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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.
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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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What is the effect on your social security retirement income when you leave your job to care for someone. Do you get penalized for the years you work as a caregiver rather than a paid position?
Social Security "retirement" is based on your work history (I'm sure it's some complicated formula). Without checking to be precise (someone will surely correct me, where I'm wrong), you need to have contributed to SS for a minimum of 40 quarters (either through self-employment or taken from your pay check), cumulative. It *used* to be that at least one quarter had to have been within the ten years prior to when you start collecting it. Not sure that's still true.
Once you have worked and paid SS taxes for 40 quarters, you will be eligible for SS at retirement age. The amount you get will depend on your lifetime earnings (that you have paid SS taxes on).
If quitting your job results in not meeting the 40 quarter requirement, you won't get any SS benefits at retirement age.
Quitting your job will result in lower lifetime earnings and therefore lower SS payments once you retire.
So say you were deciding among siblings how to compensate the caregiver for their common parent. It would be reasonable to compensate them not just for lost wages, but also for future lost retirement income... What do you think?
In that case I would say the the caregiver should be considered self-employed, and pay taxes, including SS, on income. To match the former income, the base wage should be somewhat higher (about 6%) because self-employment taxes are higher than what an employer would withhold. (The employee pays both the employee and employer portion when he or she is self-employed.)
This would put the caregiver in the status as if she or he continued employment, as far as SS retirement funds go.
@Jeannegibbs - thanks for answering my questions! I have another hypothetical one: Ok suppose the caregiver should pay quarterly taxes if the siblings pay her/him. ...Then don't the siblings owe the same taxes for the free work of their sibling if they do not pitch in?
You ask what is the effect on your social security? Non-working has a profound effect on your ss benefit. I was a stay at home mom for several years and now I am not getting very much benefit. My advice to you is to keep working and not be a caregiver. If you do become a caregiver, you must insist on being paid and pay your taxes etc. so that you can get a benefit. Been there done that.
pinenuts, I am not sure that I understand the question.
We pay taxes on the money we bring in, through earnings or dividends, etc. If the siblings are not pitching in and not getting paid, what would be taxed?
I don't think it makes any difference as far as taxes go, but in this hypothetical situation, are the siblings trying to decide what to pay the caregiver out of their parent's assets or out of their own bank accounts?
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 quitting your job results in not meeting the 40 quarter requirement, you won't get any SS benefits at retirement age.
Quitting your job will result in lower lifetime earnings and therefore lower SS payments once you retire.
This would put the caregiver in the status as if she or he continued employment, as far as SS retirement funds go.
We pay taxes on the money we bring in, through earnings or dividends, etc. If the siblings are not pitching in and not getting paid, what would be taxed?
I don't think it makes any difference as far as taxes go, but in this hypothetical situation, are the siblings trying to decide what to pay the caregiver out of their parent's assets or out of their own bank accounts?