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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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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.
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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
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Writer doesn't mention who is selling the policy, but here is an explanation of the AARP 50+ term life insurance:
"...it is a term life insurance policy... your coverage ends at 80 and you are no longer protected. You don’t get any money back, and you don’t have the option to take out a new term policy. At 80, your only option would be to get a whole life policy with them or another company. While getting life insurance after 80 is definitely possible, it will be significantly more expensive because of your age." Also mentioned is that the rates increase every 5 years.
Depending on how old you are when you buy $10,000 worth of this coverage, you'd be better off putting the monthly premium amount in a savings account, which will add up to $10,000 over time. I'm surprised AARP would endorse a policy like this.
No, I don't think so. Depends on the language. If the policy itself is gone at 80 that seems odd indeed. Many many people live longer than 80 years these days. Call and ask for the details by phone on the policy this week. Remember, if you cannot read and understand it now, it will represent a problem in the future. What about interviewing some for prepaid funeral, making certain it is a reputable and long standing establishment?
In our state (Maine) you can set up a funeral trust at a funeral home, which is held at a bank. You aren't obligated to use that funeral home, and your representative can request the funds be used at a different place after you pass away. The disadvantage is that you have to have the money up front to set up the trust. The funeral trust is not counted as an asset if the person has to apply for Medicaid.
BBS is right. You purchased a term policy which matures at 80. You need to purchase a whole life policy which will never mature even if you live to be 101 as long as you pay the premium. Another option is to contract with a funeral home for a prepaid whole life policy.
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.
"...it is a term life insurance policy... your coverage ends at 80 and you are no longer protected. You don’t get any money back, and you don’t have the option to take out a new term policy.
At 80, your only option would be to get a whole life policy with them or another company. While getting life insurance after 80 is definitely possible, it will be significantly more expensive because of your age." Also mentioned is that the rates increase every 5 years.
Depending on how old you are when you buy $10,000 worth of this coverage, you'd be better off putting the monthly premium amount in a savings account, which will add up to $10,000 over time. I'm surprised AARP would endorse a policy like this.
https://choicemutual.com/aarp-burial-insurance-review/#term