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Which best describes their mobility?
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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?
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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.
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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.
Remember, this assessment is not a substitute for professional advice.
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First of all, I am not a real estate attorney, but if the mortgage isn't paid, then the bank is going to foreclose on the house. So someone is responsible.
If you are on title, then the responsibility will inevitably fall to you.
You will either have to sell, pay the mortgage or deal with the foreclosure proceedings.
Yes ma'am you are responsible. I NEVER recommend being joint owners with a parent only because I'm going thru a nightmare re:joint property and it was a gigantic mistake. Mom's been gone 2 yrs and my sister and are involved in an entanglement. Our relationship is totally gone. Emotionally, I will never get over this!!! I hope your situation is better than mine.
When a person dies, by & large their debts die with them. But if the debt is a secured debt (which a mortgage is), they do not. If the property still has debt on it (like a mortgage), it is not actually "owned". When the mortgage holder dies, the mortgage usually will be a claim or lien on the estate in probate court as it is a secured debt. When she dies and you go to probate, the mortgage will be entered as such. In order for the property to be transferred or release to the person named in JTWROS, the mortgage will likely will have to be paid off in full so you get a deed release to enter in probate to do the transfer.
You really need to look at the mortgage document to see how they deal with this. Paying it off in full (by you or anyone else who is interested in it) will probably be the better $$ situation, even if it makes her estate indebted to you for doing this. Talk with the probate attorney to see what works best in your state. If you weren't on the mortgage documents and need to have the mortgage transferred to you, the mortgage companies will now usually require that you qualify and the requirements are probably going to be a lot more stringent than how your mom qualified when she did the mortgage. It's usually not a simple, just transfer to another name.
If I were you, I'd find the paperwork and read through carefully to see what needs to be done upon death. You may be lucky and her mortgage has a separate life insurance policy that pays off the mortgage balance 100% upon the mortgage holder's death. Some old mortgages routinely have this included. Good luck.
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 you are on title, then the responsibility will inevitably fall to you.
You will either have to sell, pay the mortgage or deal with the foreclosure proceedings.
You really need to look at the mortgage document to see how they deal with this. Paying it off in full (by you or anyone else who is interested in it) will probably be the better $$ situation, even if it makes her estate indebted to you for doing this. Talk with the probate attorney to see what works best in your state. If you weren't on the mortgage documents and need to have the mortgage transferred to you, the mortgage companies will now usually require that you qualify and the requirements are probably going to be a lot more stringent than how your mom qualified when she did the mortgage. It's usually not a simple, just transfer to another name.
If I were you, I'd find the paperwork and read through carefully to see what needs to be done upon death. You may be lucky and her mortgage has a separate life insurance policy that pays off the mortgage balance 100% upon the mortgage holder's death. Some old mortgages routinely have this included. Good luck.