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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.
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:
Take a moment to think about IF you will have your own money available at the time of Death to PAY for the funeral. If you won't have cash on hand in the bank, pre-paid funeral/cremation arrangements are great when you want to plan ahead logically, make your own personal choices, and create the budget you feel comfortable with... As a licensed funeral director, I suggest an insurance policy made as Irrevocable Change of Ownership to funeral home, no one can cash it out during life, but premiums still have to be paid regularly. OR better, pre-pay the funeral home charges via final-expense insurance or Trust Acct. Whatever money during life is put into the insurance/Trust can never be lost even if you skipped payments. You protect the "dollar value" in this method.
I'm confused on the ? - are you trying to figure out what to do in advance to pay for funeral/burial or are you at the point where you are going to need deal with a funeral in the near future and have an insurance policy that could be used?
If you do a pre-need funeral & burial, you can decide what level of services and products are to be done and the length of time to payoff in full for the tally. This is usually paid via a monthly payment plan for 5 - 10/20 years (you need to be careful on this and it has to be paid faithfully and on time so there are no issues on fulfillment). Some FH have a spin to this so that it is an insurance policy that the FH gets in full upon death to pay for their services and you can either prepay in full for the insurance policy or via a monthly payment plan. The cost will depend on their age and preexisting conditions. If they are quite old, this option really doesn't exist.
My mom did a preneed for the funeral & took over over 10 years to pay off, also has small vault insurance policy (I think because the cementary is religious they can only do it this way) for $ 200 towards opening/closing the vault (dad is there). When she dies, the funeral costs except for floral are already paid. But there will be costs related to the burial as that $ 200 ages ago will not cover the full cemetery costs. My mom has a small term life insurance policy, which if costs for burial & cemetery will run about the same amount, I can sign over the policy to the cemetery to pay off any balance. Or I can have the insurance policy pay me directly as I am the beneficiary and then I pay the cemetery. If the costs exceed the insurance policy, I will sign it over as it's just less work and write a check for the difference. The FH and cemetery will require a source of payment in order to do anything so keep this in mind.
Funerals are horrendously expensive and if you want to go that route, then doing a preened is best as you are not under stress, emotion, etc when you are making decisions. My dad wanted a full big funeral and vault and did what was needed to make that happen by & large for them. My MIL did no planning; son's did cremation. Her costs ran about $ 1,500 w/body transfer & cremation, etc.
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 do a pre-need funeral & burial, you can decide what level of services and products are to be done and the length of time to payoff in full for the tally. This is usually paid via a monthly payment plan for 5 - 10/20 years (you need to be careful on this and it has to be paid faithfully and on time so there are no issues on fulfillment). Some FH have a spin to this so that it is an insurance policy that the FH gets in full upon death to pay for their services and you can either prepay in full for the insurance policy or via a monthly payment plan. The cost will depend on their age and preexisting conditions. If they are quite old, this option really doesn't exist.
My mom did a preneed for the funeral & took over over 10 years to pay off, also has small vault insurance policy (I think because the cementary is religious they can only do it this way) for $ 200 towards opening/closing the vault (dad is there). When she dies, the funeral costs except for floral are already paid. But there will be costs related to the burial as that $ 200 ages ago will not cover the full cemetery costs. My mom has a small term life insurance policy, which if costs for burial & cemetery will run about the same amount, I can sign over the policy to the cemetery to pay off any balance. Or I can have the insurance policy pay me directly as I am the beneficiary and then I pay the cemetery. If the costs exceed the insurance policy, I will sign it over as it's just less work and write a check for the difference. The FH and cemetery will require a source of payment in order to do anything so keep this in mind.
Funerals are horrendously expensive and if you want to go that route, then doing a preened is best as you are not under stress, emotion, etc when you are making decisions. My dad wanted a full big funeral and vault and did what was needed to make that happen by & large for them. My MIL did no planning; son's did cremation. Her costs ran about $ 1,500 w/body transfer & cremation, etc.