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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?
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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.
Remember, this assessment is not a substitute for professional advice.
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You are one of the account holders, so yes, that's your money, and you can use it however you want. Also yes on notify the bank of your mother's passing.
You can read some more about what happens to a joint account when one of the owners dies.
Thank you for the quick response,I’ve been panicking over this all evening as I’m going to pay funeral home tomorrow out of this account. I guess I should call bank in the morning. I’m trying to everything properly, but it’s just me doing this whithout much help and I dont know what im doing and very emotional at this time.
I neglected to say that I am sorry for your loss. You mention that only you taking care of things. Can you find and join a local grief support group? It would be very beneficial to you.
Quick suggestion if your are writing a check, date the check as written on the date of moms death and you do your usual personal signature on the check.
Just in case the account gets flagged, having it that date will allow it to push thru. Sometimes a bank will suspend an account till they get a fresh ID / SS# to attach to the account. Even if you were a signatory or the account was POD to you, bank will want “fresh” verification.
also get several death certificates.
and your moms Social security monthly income will claw back the payment IF mom did not live the entire month. Some other incomes do this as well. My mom had SS and civil service annuity, one paid on the 3rd the other between 3-5 of the month. Mom died on the 29th. Both paid the next week. Both did a clawback…. SSA did it quickly within 3 weeks but the other took abt 10-12 weeks. So you have to leave those funds in the account or it will go NSF and bounce.
my condolences on her passing. It’s going to be a hard a holiday season for you.Please try to take time just for yourself.
Yes. Pay the expenses, THEN notify the bank of her death. You'll have to sign a new signature card and make it a single account.
My mom's bank locked up the joint account when they learned of her death from Social Security and screwed up a bunch of my checks. Fortunately, they let $3900 worth of funeral expense checks clear before they did that.
Than you for your responses. I guess I will take care of funeral expenses then talk the bank after I get the death certificate. I’m hoping they don’t lock it down.
polar bear, I’m going to wait til the funeral and things are settled, and then I may find a grief support group if needed. Thank you for the suggestion, I really hadn’t thought of that. I’m trying to stay strong, I know I’ll be ok. I do have the support of my husband, but he doesn’t know what to do either, and other family are not much help. So I’m handling it as best I can.
I want to say that I would think that Funeral Homes are aware that it may be hard for family to get to money. Insurance policies take a while to pay out claims. My Mom has a prepaid trust with the funeral home as beneficiary. Not sure how long it took them to get that money.
If you have a joint bank account, which means your name is on the account, you can do whatever you wish with the money. When my father passed away, I simply closed the account after withdrawing what was left. I did, I believe provide them with a death certificate.
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 can read some more about what happens to a joint account when one of the owners dies.
https://www.thebalance.com/what-happens-to-a-joint-account-when-an-owner-dies-3505233
Just in case the account gets flagged, having it that date will allow it to push thru. Sometimes a bank will suspend an account till they get a fresh ID / SS# to attach to the account. Even if you were a signatory or the account was POD to you, bank will want “fresh” verification.
also get several death certificates.
and your moms Social security monthly income will claw back the payment IF mom did not live the entire month. Some other incomes do this as well. My mom had SS and civil service annuity, one paid on the 3rd the other between 3-5 of the month. Mom died on the 29th. Both paid the next week. Both did a clawback…. SSA did it quickly within 3 weeks but the other took abt 10-12 weeks. So you have to leave those funds in the account or it will go NSF and bounce.
my condolences on her passing. It’s going to be a hard a holiday season for you.Please try to take time just for yourself.
My mom's bank locked up the joint account when they learned of her death from Social Security and screwed up a bunch of my checks. Fortunately, they let $3900 worth of funeral expense checks clear before they did that.
polar bear, I’m going to wait til the funeral and things are settled, and then I may find a grief support group if needed. Thank you for the suggestion, I really hadn’t thought of that. I’m trying to stay strong, I know I’ll be ok. I do have the support of my husband, but he doesn’t know what to do either, and other family are not much help. So I’m handling it as best I can.