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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.
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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:
If you're named as proxy under his DPOA, you can contact his mortgagee (lender) directly and ask about a restructured loan. I would inventory his current outstanding indebtedness, including medical and all household expenses, offset by his income so that you can present a full financial picture.
Some mortgage lenders have local offices that can get you started and connected to the larger lending centers. A lot depends on his lender. If it's Bank of America, be prepared to encounter resistance every step of the way.
I'm wondering though what kind of medical insurance he has. Does he have Medicare with any Medigap or Supplemental policies? Has he been in a facility on a long term basis and the Medicare coverage has run out? Have you considered applying for Medicaid?
I think it would also be appropriate to speak with his medical creditors to see if you can work out a bill payment plan spread across several months. In my limited experience, most are willing.
If you can pay a portion of each bill on a monthly basis rather than all the medical bills, then you won't have to worry so much about the mortgage going into default. A mortgage may ask why it should accept a lower payment amount when it's a priority creditor while hospital bills are taking priority, and that's a legitimate question.
Talk to an officer at the bank that holds his mortgage. For example, if there are only 10 years left on a mortgage, they may refinance for 30 years if his credit score is good.
yogirl636, any chance your Dad would consider selling his home and downsizing into something more affordable? Maybe Assisted Living would work out depending on your Dad's health... no more worry about property taxes, utilities, homeowner's insurance, no worry if the roof needs replacing or time for a new furnace, no worry about who will shovel the front walk/driveway or mow the lawn.
With Assisted Living, he would be among his peers thus have a lot in common to talk about, have his meals in a common dining room, and enjoy the activities offered by the facility.
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.
Some mortgage lenders have local offices that can get you started and connected to the larger lending centers. A lot depends on his lender. If it's Bank of America, be prepared to encounter resistance every step of the way.
I'm wondering though what kind of medical insurance he has. Does he have Medicare with any Medigap or Supplemental policies? Has he been in a facility on a long term basis and the Medicare coverage has run out? Have you considered applying for Medicaid?
I think it would also be appropriate to speak with his medical creditors to see if you can work out a bill payment plan spread across several months. In my limited experience, most are willing.
If you can pay a portion of each bill on a monthly basis rather than all the medical bills, then you won't have to worry so much about the mortgage going into default. A mortgage may ask why it should accept a lower payment amount when it's a priority creditor while hospital bills are taking priority, and that's a legitimate question.
But be proactive, especially with the mortgage.
Good luck, and let us know how this works out.
With Assisted Living, he would be among his peers thus have a lot in common to talk about, have his meals in a common dining room, and enjoy the activities offered by the facility.