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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.
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That depends on whether you have coverage now or not. Also, if you don't have coverage, it will depend on your age and physical condition.
Try calling insurance agents who represent more than one company. Get several opinions. You may even want to clear you choice through your state insurance office.
LTC insurance has improved a lot over the years, but it's still tricky. Move ahead with advice from experts and look at all views. Carol
The problem with long-term care insurance is that it is very expensive. I recommend that one not spend more than 6% of disposable income on long-term care insurance.
The issue is further complicated by the fact that long-term care insurance companies have not been able to keep premiums to existing policyholders stable over the past 20 years. (John Hancock, one of the preeminent carriers, just announced a 40% rate increase to most of its existing policyholders.)
This means that what you initially contract for in terms of benefits and premiums will not likely be what exists at claim time many years down the road.
If you are going to purchase, consider carefully benefit vs. premium. Don't over-insure.
Lastly, DO NOT PURCHASE ANYTHING OTHER THAN A "PARTNERSHIP" POLICY!
Partnership policies will protect your assets and allow you to qualify for Medicaid after policy benefits are exhausted without having to spend down.
You can "stabilize" your premium by contracting for a limited premium term (if you can manage it). Some carriers offer a "single-pay" or "ten-pay" option. By contracting in this manner, your premium will be fixed and not subject to increase.
I don't know if this is still available, but my mother bought a rider on her policy that once she was in the nursing home for I think 3 months or so, the premiums were not longer charged which is a great savings each year. She bought her policy back in 1996 and since starting to use it in May of 2009, she has more than received back in payments what she paid in premiums. Also, she wisely put the premiums on auto-withdrawal.
Auto-withdrawal for payments will (hopefully) prevent the policy from lapsing unintentionally. Most companies also offer what is known as "third party notification" in the event premium is past due.
The policy provision you are speaking of is called "Waiver of Premium" and is typical of most policies although some are offered without it.
Do LTCs pay relatives to provide care? My mom's financial planner who is not and eldercare expert by the way says yes but I've heard no. I would think no because of liablity concerns. I'd really like to know the answer to this.
Consumers today have variety of payment options such as long term care insurance, government programs and combination products. Long term care insurance is a bit pricey so it is recommended to purchase early while you're still young and healthy, avail discounts and by creating a smaller policy. Long term care insurance costs can go around $1,000 to $7,000 annually which is still costly for some people. By exploring your options first, you'll surely find a policy that is within your budget and can satisfy your future care needs.
Payment options for long-term care insurance depends on the policy your chose. If you purchased a traditional long-term care insurance, infolongtermcare.org stated that you should be able to pay the monthly premiums until the need for care arises. Paying it via auto-withdrawal is a good idea so you are sure that you are religiously paying your premiums and avoid having your policy lapse due to non-payment. But it you get a combination product like the hybrid long-term care insurance, you must be able to pay it on a lump sum basis. You can pay your long-term care insurance depending on your preference and finances, just make sure to keep it and avoid cancelling your policy because you will be wasting money if you don't keep it.
Carol shared a helpful tip that can help consumers cut their premiums. You should seek the help of a company that can provide you with multiple quotes from different carriers. Since long-term care insurance is expensive, consumers are encouraged to compare quotes first before purchasing. This gives you the liberty to compare costs, benefits, discounts and policies from one company to another.
Long term care insurance costs are expensive in nature and by exploring your options, you can find an affordable policy that can satisfy your future care needs.
Traditional tong-term care insurance are payable via monthly premiums. Just make sure that you get a policy that suits your preference and needs only, avoid over-insuring and do not buy a policy that exceeds what you can afford or you will end up dropping your policy which is a total waste of money. Experts recommends that you shop for long-term care insurance quotes from top insurance providers. Prices vary widely depending on the company so it would be advisable to get different quotes from different companies, compare them, talk to an expert and choose the best one. Check out these couple of resources that provides free ltci quotes from reputable companies: http://www.infolongtermcare.org/get-free-ltci-quote/ http://www.aaltci.org/long-term-care-insurance/free-quote/
I'm curious about the advice not to over-insure with LTC insurance. Our family's experience has been that the (very good) policy our parents paid into for more than twenty years is barely adequate to pay for their needs. I guess it depends on how you picture your elder years, but I can tell you, I never expected my once-healthy, active parents to need the level of care they need now! So my advice would be, don't over-insure OR under-insure. And look at your own family history for clues - one thing that I think my folks didn't take into account when choosing an insurance policy, was the hereditary nature of Alzheimer's disease, since my grandmother had it and now my dad has it too. (But he never, ever expected to get it, because he was so health-conscious. He didn't think about the genetics, or if he did, I'm sure he thought he could beat the odds.)
my premium will jump over $500 soon--that will make it now a payment of over $900 monthly--anyway, I will have to lower options in benefits. been paying premiums since 2003 and when it jumped to $400, I was surprised but this is terrible. I was wondering if my kids get any of this money after I kick the bucket ??
Sadie Mae, I don't think the LTC payout can be used for anything other than LTC for yourself. It's not like a life insurance policy with a cash payout. There are some policies now (I think) that have both life insurance and LTC in one package, which would be different. It's probably best to ask your insurance company or agent to answer this question.
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.
Try calling insurance agents who represent more than one company. Get several opinions. You may even want to clear you choice through your state insurance office.
LTC insurance has improved a lot over the years, but it's still tricky. Move ahead with advice from experts and look at all views.
Carol
The issue is further complicated by the fact that long-term care insurance companies have not been able to keep premiums to existing policyholders stable over the past 20 years. (John Hancock, one of the preeminent carriers, just announced a 40% rate increase to most of its existing policyholders.)
This means that what you initially contract for in terms of benefits and premiums will not likely be what exists at claim time many years down the road.
If you are going to purchase, consider carefully benefit vs. premium. Don't over-insure.
Lastly, DO NOT PURCHASE ANYTHING OTHER THAN A "PARTNERSHIP" POLICY!
Partnership policies will protect your assets and allow you to qualify for Medicaid after policy benefits are exhausted without having to spend down.
You can "stabilize" your premium by contracting for a limited premium term (if you can manage it). Some carriers offer a "single-pay" or "ten-pay" option. By contracting in this manner, your premium will be fixed and not subject to increase.
Auto-withdrawal for payments will (hopefully) prevent the policy from lapsing unintentionally. Most companies also offer what is known as "third party notification" in the event premium is past due.
The policy provision you are speaking of is called "Waiver of Premium" and is typical of most policies although some are offered without it.
Buyer beware!
Long term care insurance costs are expensive in nature and by exploring your options, you can find an affordable policy that can satisfy your future care needs.
http://www.infolongtermcare.org/get-free-ltci-quote/
http://www.aaltci.org/long-term-care-insurance/free-quote/