Are you sure you want to exit? Your progress will be lost.
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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I acknowledge and authorize
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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:
If instead of paying high premiums and invested those payments yourself with a good agent, you will not have to go through hassle of administrative and claims process. With many plans, you need time for the policy to mature. Imagine if you need 8k a month for a private MC and payments are only 5 k.
My long term care insurance kicked in after 120 days of disability. It pays me $8000.00 a month directly to my checking account. I use it to pay my dialysis tech and other care as needed. It has been great and the money won't run out for several years. It was a good purchase.
If you don't USE the LTC policy, then when you're gone, it's null and void.
Daddy bought one so we wouldn't have to take care of mom. It wasn't a great one, and it didn't matter b/c she never allowed any CG's to come in her place to help her. She also didn't use it the one time she was in rehab.
IDK, personally, haven't looked into one, but at age 66, I imagine that one for me would be pretty expensive.
There may be some that have a 'cash out' amount available if not used, but if so, I don't know of it.
yes. Like most insurance you have to read the policy. Get one that fits with what you want. One thing to consider is your home. Is it actually able to allow you to remain in the home SAFELY if equipment has to be used? Are there stairs? Wide hallways? Wide doorways? Large bathroom that can or is handicap accessible? The next hurdle is expense. All Long Term Insurance Policies are expensive. The younger you are when you purchase the better. And missing but 1 payment will generally end the policy. And look into policies that IF home care (or any care) is not needed the money that has been paid into the policy reverts to a Life Insurance so beneficiaries benefit from any value. (as I asked the person selling me my policy...I am standing by my mailbox mailing my payment...a car hits me and kills me...I no longer need the LTC what happens to all that money...?
Yes. My LTC coverage includes home care if I need help with 2 ADLs or meet the cognitive impairment criteria. The maximum amount covered per month is 50% of the nursing home amount.
Newer policies may offer equal coverage for in home and SNF care.
Of course, no one will issue you new coverage if you already need or expect to need care.
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.
Daddy bought one so we wouldn't have to take care of mom. It wasn't a great one, and it didn't matter b/c she never allowed any CG's to come in her place to help her. She also didn't use it the one time she was in rehab.
IDK, personally, haven't looked into one, but at age 66, I imagine that one for me would be pretty expensive.
There may be some that have a 'cash out' amount available if not used, but if so, I don't know of it.
I'm looking for insurance
for those first 90 days, before LTC kicks in.
Like most insurance you have to read the policy. Get one that fits with what you want.
One thing to consider is your home. Is it actually able to allow you to remain in the home SAFELY if equipment has to be used? Are there stairs? Wide hallways? Wide doorways? Large bathroom that can or is handicap accessible?
The next hurdle is expense. All Long Term Insurance Policies are expensive. The younger you are when you purchase the better. And missing but 1 payment will generally end the policy.
And look into policies that IF home care (or any care) is not needed the money that has been paid into the policy reverts to a Life Insurance so beneficiaries benefit from any value. (as I asked the person selling me my policy...I am standing by my mailbox mailing my payment...a car hits me and kills me...I no longer need the LTC what happens to all that money...?
Newer policies may offer equal coverage for in home and SNF care.
Of course, no one will issue you new coverage if you already need or expect to need care.