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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.
Remember, this assessment is not a substitute for professional advice.
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My Mother has Alzheimer's and before she gets worse the family needs to hire a CPA or lawyer to help sort through her finances. She has stocks & bonds & insurance policies.
tigerdaughter1: Yes, of course, the financial advisor charges a fee. But...you may get lucky if one of your family members or friends knows one...that way the advisor MAY (not a guarantee) be able to cut you a break on the fees (lowering them).
If you hire a financial adviser consider a "fee for service" professional vs. a "broker." You should consider a CPA/tax professional, elder care attorney, an investment adviser (fee for service or GOOD adviser who is a "benefit to client vs. benefit to broker" focused professional.) and a bookkeeper. The bookkeeper can help you stay on top of things. I would also consider a solid insurance adviser who can sort through what policies your mom owns, any maturity dates (and ramifications of) and options.
I would agree with much of what JoAnn said above however, you will need a lawyer to draw up a POA. Also, I have found that some banks will not allow you to manage a parent's credit cards (and get online to do this) without mom or dad being there to approve the process. In addition, you may need to give them an original POA. Do not do this! Get an original copy from your lawyer. You (or your lawyer) should always have the original in your possession.
The easiest way to take full control online of their accounts is to have your name added to the account(s). With regards to credit cards, if you do this, any credit damage will also be associated with your financial credit. So, be careful if there's been a problem with payment history regarding maintaining your own high score.
This is what I did. First I got POA for finances and Medical. I had my name put on Moms checking and savings. This was done while she could still sign. I then asked the bank to give me a report of all Moms accounts with them this included IRAs and CDs. If she has a financial advisor, I would ask for an accounting of where the money is invested. If savings bonds, make a list of them with bond number, face value and issue date. Call insurance companies and ask if policies are still good and what amounts they noe are. Mom has a $5000 policy but amount due upon death is $11,000 because of dividends she had rolled over into the policy. Moms estate is not much. Once I did this, I knew where she stood financially. I am able to go on line and look at her accts when I want. Now, if your Moms estate is much larger get all her info together and hand it over to a CPA to see what she is worth. I don't see why u need a lawyer. He is just going to take ur money and put it all in an accountants hands anyway.
If I had to make a choice, I would choose a CPA who does financial planning. Plus have an Elder Law Attorney, who would talk to the CPA to make sure everyone is on the same page.
Thank goodness my parents had their own CPA as I had dreaded income tax time, as what my parents had I couldn't use "the box" to do their taxes. The CPA was so helpful, asking me to see if I could find this or that, which eventually I did. My parents had used him for many years.
You need a Daily Money Manager. They have a website where you can find someone to help you. Also most IKOR offices do Daily Money Management. If there is an IKOR office close to you they can help too.
There is such a person who can do forensic accounting, but it's probably not as bad as that. You might even be able to sort things out yourself, but an elder law attorney is a good idea.
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.
The easiest way to take full control online of their accounts is to have your name added to the account(s). With regards to credit cards, if you do this, any credit damage will also be associated with your financial credit. So, be careful if there's been a problem with payment history regarding maintaining your own high score.
Thank goodness my parents had their own CPA as I had dreaded income tax time, as what my parents had I couldn't use "the box" to do their taxes. The CPA was so helpful, asking me to see if I could find this or that, which eventually I did. My parents had used him for many years.