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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.
Share a few details and we will match you to trusted home care in your area:
I wouldn't depend on HUDD at this point. It's very hard to get and right now there is no money available. I would try to talk to them about going to an AL. Sell the house and use the money for their care.
I'd suggest you take a step back and realistically look at - what care they each need right now, like what are their diseases & abilities - how are these likely to change within a year for each of them - are they fixed on staying at home or willing to move into a facility - what the property value is (& if it's sort of accurate to what it could be sold for). This is an VERY important # as equity lending - like from a Reverse mortgage- will be at best maybe 50% of value. RMs require that insurance(s) updated; repairs & maintenance done as needed; pay taxes & all must happen for RM to stay compliant. When they die or move into a facility like a NH, the debt & interest on the RM is due in full within a few weeks or the RM calls in the mortgage and sells property. The math for RMs are not to the borrowers benefit unless its a rare property that more than doubles in value over the life of the RM as the debt, interest & fees add up significantly. So does their place have assessor value over 350k - 400k?? And with minimal deferred maintenance?
If your folks currently have difficulty covering house costs & upkeep & if property is of modest or low value (like under 100k) doing a RM is imo just putting a band-aid on a much bigger financial problem. They can't afford RM house requirements over time & they can't afford 24/7 ($15k) or 12/5 ($5500 mo) in-home care costs @ $20-25 hr for very long. Their a couple so double costs. Care is very expensive & that's why it's important to realistically know what degree of care they need now and likely for the next year. Unless they can get a huge amount (imo over 300k) of equity $, to me, any equity lending is a waste of time & $.
Sell house, rent in IL or AL and spend down till they qualify for Medicaid & Section 8 housing or can qualify for NH admission. Make sure they get their legal updated so your DPOA & can get them onto lists for housing, access medical records, etc. Good luck, stay organized and try to look at what's the best long view decisions.
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.
- what care they each need right now, like what are their diseases & abilities
- how are these likely to change within a year for each of them
- are they fixed on staying at home or willing to move into a facility
- what the property value is (& if it's sort of accurate to what it could be sold for). This is an VERY important # as equity lending - like from a Reverse mortgage- will be at best maybe 50% of value. RMs require that insurance(s) updated; repairs & maintenance done as needed; pay taxes & all must happen for RM to stay compliant. When they die or move into a facility like a NH, the debt & interest on the RM is due in full within a few weeks or the RM calls in the mortgage and sells property. The math for RMs are not to the borrowers benefit unless its a rare property that more than doubles in value over the life of the RM as the debt, interest & fees add up significantly. So does their place have assessor value over 350k - 400k?? And with minimal deferred maintenance?
If your folks currently have difficulty covering house costs & upkeep & if property is of modest or low value (like under 100k) doing a RM is imo just putting a band-aid on a much bigger financial problem. They can't afford RM house requirements over time & they can't afford 24/7 ($15k) or 12/5 ($5500 mo) in-home care costs @ $20-25 hr for very long. Their a couple so double costs. Care is very expensive & that's why it's important to realistically know what degree of care they need now and likely for the next year. Unless they can get a huge amount (imo over 300k) of equity $, to me, any equity lending is a waste of time & $.
Sell house, rent in IL or AL and spend down till they qualify for Medicaid & Section 8 housing or can qualify for NH admission. Make sure they get their legal updated so your DPOA & can get them onto lists for housing, access medical records, etc. Good luck, stay organized and try to look at what's the best long view decisions.