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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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I have been reading alot about Long Term Care Insurance in regards to paying for assistance living, etc. Are there anyone out there who has Long Term Care Insurance they can tell me about? Is it worth paying for Long Term Care Insurance?
Both my parents had it. I suspose a lot depends on how you set it up.
My parents had 24 weeks of self pay before the insurance kicked in. Like a deductible. Then they had one payout rate for in-home care, another for AL and yet another for NH.
The in-home care was what they both utilized the most by far and the daily reimbursement rate was $30 a day - which came to a little over one hours care, when my dad was receiving 8 hours a day and then 18 hours towards the end. So the insurance was a drop in the old bucket.
My mother utilized home care for about three years and NH care for one year. The NH reimbursement rate was $90 a day - so better. Between moms insurance and her pension almost the total cost of her NH rate was covered, although we had to pay for incidentals and we continued a private caregiver for 6 hours once a week. This was out of pocket.
When everything was said and done - neither parent got back what they paid into the insurance. My mom came pretty close.
The problem in my mind was how they set the insurance up. The way they set it up made for lower yearly premium- which I can’t recall for sure but I think it was around $1,400 a year.
However, for the number of years they paid for LTC insurance- the numbers just didn’t pan out in the end - and I have to wonder if they would have been better off making some smart investments with that money.
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 don't have any info or experience
but if you use the search box in the upper right hand corner. put in ...
long term care
there are a lot of q & a and also some articles with q & a's
My parents had 24 weeks of self pay before the insurance kicked in. Like a deductible. Then they had one payout rate for in-home care, another for AL and yet another for NH.
The in-home care was what they both utilized the most by far and the daily reimbursement rate was $30 a day - which came to a little over one hours care, when my dad was receiving 8 hours a day and then 18 hours towards the end. So the insurance was a drop in the old bucket.
My mother utilized home care for about three years and NH care for one year. The NH reimbursement rate was $90 a day - so better. Between moms insurance and her pension almost the total cost of her NH rate was covered, although we had to pay for incidentals and we continued a private caregiver for 6 hours once a week. This was out of pocket.
When everything was said and done - neither parent got back what they paid into the insurance. My mom came pretty close.
The problem in my mind was how they set the insurance up. The way they set it up made for lower yearly premium- which I can’t recall for sure but I think it was around $1,400 a year.
However, for the number of years they paid for LTC insurance- the numbers just didn’t pan out in the end - and I have to wonder if they would have been better off making some smart investments with that money.