Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
Many of the long term care policies have been discontinued by the insurance companies.
Most of them that are left really are a bad buy. You don't get much benefit in the first 10-15 years, and after that the lifetime cap is too meager.
, My parents bought a very generous plan when they were about your age. Cost them about $600 per month for both.... For the benefit it actually paid out they would have been miles ahead to put that same money away and save it. After 25 years of paying into that...the max lifetime cap was $215,000. They would have had far more than that even with low interest on their savings.
Of course, neither one of them lived long enough to use more than $30,000 of benefit!
Also....the benefit qualification was near impossible to meet....they had to have All 5 qualifications.... cannot walk, cannot dress themself, cannot eat (not cook.but actually had to be spoon fed), cannot bath themself, cannot toilet by themselves.
I found the insurance company was constantly looking for any reason to disqualify them. It was a constant fight to get benefits paid. And every 3 months we had to go through the whole thing again, meanwhile the benefit payments would stop. Massive hassle
My mom had long term care insurance. She developed dementia and no longer making wise decisions. Then stopped paying her premiums so the policy lapsed and not reinstated. She paid in for 10 years or so. Money lost, no coverage. Just make sure you set it up so you do not see this money at all so payments continue to be made.
KK: "Many of the long term care policies have been discontinued by the insurance companies." LTCS: Once a long-term care policy is issued, the insurance company cannot cancel it, unless the premium has not been paid. 13 different companies currently sell new long-term care insurance policies.
KK: "You don't get much benefit in the first 10-15 years, and after that the lifetime cap is too meager." LTCS: With long-term care insurance, the full benefits are available from the very first premium payment. It doesn't sound like the policy they had was long-term care insurance. It sounds more like an annuity.
KK: "My parents bought a very generous plan when they were about your age. Cost them about $600 per month for both.... For the benefit it actually paid out they would have been miles ahead to put that same money away and save it. After 25 years of paying into that...the max lifetime cap was $215,000. They would have had far more than that even with low interest on their savings." LTCS: Today a healthy, 70-year old couple, can share $200,000 of benefits for $146 per month per spouse. If the policyholder lives in one of the states that has a long-term care partnership program, their assets can be protected even if the policy runs out of benefits.
KK: “Also....the benefit qualification was near impossible to meet....they had to have All 5 qualifications.... cannot walk, cannot dress themself, cannot eat (not cook.but actually had to be spoon fed), cannot bath themself, cannot toilet by themselves.” LTCS: Long-term care insurance policies that meet the federal guidelines only require assistance with any 2 of the 6 activities of daily living. If these people owned a policy that required needing assistance with 5, then it was definitely not a long-term care insurance policy they owned.
KK: “I found the insurance company was constantly looking for any reason to disqualify them. It was a constant fight to get benefits paid. And every 3 months we had to go through the whole thing again, meanwhile the benefit payments would stop. Massive hassle” LTCS: This is why it’s important to buy long-term care insurance policies that meet the federal guidelines.
LTC-- Thanks for that info. My mother has a great LTC policy, which she will never use. Daddy wanted her put in an ALF when she became a burden--well, we're well past that and my POA brother will never allow mother to leave his home. He intends to care for her until death. While that's admirable, he's counting on family help and I am the only one who can offer any--the other 3 sibs are totally MIA and do not want to be involved. Mother is still walking and caring for herself pretty well, but she is bored and lonesome.
We can't get LTC on hubby, he is a liver transplant recipient, but we can on me. I am going to look into it. I am sure I will have to take care of my hubby in his old age, but he would not do the same for me.
I used to do assessments for long term care insurers and i knew a lot of the applicants would not be accepted. One woman I assessed had no way of qualifying. She told me she was still a licensed RN and on call for per diem work at the local hospital but they did not call her anymore. The company refused her and her son applied somewhere else so once again I got the case. The son called me and told me he had requested another nurse because last time I had 'failed" Mom. One hospice patient tried to use his benefit but died before his help was approved. As others have said the premiums are prohibitively expensive unless you start in your early 59s then you pay so much in premiums that you would be better off saving the money and investing wisely. Nothing I would consider even if they would have me now.
