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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
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My husband was a blue collar worker. Me, I wanted to raise my kids till they were school age. I have had full and part-time jobs just to keep my foot in the door. My jobs were the xtra, we lived on his salary. My husband took out bonds. Which some we didn't cash in till over 30 years old and invested that money. Now retired, not adding to that investment but not touching it either. If I had worked most of our married life, I don't think we would have ever saved enough to be in an AL or MC for an extended time.
And I agree, we save for a rainy day and that rainy day is paying for our care. People need to get out of that mindset that they need to leave something for our kids. And kids, feeling that they should inherit.
The woman in the article does not have to keep her husband in MC. Seems he is a two person assist. He is ready for more care than a MC has. I would wonder if this woman is aware that she can have her assets split. That husbands split goes to his care. Then Medicaid is applied for. A lot of states, for AL and MC, allow the 2 yr at least private pay and then apply for Medicaid.
This article is not telling the whole story. There are options out there.
No amount of saving for the average person is going to fund memory care or assisted living as describes in this article. You would have to have millions of dollars.
Better to just cut off all medical procedures for anyone with alzheimers or dementia and let nature take its course.
Getting old is the cruelest joke on humanity by god, the universe or whatever you want to call it.
"It is disturbing that the only option is to completely spend down and impoverish yourself,” said Pearson, who is now executive director of the Peterson Center on Healthcare.
I don't understand why it's not considered "doable" to spend your own funds on your care as you grow old.
casole, thanks for linking the Washington Post article "Senior care is crushingly expensive. Boomers aren’t ready."
I would be curious to know if the early Boomers were more ready than the later Boomers. Boomers were born 1946-1964. I know we [1946] are ready as my parents were the children of the Great Depression, thus saved big time for that "rainy day" from which we learned.
I realize not everyone today can save like we could way back when. New technology is adding a lot of expense to every day life.
This can be downright scary what the future might hold. Will Medicaid even be a thing with such rising prices of aging care?
I've not read the article but anyone who wasn't aware there is already a crisis in LTC and that it is only going to get worse hasn't been paying attention. I've long joked that since I'm at the tail end of the baby boom generation by the time I need it the system will either be fantastic or broken beyond repair (although it's not a very funny joke😔)
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.
And I agree, we save for a rainy day and that rainy day is paying for our care. People need to get out of that mindset that they need to leave something for our kids. And kids, feeling that they should inherit.
The woman in the article does not have to keep her husband in MC. Seems he is a two person assist. He is ready for more care than a MC has. I would wonder if this woman is aware that she can have her assets split. That husbands split goes to his care. Then Medicaid is applied for. A lot of states, for AL and MC, allow the 2 yr at least private pay and then apply for Medicaid.
This article is not telling the whole story. There are options out there.
Better to just cut off all medical procedures for anyone with alzheimers or dementia and let nature take its course.
Getting old is the cruelest joke on humanity by god, the universe or whatever you want to call it.
I don't understand why it's not considered "doable" to spend your own funds on your care as you grow old.
It's why my parents saved . It's why I saved.
I would be curious to know if the early Boomers were more ready than the later Boomers. Boomers were born 1946-1964. I know we [1946] are ready as my parents were the children of the Great Depression, thus saved big time for that "rainy day" from which we learned.
I realize not everyone today can save like we could way back when. New technology is adding a lot of expense to every day life.
This can be downright scary what the future might hold. Will Medicaid even be a thing with such rising prices of aging care?