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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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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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She paid into this policy for many years, every month. She lived in another state and I moved her into my home. She was diagnosed in the later stages at that point and that is about the same time that she stopped paying into this policy.
I would look at the policy carefully. See if there is any mention of waiver of premiums for disability (Alzheimer's). Also see if there is an accelerated death benefit clause, which pays if someone is not expected to live more than 6-12 months (if this is the case). You can also have an elder law attorney review the policy, and let you know your options. I would also check with your local Alzheimer's organizations for assistance.
Caution: I would not involve a funeral home/crematory. Beneficiaries should come first. Term Policies are final....no pay, no coverage. Other policies such as whole life and permanent insurance MAY have a loan value, hence, the unpaid premiums could be taken out as a "loan" against the proceeds. This must be paid back of course. When the insured passes, why not just pay the funeral home? Why let life insurance get involved at all? When my husband died, I forked over $27,000. to the funeral home. They could care less about any insurance. Where am I going wrong?
We don't know what type of policy it is. If it was an annuity policy, then the payments would be deducted from the value of the policy and insurance would have been continued until the balance was zero. That the insurance company didn't pay hinted to me it was term life which had not been paid on for a while. Unless we know what type policy it is, there's not much more we can say.
Read the policy clearly & carefully to see what the terms are for default. If the policy is older - pre this millennium - they usually will have a cash value that is payable if the policy is defaulted but no Alz/Dementia reinstatement clause. The rules of the policy will be determined by the state it is drawn up in as FH/burial & crematory are state regulated. Newer policies can have a non-payment waiver in which the policy can be reinstated with all the past due paid and some % penalty (smallish maybe 2 - 5% of value) but only if done & paid in full within a specific timeframe (like within 12 months of the 1st non payment).
You know a pre-need done in another state could in the long run not be of very much value. I've gone over my mom's pre-need in detail as she's end stage hospice and have been able to do some changes to policy (1980's) as it is an old one and not as restrictive newer ones; the policy is really written and designed for death & burial to be done within a 60 - 100 mile range for costs to be at policy. ANything beyond that involves hefty transfer or transportation charges which are not in the policy. So yes the casket is paid for, but there will be a fee to ship it to the FH in the new state where she died OR a fee for transporting her body (which may have to be embalmed to cross state lines) to the old state & the original FH. For us any change has a 10% penalty to the paid up principal - this sort of penalty seems to be standard. A lot of how mom's pre-need was to be done was based on the 1980's and many things now have fees associated with them, like police escort was free in the 1980's, not now. Once you look at the hard #'s & if family is all over the country, you can see why cremation is more & more the choice made as it is the only option that is affordable & you can then have a memorial service on a date that enables family to attend. Good luck, changing stuff isn't easy.
N1 - you know I understand what your referring to. The FH aren't basically in your best interest. Personally I would never do a pre-need, the minutia of crap in my mom's preened is all tilted to FH best interest and don't get me started on the cemetery issues (they are totally different outfit from the FH too for mom).
But if Ann's ? is that her mom had a "death policy" that is a FH pre-need so what to do now that she has found out the mom has basically defaulted on it & she wants to get it reinstated so mom has a pre-need for funeral & burial when she dies. This is what I though Anna's ? & interest was all about. But perhaps not and it's a life insurance product that was defaulted on. Then yeah your approach is the way to go. Thanks Noreen.
Anna, depends what kind of policy it is. If it's whole life, the premiums have probably been paid through dividends that have accumulated (if she's had the policy many years). Call the insurance company or a local agent.
Oh, sorry. I see she's passed. If they aren't paying, then they don't have to. If you feel more comfortable about it, report them to your state's department of insurance regulation. It would be rare for an insurance company to refuse a death benefit if it were payable. That's not what they do.
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.
You know a pre-need done in another state could in the long run not be of very much value. I've gone over my mom's pre-need in detail as she's end stage hospice and have been able to do some changes to policy (1980's) as it is an old one and not as restrictive newer ones; the policy is really written and designed for death & burial to be done within a 60 - 100 mile range for costs to be at policy. ANything beyond that involves hefty transfer or transportation charges which are not in the policy. So yes the casket is paid for, but there will be a fee to ship it to the FH in the new state where she died OR a fee for transporting her body (which may have to be embalmed to cross state lines) to the old state & the original FH. For us any change has a 10% penalty to the paid up principal - this sort of penalty seems to be standard. A lot of how mom's pre-need was to be done was based on the 1980's and many things now have fees associated with them, like police escort was free in the 1980's, not now. Once you look at the hard #'s & if family is all over the country, you can see why cremation is more & more the choice made as it is the only option that is affordable & you can then have a memorial service on a date that enables family to attend. Good luck, changing stuff isn't easy.
But if Ann's ? is that her mom had a "death policy" that is a FH pre-need so what to do now that she has found out the mom has basically defaulted on it & she wants to get it reinstated so mom has a pre-need for funeral & burial when she dies. This is what I though Anna's ? & interest was all about. But perhaps not and it's a life insurance product that was defaulted on. Then yeah your approach is the way to go. Thanks Noreen.