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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.
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.
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Mother has no savings or life insurance. Can I buy a life policy for her to cover final expenses. I would be beneficiary because I am executor of her will and will be responsible for her final expenses.
You are not responsible for her final expenses....her estate is responsible.
i am doubting you will be able to purchase life insurance for her. Instead...set up a payment plan with a local funeral home. Prepay her final expenses.
Age 79 and with dementia and other health problems....the life insurance ship has likely sailed on by. Even colonial penn is likely not an option, 75 is the age cap for the $50k policy through them. Your mom is 79 and would need to pay on a policy for quite a awhile before it had enough cash value to pay for her final expenses.
If you buy life insurance for your mom and name yourself as beneficiary you will have to claim that as income. You can't use her money for this unless it is excess after her caregiver and living expenses are paid.
If your mom has no money or assets then you should resolve that she will be cremated as that is the cheapest route.
You should not be planning a big funeral for her, her money should be paying for her care and her living expenses. If she has bills that need to be paid you should be completely transparent with your sister.
First, if a person goes on Medicaid for LTC, an insurance policy that has cash value will need to be cashed in to pay towards her care. (or put towards a prepaid funeral)
I would check with an insurance company and see if you personally can insure Mom. Like, you own the policy but are covering Mom. At 79 it may be expensive so I would only get enough to cover a nice funeral. My Moms was 11.5k. That was a regular burial. If Mom has any debts, you will not be responsible for them anyway. If no money, the creditors lose.
Another way would be to do a prepaid funeral. You could check this out with the funeral home you would use. I had to cash Moms policies in, I then used the money to put into a funeral Trust set up by my funeral director. The money got some interest. Not sure if you can put in a small amount and add to it?
This was years ago but I knew a woman who insured her ex-husband. That way if he died, she would still have money to support their daughter.
You could also do what's called a "mortuary trust" or funeral trust which is set up with a funeral home as an irrevocable trust. You don't have to use that funeral home, and can transfer the funds to another when the time comes if you like. It's not the same as a pre-paid funeral in that regard. You are not required to make any kind of selection for goods or services, but can just leave it open-ended. The funds are held in trust usually in a bank, and the funeral home is required to give you an accounting I think annually (at least in our state). An irrevocable mortuary trust is not counted as assets by Medicaid, and is not subject to estate recovery after the person passes. The amount allowed I believe varies depending on the particular state's Medicaid rules.
I think...thatvany money unused of that trust does go back to Medicaid. But the money can be spent on anything to with a funeral. Flowers, the luncheon, ect.
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.
i am doubting you will be able to purchase life insurance for her. Instead...set up a payment plan with a local funeral home. Prepay her final expenses.
This is if someone buys their own and names you beneficiary or sells you their life insurance or transfers it as surety or something.
If you buy insurance for another person and name yourself beneficiary you have to claim the money.
If your mom has no money or assets then you should resolve that she will be cremated as that is the cheapest route.
You should not be planning a big funeral for her, her money should be paying for her care and her living expenses. If she has bills that need to be paid you should be completely transparent with your sister.
First, if a person goes on Medicaid for LTC, an insurance policy that has cash value will need to be cashed in to pay towards her care. (or put towards a prepaid funeral)
I would check with an insurance company and see if you personally can insure Mom. Like, you own the policy but are covering Mom. At 79 it may be expensive so I would only get enough to cover a nice funeral. My Moms was 11.5k. That was a regular burial. If Mom has any debts, you will not be responsible for them anyway. If no money, the creditors lose.
Another way would be to do a prepaid funeral. You could check this out with the funeral home you would use. I had to cash Moms policies in, I then used the money to put into a funeral Trust set up by my funeral director. The money got some interest. Not sure if you can put in a small amount and add to it?
This was years ago but I knew a woman who insured her ex-husband. That way if he died, she would still have money to support their daughter.