.
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.
My mom married at the age of 80. They were both well situated, financially. They developed a prenuptial agreement. What they did not know is that if either of them had a major medical event, needed nursing home care, that half the assets of the marriage would be the spend down prior to being able to qualify for Medicaid.
Medicaid will not honor a prenuptial. Each of them would become responsible, financially, for the other, pay nursing home fees, etc.
Why not just live together? Have a joining ceremony if you want to do something, not a legal agreement. Be very careful with this it could be financially devastating for both of you.
First, remarrying may effect her SS. Its based on late husbands SS. Will marrying change that?
Pension, if she is collecting from husband, she may no longer be entitled to it if she remarries.
Then there is Medicaid. Will her money now be considered his too under Medicaid rules?
Did your late husband need LTC? If so, this may be ur problem.
These Contracts are really involved. You may need a lawyer to go over it and see if another person can be brought into the Contract.
I guess this is part of the risk in buying into one of these communities. Even though deceased husband did not live long enough to use the care services, he never lost what was purchased, he used it while alive, he died too soon to take advantage of all of the benefits.
I am not surprised the contract is not transferrable.
I hope this doesn’t sound insensitive or crass - but it would seem to me your paid the fees to have two adults living in your residence. It’s not like your trying to sneak in a friend to skip the costs - you are remarrying. Not to imply the men are interchangeable- but I can’t see how it should make any difference to the admiration there. Not unless your new hubby has significantly higher care needs.