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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.
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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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Mom just died. But the bills don't stop. And I have to give the funeral home a check also. Can I write checks on moms accounts after the date she dies?
NOPE. POA ends at death. Bank accounts are frozen. After death you go to the bank with the death Certificate and the original Will naming you as Executor.
It will be a week before I get the death certificates. Would the bank stop payment on a check I write on moms account? Have to bring check to funeral home. Will get death certificates from them. Then go to bank a few days later. The bank will probably know she has died before the funeral home cashes the check. Also her home insurance bill is due real soon. Can I fudge things or do I need to use my one money to pay the bills until bank unfreezes accounts?
Barbara, I am sorry to learn of your mother's death. I know it's been a long hard road for you, and hope that you're able to find peace as you remember your life with her before the medical issues began.
When I've dealt with funeral homes, they've always understood that funds aren't necessarily readily available. I've kept them advised as to funds that I would be withdrawing, as well as status of other relevant matters, and they've understood. Sometimes it was a week or more before funds were available to pay; there was never any problem.
Perhaps you could just explain the situation to the funeral home. I wouldn't risk problems with your mother's account by writing checks based on authority that's expired.
However, is your brother or are you the executor, and how was the account titled - jointly between your mother and you, payable on death? If the latter, then you can write checks against the account.
You should also let the HO agent know; probably the first question asked is whether or not the home is vacant. The agent may contact the underwriter and grant an extension for payment of the premium, given the circumstances.
Hadnuff, I'm so sorry to learn of your mom's passing. I hope you can find some peace and comfort in the coming days, knowing you did all that you could do for your mom. Hugs...
Your power of attorney "dies" with the person. If you are the executor and on the bank account, you can usually still write checks. But if you are not executor and writing checks as power of attorney for a dead person, it's not really legal. Banks are not supposed to honor power of attorney after death.
kfoot1962, only the Executor can set up a bank account for the person who has passed, it would read Estate of_________________, then under that the name of the Executor.
The person who passed, the Will would need to go into County/City/Town probate court. The Executor can use the bank account to write checks for bills, and every penny has to be accounted for thus every bill and copy of the check to be available when the final accounting is presented to the Probate Court. Yes, it does sound like a maze, nothing is easy when a person passes on.... [sigh]
I went through this a year ago. Before my dad died, he made me POA and also filled out paperwork at the bank to make me the recipient upon death. However, his accounts were joint with my stepmother who has severe dementia. I had to apply for guardianship which is a long, complicated, and expensive process in my state. A relative loaned me the money for the 10% deposit at the funeral home. Also we showed the funeral home my dad's life insurance policy to prove that we would be able to pay the entire amount.
No POA can no longer do anything. You need to Probate the will and get paperwork stipulating you are the executor. Having it stated in the will is not enough. You will need a death certificate and the original will to do this. This will be the "legal" paperwork you need to conduct ur Mom's estate. A bank should not do business without this. Maybe the funeral director will allow u an original to get this done so he can get paid. In my instance, the Surrogate's office kept the original will making a copy they attached to the paperwork allowing me to handle Mom's estate.
I withdrew all the money from her checking account as POA the day after she passed to help with funeral costs because her medicaid was denied. Should I be worried?
I withdrew all the money from her checking account as POA the day after she passed to help with funeral costs because her medicaid was denied. She had no will or executor.Should I be worried?
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.
After death you go to the bank with the death Certificate and the original Will naming you as Executor.
When I've dealt with funeral homes, they've always understood that funds aren't necessarily readily available. I've kept them advised as to funds that I would be withdrawing, as well as status of other relevant matters, and they've understood. Sometimes it was a week or more before funds were available to pay; there was never any problem.
Perhaps you could just explain the situation to the funeral home. I wouldn't risk problems with your mother's account by writing checks based on authority that's expired.
However, is your brother or are you the executor, and how was the account titled - jointly between your mother and you, payable on death? If the latter, then you can write checks against the account.
You should also let the HO agent know; probably the first question asked is whether or not the home is vacant. The agent may contact the underwriter and grant an extension for payment of the premium, given the circumstances.
The person who passed, the Will would need to go into County/City/Town probate court. The Executor can use the bank account to write checks for bills, and every penny has to be accounted for thus every bill and copy of the check to be available when the final accounting is presented to the Probate Court. Yes, it does sound like a maze, nothing is easy when a person passes on.... [sigh]
A relative loaned me the money for the 10% deposit at the funeral home. Also we showed the funeral home my dad's life insurance policy to prove that we would be able to pay the entire amount.