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:
With proper DPOA allowing for any & all financials, house can be sold. But whether or not to do this - both for time & $ involved - to me very much depends on just what RM end amt is and property value.
RMs aren’t really designed to be repaid by owner, their more abt having property be acquired by RM or a subsidiary company to sell it. I’d suggest you clearly find out how much overall $ RM truly is as a first step. There’s 2 types: full amount loaned and a line of credit loan. Loans are usually 45-55% of property value. Both types can actually be on a draw but LOC type is lower interest and only includes actual draw done for tally of $ repayment. HOWEVER Both types will have all sorts of fees, interest, whatever’s atop $ loaned; AND can be quite a lot of $.
Some have insurance bundled into loan. Scenario is elder owns home outright for decades and has old low premium homeowners policy likely way underinsured for 2020 build costs. But as it’s a spanking new mortgage, it needs new insurance coverage. If property is in an area where NFIP/flood, windstorm or earthquake insurance is required for mortgages, then those too will be needed. Hazard insurance can be super pricey. RM is only too happy to help that happen and it’s usually worked as an aside into the overall borrow. Please please find out just what the full payoff amount is and if RM agreement allows for mom to sell it independently before you start to talk with a Realtor. Please find out $$$ amount before y’all put real $ into the now empty property.
RMs requires owner to pay property taxes as well. See if mom is current in these. Tax assessor delinquency has pretty nasty late fees & interest.
As mom has moved out, it is no longer owner occupied. The StateFarms & Allstate’s require owner occupied to have policy in force & do renewals. Property will need some sort of vacant dwelling policy. My experience is vacant dwelling is speciality underwriting by independent agent and limited to really being a fire policy. Not cheap. May need a minimum assessed value to get written too.
if mom has Legally moved out, she is now out of compliance for the terms of her RM. RMs allow for the owner to take trips, go on long long vacations, be away for a few months. But if she has changed her legal address to the NH (like she applied for Medicaid or filed LTC insurance and shows her address as the NH on application), she’s out of compliance. RMs can do a call-in on the loan requiring repayment in full within 120/90 days OR if heirs/ family want the home they need to have funding for paying off RM at 90% within 120/90 days. If they are HUD backed RMs these rules are in place.
Remember selling a home has cost$. If home going on the market, you have to keep yard up, utilities on, spiff up or clean out the interiors, coverage for having folks do walk thru’s, perhaps get repairs done. Whose going to pay these costs & spend time to do whatever’s?? You can look at her old bills or ask around to find out what these costs might be for what the DOM (days on market) is for her area.
If mom has $$$$ for property costs plus private pay for her care, that’s one thing. But if she’s applying to Medicaid, she will realistically have zero $ for property costs due to Medicaids copay. So it’s on family to pay till property sold and the RM fully repaid and if any $ left that $ is hers. She cannot easily repaid you all if you front property costs as that looks like gifting and not allowed by Medicaid. Imo & experience, unless she has a solid 200k, it’s likely she just might outlive her $ and need to apply for Medicaid as average LTC stay is 2.5 years. You don’t want gifting becoming an issue in the future.
Because of all this, sometimes it’s flat just easier to let the RM assume the property and they deal with selling it. If it sells for more than RM tally, mom gets the $.
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.
RMs aren’t really designed to be repaid by owner, their more abt having property be acquired by RM or a subsidiary company to sell it.
I’d suggest you clearly find out how much overall $ RM truly is as a first step. There’s 2 types: full amount loaned and a line of credit loan. Loans are usually 45-55% of property value. Both types can actually be on a draw but LOC type is lower interest and only includes actual draw done for tally of $ repayment. HOWEVER Both types will have all sorts of fees, interest, whatever’s atop $ loaned; AND can be quite a lot of $.
Some have insurance bundled into loan. Scenario is elder owns home outright for decades and has old low premium homeowners policy likely way underinsured for 2020 build costs. But as it’s a spanking new mortgage, it needs new insurance coverage. If property is in an area where NFIP/flood, windstorm or earthquake insurance is required for mortgages, then those too will be needed. Hazard insurance can be super pricey. RM is only too happy to help that happen and it’s usually worked as an aside into the overall borrow. Please please find out just what the full payoff amount is and if RM agreement allows for mom to sell it independently before you start to talk with a Realtor. Please find out $$$ amount before y’all put real $ into the now empty property.
RMs requires owner to pay property taxes as well. See if mom is current in these. Tax assessor delinquency has pretty nasty late fees & interest.
As mom has moved out, it is no longer owner occupied. The StateFarms & Allstate’s require owner occupied to have policy in force & do renewals. Property will need some sort of vacant dwelling policy. My experience is vacant dwelling is speciality underwriting by independent agent and limited to really being a fire policy. Not cheap. May need a minimum assessed value to get written too.
if mom has Legally moved out, she is now out of compliance for the terms of her RM. RMs allow for the owner to take trips, go on long long vacations, be away for a few months. But if she has changed her legal address to the NH (like she applied for Medicaid or filed LTC insurance and shows her address as the NH on application), she’s out of compliance. RMs can do a call-in on the loan requiring repayment in full within 120/90 days OR if heirs/ family want the home they need to have funding for paying off RM at 90% within 120/90 days. If they are HUD backed RMs these rules are in place.
Remember selling a home has cost$. If home going on the market, you have to keep yard up, utilities on, spiff up or clean out the interiors, coverage for having folks do walk thru’s, perhaps get repairs done.
Whose going to pay these costs & spend time to do whatever’s??
You can look at her old bills or ask around to find out what these costs might be for what the DOM (days on market) is for her area.
If mom has $$$$ for property costs plus private pay for her care, that’s one thing. But if she’s applying to Medicaid, she will realistically have zero $ for property costs due to Medicaids copay. So it’s on family to pay till property sold and the RM fully repaid and if any $ left that $ is hers. She cannot easily repaid you all if you front property costs as that looks like gifting and not allowed by Medicaid. Imo & experience, unless she has a solid 200k, it’s likely she just might outlive her $ and need to apply for Medicaid as average LTC stay is 2.5 years. You don’t want gifting becoming an issue in the future.
Because of all this, sometimes it’s flat just easier to let the RM assume the property and they deal with selling it. If it sells for more than RM tally, mom gets the $.