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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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
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I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
What happens with life insurance policies after death is dependent on who is the beneficiary. If you are listed as the only beneficiary then you contact the insurer to find out how to get the $ as the beneficiary. There will be a form to be completed and likely need an original death certificate. And it will be reported income by the insurance co as a 1099 paid to you.
If its the deceased estate who is the beneficiary, then you have to deal with it in probate and it’s gets distributed as per terms of the will.
If your ? is about Medicaid with a application on your radar, the type & amount of life insurance has specific compliance requirements by LTC Medicaid: - whole life policies, those have a cash value, and they will have to be cashed out with all $ used as an asset spend down BEFORE Medicaid eligibility can happen - for GULs it kinda depends on how their written, you probably need to talk with your old HR department or contact the insurance co to see if a cash out can even be done. - for term life it’s going to depend on your states Medicaid program. Some require the face value of a term policy to be under a certain limit and if it’s over that will require you to get a life settlement. The face value part is super important as that is what’s counted. Often for older term policies, they end up paying way, way more than the face value but it’s the policy stated face value that’s reported to Medicaid. For these, they often pay a dividend that is required to get put back into the policy. It’s income that’s reported to IRS and so reported for Medicaid. If the month that the dividend is paid, takes your Medicaid application over the monthly income limit for Medicaid, you kinda may need to get a CPA to do an amortization letter to accompany Medicaid application. I had to do this for my mom’s Medicaid application.
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 you are listed as the only beneficiary then you contact the insurer to find out how to get the $ as the beneficiary. There will be a form to be completed and likely need an original death certificate. And it will be reported income by the insurance co as a 1099 paid to you.
If its the deceased estate who is the beneficiary, then you have to deal with it in probate and it’s gets distributed as per terms of the will.
If your ? is about Medicaid with a application on your radar, the type & amount of life insurance has specific compliance requirements by LTC Medicaid:
- whole life policies, those have a cash value, and they will have to be cashed out with all $ used as an asset spend down BEFORE Medicaid eligibility can happen
- for GULs it kinda depends on how their written, you probably need to talk with your old HR department or contact the insurance co to see if a cash out can even be done.
- for term life it’s going to depend on your states Medicaid program. Some require the face value of a term policy to be under a certain limit and if it’s over that will require you to get a life settlement. The face value part is super important as that is what’s counted. Often for older term policies, they end up paying way, way more than the face value but it’s the policy stated face value that’s reported to Medicaid. For these, they often pay a dividend that is required to get put back into the policy. It’s income that’s reported to IRS and so reported for Medicaid. If the month that the dividend is paid, takes your Medicaid application over the monthly income limit for Medicaid, you kinda may need to get a CPA to do an amortization letter to accompany Medicaid application. I had to do this for my mom’s Medicaid application.