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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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Beside the fact it was a week after his death and through facebook more a less how I found out he passed. When I asked about the insurance policy. I was informed that he had no insurance. What should I do?
Insurance policies with cash value are a considered an asset by Medicaid, and thus may have been spent down. He may longer have had it in force when he died.
If he died a week before you even found out about his death, I take it you weren't very involved in his life or his care. Who handled the burial or cremation? Could that be why the NH was interested in his policy? Did he perhaps make them the beneficiary for this purpose?
Do you remember the company the policy was with? Are you any only child? If not, do any of your siblings know anything about this?
I was not involved with him after he went in to the nursing home. He wasn't a pleasant person. God rest his soul, I know now it was not about anyone or anything except him coming to peace with himself and with God. After the rehabilitation and when entering the home they were back and forth with me getting 3 months back bank statements. They were very specific stating any house notes utility bill, phone, credit card ect.. Would not be paid. Also for the next 3 or 5 years not sure which, he was in able to sell, give, or trade his home, medicaid regulations. The one and only "bill" they were concerned with was the life insurance policy. Both medicaid and the home requested it.
As far as I am aware, Medicaid does not ask to be a beneficiary. Here in NJ you have to cash a policy in. It can be used for prepaying a funeral. Balance goes towards the spend down. If I am wrong, I would think Medicaid requested a copy when he filed for Medicaid. If an insurance policy is found, unless a spouse is the beneficiary, the beneficiary is not liable for any debts.
Check his checkbook to see if he was still paying premiums. Does he have a safe deposit where he put important papers? Why does the home think there is an insurance policy? Do they have info on it or r they just assuming.
I havemy Moms house up for sale. While on Medicaid I was to get Market Value. If it had been sold, Mom would go off Medicaid until the money was spent down at which time u file for Medicaid again. Now she is gone I need to get enough for the house to pay Medicaid and back taxes. You haven't said if Dad has a policy or not. What makes them think he does? Did he retire with a policy with his Employer? If so, Medicaid could not touch it because the employer paid for it. If there is...Medicaid should be paid but I don't think the Home should be. They were paid by Medicaid unless they can get the difference. In Moms situation she private paid 9600 a month. Went on Medicaid. Her income was $1700 a month and Medicaid paid $2000 a month. If you know of an insurance policy you may need help determaining if Medicaid or the home are entitled to it. Like I said, there is a difference if you pay for ur own on your employer holds it. Please get back to us with what happens.
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 he died a week before you even found out about his death, I take it you weren't very involved in his life or his care. Who handled the burial or cremation? Could that be why the NH was interested in his policy? Did he perhaps make them the beneficiary for this purpose?
Do you remember the company the policy was with? Are you any only child? If not, do any of your siblings know anything about this?
You haven't said if Dad has a policy or not. What makes them think he does? Did he retire with a policy with his Employer? If so, Medicaid could not touch it because the employer paid for it. If there is...Medicaid should be paid but I don't think the Home should be. They were paid by Medicaid unless they can get the difference. In Moms situation she private paid 9600 a month. Went on Medicaid. Her income was $1700 a month and Medicaid paid $2000 a month. If you know of an insurance policy you may need help determaining if Medicaid or the home are entitled to it. Like I said, there is a difference if you pay for ur own on your employer holds it. Please get back to us with what happens.