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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:
Thanks Lynn for getting back to me, our finacial advisor suggested the same thing. selling home and renting..however wherever I look the cost of rest is double than the monthly mortage payments around here..I'm saving up money as best as I can so that I can see an attorney..I've cut back on help in the mean time..It's difficult to discuss this with her because she tears up and gets depressed at the thought of moving from the community she so loves. It's hard to make appointments and go to them since I am here most of the time.
She was in a foster home as my aunts suggestion years ago...it was a very nice one, but her depression got so bad she wasn't eating and wouldn't let people help her, she had a bed sore that wouldn't heal till I got her home. I really don't want to go through that again.
Shan - to tell you how to "protect" retirement funds and be ethical depends on why such protection is necessary... I believe that anything earned by an individual or a couple should be used for their long term support and quality of life. Our elders work, scrimp, save and sacrifice so they deserve to have all their money used for their care.
If you feel that state assistance (medicaide) will be necessary then speak with an elder attorney NOW to understand medicaide requirements; the sooner you do this the better. There is a look back period in each state (usually 5 -7 years) for medicaide applications. This means that if the applicant (your mom) has given away anything of value, sold something under it's value, gifted cash or made loans to anyone during that time she can be disqualified from getting any funds for a number of months. If she does get medicaide they will permit her to keep a house but they will not permit monthly payments for mortgage, utilities or insurance. If there is a spouse, the state generally permits them to live in the house and keep monthly income for their support. Sometimes if there is a family member who lives in the house, the state will not force it's immediate sale. If there is no spouse, the state will place liens on the home and will force the sale of the house upon her death or until she will no longer need state assistance. If you attempt to RENT the house then that's considered income for your mom and can really mess up the medicaide application. There's also the need to pay taxes on any rent and complete a federal and state tax return.
Often the best thing to do is understand how to reduce expenses or to understand what living options are available. Does she really need a house now? Can it be sold if rent is cheaper? Consider all the expenses involved and the cost of repairs, upkeep, mowing, utilities, insurance, etc... Do they qualify for any sort of rental assistance or rent controlled apartments based on income? How much is she spending for care giving and why?
Is it time to consider an assisted living (ALF)? You could divert the cost of care givers to pay rent at an ALF. Many facilities will accept medicaide too so your mom can stay long term even after her funds run out. Selling the house now, while she's still got funds might be a wise idea. Can she can pay rent and mortgage at the same time until it's sold? Or, consider a home equity loan to make mortgage payments until it's sold. All of this will require a lot of financial discipline - to make payments without extra expenditures but it might be best for your mom right now.
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.
She was in a foster home as my aunts suggestion years ago...it was a very nice one, but her depression got so bad she wasn't eating and wouldn't let people help her, she had a bed sore that wouldn't heal till I got her home. I really don't want to go through that again.
If you feel that state assistance (medicaide) will be necessary then speak with an elder attorney NOW to understand medicaide requirements; the sooner you do this the better. There is a look back period in each state (usually 5 -7 years) for medicaide applications. This means that if the applicant (your mom) has given away anything of value, sold something under it's value, gifted cash or made loans to anyone during that time she can be disqualified from getting any funds for a number of months. If she does get medicaide they will permit her to keep a house but they will not permit monthly payments for mortgage, utilities or insurance. If there is a spouse, the state generally permits them to live in the house and keep monthly income for their support. Sometimes if there is a family member who lives in the house, the state will not force it's immediate sale. If there is no spouse, the state will place liens on the home and will force the sale of the house upon her death or until she will no longer need state assistance. If you attempt to RENT the house then that's considered income for your mom and can really mess up the medicaide application. There's also the need to pay taxes on any rent and complete a federal and state tax return.
Often the best thing to do is understand how to reduce expenses or to understand what living options are available. Does she really need a house now? Can it be sold if rent is cheaper? Consider all the expenses involved and the cost of repairs, upkeep, mowing, utilities, insurance, etc... Do they qualify for any sort of rental assistance or rent controlled apartments based on income? How much is she spending for care giving and why?
Is it time to consider an assisted living (ALF)? You could divert the cost of care givers to pay rent at an ALF. Many facilities will accept medicaide too so your mom can stay long term even after her funds run out. Selling the house now, while she's still got funds might be a wise idea. Can she can pay rent and mortgage at the same time until it's sold? Or, consider a home equity loan to make mortgage payments until it's sold. All of this will require a lot of financial discipline - to make payments without extra expenditures but it might be best for your mom right now.
Best of luck!!