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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?
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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.
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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He is a veteran but does not qualify for help. His policy states LONG TERM CARE BUT he only has nursing home care. We are looking for additional types of funding.
My mother's LTC insurance also doesn't cover AL. We (my 3 brothers and I) still tried to convince her to go to AL, as she obviously needed the help. Her LTC insurance also covered in-home help, but she refused to have someone come in.
In Oct 2018 she had a gallbladder infection and went from "independent" living in her condo to the hospital for 17 days, then rehab, then placement in a SNF. She bypassed AL and went right to SNF. Her LTC insurance kicked in after the 30-day exclusion period (once she was no longer Medicare-rehab qualified).
I know there have been some lawsuits over the LTC policies that only cover SNFs. I'd think long and hard about taking THAT route, though.
Even though my mother clearly qualified for the SNF, it still took months for the LTC insurance to qualify her. They used the S T A L L technique. But they eventually qualify her, and it was retroactive.
Probably too late to get insurance. If your father's income is below the state's "OSS" Optional State Supplement limit - some facilities will take this form of Medicaid for Asst. Living. There are not a lot of them, and most of them are usually not acceptable, since they are for the "less fortunate", but that is the only option I can think of.
Having Long Term Care insurance is great, however - you will just want to watch his ability to do his ADLs (activities of daily living) and be able to move him to a nursing home (sadly) as soon as possible, to take advantage of those benefits.
Re. the VA benefits - does he not qualify because he didn't serve during "war time", or because of his income/assets? Important to meet with a VA rep to learn how to reduce his income by unreimbursed medical expenses, if the reason is income. The VA now has a 3-yr look back period - if that is the reason, if assets were transferred in that 3-yr period, that is another matter - need to return the assets transferred.
Medicaid in some states will provide bed and board funding for AL with a medical needs wavier. In TN, Medicare covers a fee for required medical treatment and the Medicaid wavier covers the bed and board Medicare does not cover.
Your Dad was never in the service during Wartime? The Korean? He didn't have to be in the fighting just serving at that time. If yes, then he could apply for Aid and Attendance. It wouldn't cover the complete cost of an AL but with SS and pension, maybe some savings he could make the total cost.
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.
In Oct 2018 she had a gallbladder infection and went from "independent" living in her condo to the hospital for 17 days, then rehab, then placement in a SNF. She bypassed AL and went right to SNF. Her LTC insurance kicked in after the 30-day exclusion period (once she was no longer Medicare-rehab qualified).
I know there have been some lawsuits over the LTC policies that only cover SNFs. I'd think long and hard about taking THAT route, though.
Even though my mother clearly qualified for the SNF, it still took months for the LTC insurance to qualify her. They used the S T A L L technique. But they eventually qualify her, and it was retroactive.
Having Long Term Care insurance is great, however - you will just want to watch his ability to do his ADLs (activities of daily living) and be able to move him to a nursing home (sadly) as soon as possible, to take advantage of those benefits.
Re. the VA benefits - does he not qualify because he didn't serve during "war time", or because of his income/assets? Important to meet with a VA rep to learn how to reduce his income by unreimbursed medical expenses, if the reason is income. The VA now has a 3-yr look back period - if that is the reason, if assets were transferred in that 3-yr period, that is another matter - need to return the assets transferred.
Good Luck.