I took out a long-term care insurance policy about 15 years ago. Care costs have gone up so much that the benefits are pitiful compared to today's costs. And premiums increased 80% last year.
I don't blame insurance companies. The skyrocketing costs must make this a very difficult coverage to offer.
I'm not giving up what I've paid in on all these years, but I no longer think it is going to be sufficient, if I develop something expensive, like dementia.
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.
Most of them that are left really are a bad buy. You don't get much benefit in the first 10-15 years, and after that the lifetime cap is too meager.
,
My parents bought a very generous plan when they were about your age. Cost them about $600 per month for both.... For the benefit it actually paid out they would have been miles ahead to put that same money away and save it. After 25 years of paying into that...the max lifetime cap was $215,000. They would have had far more than that even with low interest on their savings.
Of course, neither one of them lived long enough to use more than $30,000 of benefit!
Also....the benefit qualification was near impossible to meet....they had to have All 5 qualifications.... cannot walk, cannot dress themself, cannot eat (not cook.but actually had to be spoon fed), cannot bath themself, cannot toilet by themselves.
I found the insurance company was constantly looking for any reason to disqualify them. It was a constant fight to get benefits paid. And every 3 months we had to go through the whole thing again, meanwhile the benefit payments would stop. Massive hassle
My mom had long term care insurance. She developed dementia and no longer making wise decisions. Then stopped paying her premiums so the policy lapsed and not reinstated. She paid in for 10 years or so. Money lost, no coverage. Just make sure you set it up so you do not see this money at all so payments continue to be made.
https://www.consumerreports.org/cro/2012/08/long-term-care-insurance/index.htm
LTCS: Once a long-term care policy is issued, the insurance company cannot cancel it, unless the premium has not been paid. 13 different companies currently sell new long-term care insurance policies.
KK: "You don't get much benefit in the first 10-15 years, and after that the lifetime cap is too meager."
LTCS: With long-term care insurance, the full benefits are available from the very first premium payment. It doesn't sound like the policy they had was long-term care insurance. It sounds more like an annuity.
KK: "My parents bought a very generous plan when they were about your age. Cost them about $600 per month for both.... For the benefit it actually paid out they would have been miles ahead to put that same money away and save it. After 25 years of paying into that...the max lifetime cap was $215,000. They would have had far more than that even with low interest on their savings."
LTCS: Today a healthy, 70-year old couple, can share $200,000 of benefits for $146 per month per spouse. If the policyholder lives in one of the states that has a long-term care partnership program, their assets can be protected even if the policy runs out of benefits.
LTCS: Long-term care insurance policies that meet the federal guidelines only require assistance with any 2 of the 6 activities of daily living. If these people owned a policy that required needing assistance with 5, then it was definitely not a long-term care insurance policy they owned.
KK: “I found the insurance company was constantly looking for any reason to disqualify them. It was a constant fight to get benefits paid. And every 3 months we had to go through the whole thing again, meanwhile the benefit payments would stop. Massive hassle”
LTCS: This is why it’s important to buy long-term care insurance policies that meet the federal guidelines.
Thanks for that info. My mother has a great LTC policy, which she will never use. Daddy wanted her put in an ALF when she became a burden--well, we're well past that and my POA brother will never allow mother to leave his home. He intends to care for her until death. While that's admirable, he's counting on family help and I am the only one who can offer any--the other 3 sibs are totally MIA and do not want to be involved. Mother is still walking and caring for herself pretty well, but she is bored and lonesome.
We can't get LTC on hubby, he is a liver transplant recipient, but we can on me. I am going to look into it. I am sure I will have to take care of my hubby in his old age, but he would not do the same for me.
As others have said the premiums are prohibitively expensive unless you start in your early 59s then you pay so much in premiums that you would be better off saving the money and investing wisely. Nothing I would consider even if they would have me now.
I don't blame insurance companies. The skyrocketing costs must make this a very difficult coverage to offer.
I'm not giving up what I've paid in on all these years, but I no longer think it is going to be sufficient, if I develop something expensive, like dementia.
See All Answers