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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.
Share a few details and we will match you to trusted home care in your area:
risenheir, is your sister your Mother's Power of Attorney? I see from your profile that your Mother lives in a Nursing Home, and was wondering if the POA was paying from your Mom's Account for your Mom's monthly rent, which can be very expensive.
If the answers are yes to the above, what you think may be loans could be the cost of the nursing home care. My Mom was paying $12k per month back five years ago.
Your mother does not live on air. Unless your mom has a huge investment portfolio or huge savings to draw from she is most likely to be living on a monthly Social security income of $1,200 & has a modest savings of 30-60K. That’s what the avg American in their later years has; yeah it’s not pretty.
What exactly is her income & existing savings / investments right now?
For you to be accusing Sis of bad actions with moms $ you HAVE TO know at a minimum what moms was like financially past couple of years then deduct what could be viewed as reasonable cost of living for her situation past couple of years. What is the gap? Is it reasonable?
If she is in a facility - IL, AL, MC, NH - all have monthly costs. It’s not unusual for private pay in AL to be 5K a mo and for a NH to be double that 10K or more, like 15K. She’s in a NH right? Could Sissy be paying the bill but routing $ from moms bank account to hers so between moms $ and Sissy’s $ any shortfall is being paid?
If your mom is at all on any type of Medicaid program, like LTC in a facility, or was on a community based program before entering a NH, like had inhome health, mom has to be low income and she/Sissy provided hefty amount of documentation to get eligible. Could be past 5 years of financials. If on Medicaid, mom is basically impoverished AND has no $ left AND likely has a required copay. Medicaid is pretty rigorous as to ferreting out $ & asset transfer, so if moms on Medicaid then Sis did not do any shenanigans with moms $. There would have been a spend down done so mom could be eligible.
if mom did loan Sissy $, she can do that. A parent can loan or gift $ or assets if they want to. But the parents needs to be competent and cognitive to do this and do it themselves. So a POA cannot loan themselves $ from the parents bank account and sign off on the paperwork. If this is what’s happening, you need to get an attorney to do a filing for your to become guardian and get a forensics accounting on moms finances.
Your screen name is “risenheir”, if your post is really about inheritance $, please realize getting old and paying for care is horrendous expensive, there may be no money really left.
More info would be helpful... see questions from Freqflyer. We can't give you any actionable guidance if we don't have accurate answers to basic questions. Thanks.
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 the answers are yes to the above, what you think may be loans could be the cost of the nursing home care. My Mom was paying $12k per month back five years ago.
Unless your mom has a huge investment portfolio or huge savings to draw from she is most likely to be living on a monthly Social security income of $1,200 & has a modest savings of 30-60K. That’s what the avg American in their later years has; yeah it’s not pretty.
What exactly is her income & existing savings / investments right now?
For you to be accusing Sis of bad actions with moms $ you HAVE TO know at a minimum what moms was like financially past couple of years then deduct what could be viewed as reasonable cost of living for her situation past couple of years. What is the gap? Is it reasonable?
If she is in a facility - IL, AL, MC, NH - all have monthly costs. It’s not unusual for private pay in AL to be 5K a mo and for a NH to be double that 10K or more, like 15K. She’s in a NH right? Could Sissy be paying the bill but routing $ from moms bank account to hers so between moms $ and Sissy’s $ any shortfall is being paid?
If your mom is at all on any type of Medicaid program, like LTC in a facility, or was on a community based program before entering a NH, like had inhome health, mom has to be low income and she/Sissy provided hefty amount of documentation to get eligible. Could be past 5 years of financials. If on Medicaid, mom is basically impoverished AND has no $ left AND likely has a required copay. Medicaid is pretty rigorous as to ferreting out $ & asset transfer, so if moms on Medicaid then Sis did not do any shenanigans with moms $. There would have been a spend down done so mom could be eligible.
if mom did loan Sissy $, she can do that. A parent can loan or gift $ or assets if they want to. But the parents needs to be competent and cognitive to do this and do it themselves. So a POA cannot loan themselves $ from the parents bank account and sign off on the paperwork. If this is what’s happening, you need to get an attorney to do a filing for your to become guardian and get a forensics accounting on moms finances.
Your screen name is “risenheir”, if your post is really about inheritance $, please realize getting old and paying for care is horrendous expensive, there may be no money really left.