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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.
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I am 67 and could spend about $100 a month. Not on Social Security yet until next June when I turn 68. How do i go about finding a GOOD long term care insurance?
That was probably my post--my parents bought a LTC policy and when we had to look into using it, were shocked to see it only paid out $25 a day towards the kind of CG we needed for mom. Needless to say, it was basically worthless.
I know mom and dad bought this in their 40's, so in the 70's. I know they really thought it was a good move. It will sit in mom's portfolio, unused to the day she dies. When she's needed a little extra for a rehab facility, OS just does what she always does: Pulls out her Platinum Amex card and says 'put the balance on this' and goes her merry way. Trying to meet all the requirements for using the LTC policy was so daunting, this is what we opted to do.
BTW--mom and dad always said their LTC policy was 'the gold standard' of policies. It wasn't worth the paper it was printed on.
So--I wish you luck, and IF you can find something--PLEASE come back and let the site know!! This is a question that gets asked frequently.
This is a policy that you should have bought at a younger age with inflation being factored in. We just had a post where the member said her parent's LTC insurance, that was bought when young, paid $25 a day. The cost of a NH is over 300 a day in my area and an AL is over 5k a month at least. Assisted livings and Memory cares are private pay. In most States Medicaid only pays for NHs.
Just like with life insurance, the older u get the more it will cost.
Unfortunately, long term care insurance is extremely expensive. I don't know that, at nearly 68 years old, you're going to be able to find a reputable policy for $1200.00 a year,
If you have a financial advisor, this is a subject I would broach with him/her. If no advisor, then perhaps ask your CPA for a recommendation. An elder attorney might be able to give you some advice, but that can be a pricey consultation.
Depending on what your projected income is going to be down the road, you might actually be better off going the Medicaid route if/when you need a care facility; and that's where an elder attorney will be able to advise you.
Before you purchase anything, please make sure you READ and UNDERSTAND the entire policy. Some policies have impossible terms in place before they'll pay out: for example, they won't pay for coverage in a facility that doesn't have an RN on staff 24/7, which very few (if any) do. If you have a facility in mind, you might want to reach out to someone in their billing department and ask what policies they accept.
I would *not* call any of the insurance companies until you've done your own, independent research, because it's the job of the insurance companies to sell you policies. They are always going to make the police sound like the greatest thing since sliced bread; they're certainly not going to volunteer any pitfalls in the policies.
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 know mom and dad bought this in their 40's, so in the 70's. I know they really thought it was a good move. It will sit in mom's portfolio, unused to the day she dies. When she's needed a little extra for a rehab facility, OS just does what she always does: Pulls out her Platinum Amex card and says 'put the balance on this' and goes her merry way. Trying to meet all the requirements for using the LTC policy was so daunting, this is what we opted to do.
BTW--mom and dad always said their LTC policy was 'the gold standard' of policies. It wasn't worth the paper it was printed on.
So--I wish you luck, and IF you can find something--PLEASE come back and let the site know!! This is a question that gets asked frequently.
Just like with life insurance, the older u get the more it will cost.
If you have a financial advisor, this is a subject I would broach with him/her. If no advisor, then perhaps ask your CPA for a recommendation. An elder attorney might be able to give you some advice, but that can be a pricey consultation.
Depending on what your projected income is going to be down the road, you might actually be better off going the Medicaid route if/when you need a care facility; and that's where an elder attorney will be able to advise you.
Before you purchase anything, please make sure you READ and UNDERSTAND the entire policy. Some policies have impossible terms in place before they'll pay out: for example, they won't pay for coverage in a facility that doesn't have an RN on staff 24/7, which very few (if any) do. If you have a facility in mind, you might want to reach out to someone in their billing department and ask what policies they accept.
I would *not* call any of the insurance companies until you've done your own, independent research, because it's the job of the insurance companies to sell you policies. They are always going to make the police sound like the greatest thing since sliced bread; they're certainly not going to volunteer any pitfalls in the policies.
Good luck.