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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.
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If the person with dementia has been told my their doctor to stop driving, or if they have had their license revoked, the insurance company is within their rights to not cover a claim, even if the person with dementia is not responsible for the accident.
If the person with dementia has not been told to stop driving, here losing driving privileges is not automatic with a diagnosis of early dementia, then the insurance company should pay out.
I am in BC, Canada, and worked for many years doing billing as well as other admin and patient facing tasks at a Physio clinic. We always recommended getting a lawyer to represent you in a car accident, whether or no you were at fault.
I am in the U.S. and work in the legal department of a large insurer (8 years P & C, including claims, and 7 years on the life/annuity side). Tothill summed it up nicely. If the license is still in force, and not revoked, or the revocation process not finalized, the insurer should cover it. As one person below mentioned, you might not be renewed if the dementia played a factor somehow and the insurer is put on notice as to that fact.
I've seen plenty of cases, where an unauthorized or unlicensed driver causes an accident with the insured vehicle, where the insurer paid the damages and injuries to the third party, but not the policyowner's damages and injuries.
It's somewhat fact-specific as to what could happen - we don't know the license status of the person who was involved in the accident. We don't know what happened at the scene (i.e., did the officer have concerns as to his capacity to be driving, and turn it in to the DMV for review and possible revocation). But if he/she has a license, and you have no notice as to a revocation proceeding, and you have insurance, the insurer may very well cover it. If not, depending on the policy, the innocent third party may be covered at least.
And talking to an attorney, and bringing the policy to them for review, is certainly an option.
If you do this it puts a mark on your insurance, because to many people do this and then don't report the accident for one reason or another. It is not worth checking unless you are actually going to put the claim in.
Yea, I was completely shocked by this information as well.
I can't speak for other States, but if there is a diagnosis of dementia in California, then this is reportable by doctors to the DMV. I must assume that there would be some sort of action taken by the DMV, but I don't know. I think the place to get this information is from an insurance company itself.
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.
If the person with dementia has not been told to stop driving, here losing driving privileges is not automatic with a diagnosis of early dementia, then the insurance company should pay out.
I am in BC, Canada, and worked for many years doing billing as well as other admin and patient facing tasks at a Physio clinic. We always recommended getting a lawyer to represent you in a car accident, whether or no you were at fault.
I've seen plenty of cases, where an unauthorized or unlicensed driver causes an accident with the insured vehicle, where the insurer paid the damages and injuries to the third party, but not the policyowner's damages and injuries.
It's somewhat fact-specific as to what could happen - we don't know the license status of the person who was involved in the accident. We don't know what happened at the scene (i.e., did the officer have concerns as to his capacity to be driving, and turn it in to the DMV for review and possible revocation). But if he/she has a license, and you have no notice as to a revocation proceeding, and you have insurance, the insurer may very well cover it. If not, depending on the policy, the innocent third party may be covered at least.
And talking to an attorney, and bringing the policy to them for review, is certainly an option.
Best wishes.
Yea, I was completely shocked by this information as well.