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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.
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If there is no chance that mom will be back..Sell the house. You could rent it but that brings a whole host of other problems. If mom is in a facility the sale of the home will pay for more of her care. If mom is living with you the sale can also provide her with care in your home, paid caregivers and her other expenses. (please consult a Attorney for any contracts and how expenses should be taken care of)
It’s easy to blame insurance companies, but current climate crises are costing them and their customers an awful lot of money. They can’t risk going broke, or we would all suffer. Floods, fires, hurricanes etc hit hundreds of homes at a time. Companies lay off the risks around the world, which helps immediate cash flow, but not overall profitability.
Where I am, insurance companies don’t get a lot of support from the ‘system’. For example, local government gives approval for new developments in areas which are obvious fire risks – it increases the Council’s rating base and avoids being challenged legally if they refuse. The fire authorities have no say in this, even though they and their volunteers will face defending the new properties – and the old properties will find that their own defense resources are less because these new developments suck it up.
Vacant properties have been difficult or impossible to insure for a long time now, usually after a grace period (here 60 days). The risks to the property are higher - not just from burglary but from other unattended issues - and it’s one thing that the insurer can control themselves. We have a housing shortage here, so there are other objections against properties standing vacant, sometimes for three or four years or more.
It seems to be something that just has to be faced. It’s more of a problem when it’s unexpected.
Any empty house the insurance is sky high. That includes one being built.
Me, I sold my Moms house. I could not afford to pay her taxes or insurance. That heat bill in the winter was $500 a month. Being retired, I had my own bills to pay. I put the thermostat on 55 so pipes would not freeze.
I bought a timer and set it up with a lamp in the living room. Left her stove light on like she did. My grandson could not drive his car because of seizures he was having so we parked that in the driveway. The neighbor was close by. We had the lawn cut when the guy felt it was getting to long.
Lizzza, You have hit on a very difficult problem. My brother's last beloved home was a charming 1970s trailer in a beautiful little Historic Trailer's Park in So. Cal. I was his POA and his Trustee when he had to move to ALF five years ago. I was managing everything and the first thing I was told by his wonderful insurance agent was that insurance policy, while it would run its course, would not continue if the trailer remained empty. Insurance companies are getting really uppity these days. Many have left California entirely because of our fires. Now they are telling hurricane alley inhabitants they will soon be exiting their premises as well. The fact is that insurance companies say they are currently losing big time (I think that means fewer enormous profits). Nothing insurance companies hate so much as an empty house. They aren't overly fond of rentals either, which may or may not be maintained.
I often tell families to have one family member live in the home when an elder is placed, if that person will maintain and care for the home. It sometimes is the difference between being able to insure or not.
I recommend a good insurance agency; try to get a recommend for your own dedicated agent. Be prepared to pay more. And that just the beginning; you are going to need someone to maintain and keep watch on that place, sign up to get tax notifications and keep an eye on everything. I wish you the very best of luck. Hope you will update us how it goes for you.
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.
You could rent it but that brings a whole host of other problems.
If mom is in a facility the sale of the home will pay for more of her care.
If mom is living with you the sale can also provide her with care in your home, paid caregivers and her other expenses. (please consult a Attorney for any contracts and how expenses should be taken care of)
Where I am, insurance companies don’t get a lot of support from the ‘system’. For example, local government gives approval for new developments in areas which are obvious fire risks – it increases the Council’s rating base and avoids being challenged legally if they refuse. The fire authorities have no say in this, even though they and their volunteers will face defending the new properties – and the old properties will find that their own defense resources are less because these new developments suck it up.
Vacant properties have been difficult or impossible to insure for a long time now, usually after a grace period (here 60 days). The risks to the property are higher - not just from burglary but from other unattended issues - and it’s one thing that the insurer can control themselves. We have a housing shortage here, so there are other objections against properties standing vacant, sometimes for three or four years or more.
It seems to be something that just has to be faced. It’s more of a problem when it’s unexpected.
Me, I sold my Moms house. I could not afford to pay her taxes or insurance. That heat bill in the winter was $500 a month. Being retired, I had my own bills to pay. I put the thermostat on 55 so pipes would not freeze.
I bought a timer and set it up with a lamp in the living room. Left her stove light on like she did. My grandson could not drive his car because of seizures he was having so we parked that in the driveway. The neighbor was close by. We had the lawn cut when the guy felt it was getting to long.
I was so glad when it sold.
You have hit on a very difficult problem. My brother's last beloved home was a charming 1970s trailer in a beautiful little Historic Trailer's Park in So. Cal. I was his POA and his Trustee when he had to move to ALF five years ago. I was managing everything and the first thing I was told by his wonderful insurance agent was that insurance policy, while it would run its course, would not continue if the trailer remained empty.
Insurance companies are getting really uppity these days. Many have left California entirely because of our fires. Now they are telling hurricane alley inhabitants they will soon be exiting their premises as well. The fact is that insurance companies say they are currently losing big time (I think that means fewer enormous profits).
Nothing insurance companies hate so much as an empty house. They aren't overly fond of rentals either, which may or may not be maintained.
I often tell families to have one family member live in the home when an elder is placed, if that person will maintain and care for the home. It sometimes is the difference between being able to insure or not.
I recommend a good insurance agency; try to get a recommend for your own dedicated agent. Be prepared to pay more. And that just the beginning; you are going to need someone to maintain and keep watch on that place, sign up to get tax notifications and keep an eye on everything.
I wish you the very best of luck. Hope you will update us how it goes for you.