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Who are you caring for?
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.
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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Without a long term care policy, I don’t understand how people afford to put their parents in an assisted living facility... and home care is $20 an hour with 4 hr minimum!!!
I have talked with elder law attorneys and social workers, they all say if you live long enough with a long term illness (like my mom with Parkinson's) everyone will end up on Medicaid. I do the bulk of my mom's care for free, but she still pays for nurses a couple times a week. Right now we're spending down her investments and expect to apply for medicaid in a year or so.
I paid a family friend. We could be more flexible with hours. Fit her needs and his needs and we were not at the mercy of a profit-generating agency. Of course, there was no backup but me. If you can get a network of friends/family to help on a limited basis so no one carries the whole burden, good for you. That takes some organizational skills, too.
Start planning for Medicaid. If your Mom has assets and money in the bank spend that money towards in home care if needed. When assets are depleted, she will qualify for LTC Medicaid. Start looking at nursing homes in area that accept Medicaid.
I was born in 1970. My parents paid cash for everything, we never went on vacation, had fast food ONCE a week. My mill village home wasn’t air conditioned, we had a gas heater in the living room & bathroom. They owned one car (small low end) until my mom went to work in 1979 (another small, low end car). They never, ever had a credit card. Didn’t believe in them! What money didn’t go for bills/food was saved.
In 2003 they finally bought a modern (1970’s, haha!) home, with central heat/air & paid cash. IMO, a nice feat for two school drop-outs.
Dad died without needing extended care, but Mom has required 24\7 paid care since Jan. 2016. She will be going on Medicaid in a few months & is quite upset that the government will be supporting her.
(My favorite aunt, lived in pretty brick house, with that magical cold/hot air that would come out of vents in the floor, a machine that washed the dishes, and drove big, shiny, cars with leather seats. Guess who was borrowing money from whom? Didn’t know that till I was grown.)
My husband grew up the same, exact way, except his mom still lives in an old, UN-remodeled, farmhouse.
My husband & I are very careful how we spend our money, but not to the extent our parents were. People do laugh at us, however. We have a nice savings & currently my husband is set to receive a pretty good pension but even so, we will NOT be able to afford care like my Mom has gotten.
Be careful about long term care policies. They are not as good as they once were. Many people end up paying increasingly high premiums until they find they can no longer afford them. All that money ends up going for nothing. Also, be sure to read the fine print. They just don't cover what they used to, and they use every means they can to avoid paying. Personally, I don't think they are worth it.
Care is really so expensive, I agree with you. Does mom have medicaid? If not, I'd work towards getting her qualified, then there will be programs available to her. My dad was in an assisted living (now in a board and care) and the cost was/is more than double what his income is. We had to rally the family troops and everyone contributes financially to make it work. I know not all families can do that. I'm also a geriatric social worker and I've made a video on creative ways to fund senior care. I also came across a company, https://www.silvernest.com/ that coordinates shared living for seniors, and you could arrange a caregiver situation.
Also, look into your local caregiver resource center, or office on aging for respite grants.
Lori, I can understand the sticker shock of paid home care and senior living facility.
My parents were very fugal their whole lives, lived way below their means, lived off of one income, cut coupons, never bought anything new unless the items was far beyond repair, had one car, etc. So when they become older they had the "rainy day savings", and thank goodness they did.
They also trained me to save, I had my own savings account when I was 5 years old back in the early 1950's so every $1.00 I got from my grandparents for birthdays/holidays went into that account. Started buying stock in the late 1960's. I have my rainy day account all set. Whew.
But I understand that having a rainy day savings is far out of reach for so many people. Especially trying to save today with all the added expenses we never had decades ago, such as those outlandish cable bills and cellphone/computer cost. And credit cards haven't help matters, neither. I remember life before credit cards.
Thank goodness there is Medicaid that will help those that need a village to help with their care. Medicaid [which is different from Medicare] will pay for room/board and care for whomever qualifies.
I think having the savings needed at end of life is a result of many things already mentioned here. My parents lived through the depression and were savers, teaching my brother and myself to save at a very early age. My brother is now 85 and just entered assisted living, something he would never have been able to do had he not saved all his life, as many stated below, no cell phone, no TV, coupon cutting, checking every penny, always paying in cash, never using credit. He was a waiter all his life, so made no money, but did make good real estate decisions. His joy was old property bought cheap and brought back to beauty, then resold and on to the next. That's how he ended up with more money than he can outlive, that and the luck of good health so he needed nothing until 85. So it is a matter of both luck and very very hard work to get to the place where you are "secure". And it doesn't happen. And will happen less and less with the college loans that don't get paid off until retirement these days. I shudder to think, but won't BE here to think, so there's that. You are so correct, that either in home care or Assisted Living is just not affordable for so much of our population. And if we become ill early the money is soon enough gone. Do the best you can with any assets, especially real estate. Then it will be medicaid and medicare and what care they will provide. Not easy at all.
My father trained me to save, to invest, and, I did. I also have a cash flow due to rental property. I feel that I will be able to provide myself with the funds needed to go into a upscale home and that is what I intend to do. Unfortunately, today most Americans are poor savers, I am not sure what will happen in 30 years, although, I won't be here, I still wonder.
Dolly, too many of us Americans have been stuck in minimum wage jobs...this is not a fault that they did not save, realistically they couldn't. And a great many women are in especially bad shape because they worked in the home, caregiving, raising children, etc. etc. and never had much of a paid/cash economy work record. But fear not! I have read that life expectancy is actually declining! And for a growing number of people the kind of medical miracles that make extended life possible simply will not be there because they will be unaffordable. Many people do not seem to realize that the US is declining, yes, declining. Has been for some time. Might I suggest reading the books and essays of Andrew Bracevich? A thinking conservative.
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.
In 2003 they finally bought a modern (1970’s, haha!) home, with central heat/air & paid cash. IMO, a nice feat for two school drop-outs.
Dad died without needing extended care, but Mom has required 24\7 paid care since Jan. 2016. She will be going on Medicaid in a few months & is quite upset that the government will be supporting her.
(My favorite aunt, lived in pretty brick house, with that magical cold/hot air that would come out of vents in the floor, a machine that washed the dishes, and drove big, shiny, cars with leather seats. Guess who was borrowing money from whom? Didn’t know that till I was grown.)
My husband grew up the same, exact way, except his mom still lives in an old, UN-remodeled, farmhouse.
My husband & I are very careful how we spend our money, but not to the extent our parents were. People do laugh at us, however. We have a nice savings & currently my husband is set to receive a pretty good pension but even so, we will NOT be able to afford care like my Mom has gotten.
I also came across a company, https://www.silvernest.com/ that coordinates shared living for seniors, and you could arrange a caregiver situation.
Also, look into your local caregiver resource center, or office on aging for respite grants.
I hope you find a solution!
My parents were very fugal their whole lives, lived way below their means, lived off of one income, cut coupons, never bought anything new unless the items was far beyond repair, had one car, etc. So when they become older they had the "rainy day savings", and thank goodness they did.
They also trained me to save, I had my own savings account when I was 5 years old back in the early 1950's so every $1.00 I got from my grandparents for birthdays/holidays went into that account. Started buying stock in the late 1960's. I have my rainy day account all set. Whew.
But I understand that having a rainy day savings is far out of reach for so many people. Especially trying to save today with all the added expenses we never had decades ago, such as those outlandish cable bills and cellphone/computer cost. And credit cards haven't help matters, neither. I remember life before credit cards.
Thank goodness there is Medicaid that will help those that need a village to help with their care. Medicaid [which is different from Medicare] will pay for room/board and care for whomever qualifies.