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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:
I paid the first months rent and am getting ready to move my parents in. I have been told that I have to pay the first 90 days before the insurance will pay. What if they get denied? Is it possible?
Most LTC policies have a 90 "elimination period". Those first 3 months of rent should come out of your parents' assets.
In order to find out if the facility will be covered by the LTC policy you need to make sure that your parents qualify for coverage based on a professional assessment t of their ability to care for themselves, AND that the facility meets the requirements of the policy.
Some LTC policies will ONLY pay for nursing home care, while others will also pay for Assisted Living if the client meets certain criteria. Some policies will only pay for a facility that has an RN on staff 24/7.
Really, you need to talk with the insurance company AND the facility to make sure they are covered before your parents take up residence.
I agree: you need to confirm that the insurance will cover care in the place you are moving them to. Is this an assisted living place that has other residents who are "on claim" for LTC benefits?
If you can find the policy evidence of coverage, it should tell you how they qualify. If they have a web site, you may be able to set up an account and download a copy.
It might look like: "Nursing Home Benefit We will pay the Nursing Home Benefit when We determine that You have: a Deficiency in three (3) or more Activities of Daily Living; or a Cognitive Impairment; or a Complex, Yet Stable Medical Condition; and You incur covered expenses. All Other Benefits We will pay all other benefits when We determine that You have: • a Deficiency in two (2) or more Activities of Daily Living; or • a Cognitive Impairment; or • a Complex, Yet Stable Medical Condition; and You incur covered expenses."
Check your policy. With my mom, the dementia diagnosis was enough so didnt have to need as much help with ADL. My mom needed at that time more help with IDL, like medication management, reminders to eat, more help completing tasks,etc. We started the process of getting approved when she put the deposit down which was about 30 days before she moved in. There was a lot of paperwork involved, but my mom has a great policy through Genworth. They also wanted copies of my POA so I could do paperwork. And once they start paying benefits, she didnt have to pay monthly policy payments anymore
The business person at the facility can look at your policy and see if they qualify. When you file claim, they will send someone to the facility to evaluate it and her care plan. If your policy requires a certain number of ADL assistance, make sure that is documented in her care plan. also they did a cognitive evaluation for themselves, did not use her doctors or facility one. It really annoyed my mom, that lady was there talking to her for a couple hours.
The way my mom's facility and her LTC works is that they auto debit her fees from her bank account, and they send an itemized bill to the LTC insurance, the LTC insurance then pays the claim by auto depositing money in my moms account. My mom's policy had a 90 day period that she paid all of it on her own.
Ssomething to consider with Covid. If you take her out for either hospitalized or just to your house, even if you still pay rent, check her policy, because you could restart another 90 day exclusion period if she stays gone too long, depends on policy,
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.
Speak with the insurance company to understand how it works to avoid any surprises.
In order to find out if the facility will be covered by the LTC policy you need to make sure that your parents qualify for coverage based on a professional assessment t of their ability to care for themselves, AND that the facility meets the requirements of the policy.
Some LTC policies will ONLY pay for nursing home care, while others will also pay for Assisted Living if the client meets certain criteria. Some policies will only pay for a facility that has an RN on staff 24/7.
Really, you need to talk with the insurance company AND the facility to make sure they are covered before your parents take up residence.
If you can find the policy evidence of coverage, it should tell you how they qualify. If they have a web site, you may be able to set up an account and download a copy.
It might look like:
"Nursing Home Benefit
We will pay the Nursing Home Benefit when We determine that You have:
a Deficiency in three (3) or more Activities of Daily Living; or
a Cognitive Impairment; or
a Complex, Yet Stable Medical Condition; and You incur covered expenses.
All Other Benefits
We will pay all other benefits when We determine that You have:
• a Deficiency in two (2) or more Activities of Daily Living; or
• a Cognitive Impairment; or
• a Complex, Yet Stable Medical Condition; and You incur covered expenses."
The business person at the facility can look at your policy and see if they qualify. When you file claim, they will send someone to the facility to evaluate it and her care plan. If your policy requires a certain number of ADL assistance, make sure that is documented in her care plan. also they did a cognitive evaluation for themselves, did not use her doctors or facility one. It really annoyed my mom, that lady was there talking to her for a couple hours.
The way my mom's facility and her LTC works is that they auto debit her fees from her bank account, and they send an itemized bill to the LTC insurance, the LTC insurance then pays the claim by auto depositing money in my moms account. My mom's policy had a 90 day period that she paid all of it on her own.
Ssomething to consider with Covid. If you take her out for either hospitalized or just to your house, even if you still pay rent, check her policy, because you could restart another 90 day exclusion period if she stays gone too long, depends on policy,