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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.
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I turn 65 this month. I live in AZ.Do I have to apply for Medicare? Do I have to apply for my Social Security monthly income at this time even though I'm not at full retirement age? Do I have to pay any benefits back?
You don't have to apply for your Social Security now. You probably should get Medicare as it pays first, before Medicaid. Sorry, don't know what the other insurance letters refer to. However, the Medicare has to be paid for to get Part B, the doctor part, as opposed to Part A, the hospital part. Depending on your state Medicaid rules and your income, it is possible that the state Medicaid will pay your Medicare premium. The idea is that it's cheaper for the state to pay that monthly premium costs and thus have Medicare pick up whatever it covers than to not pay the Medicare premium and have to cover all your costs. Call Social Security and ask them about the interaction between Medicare and Medicaid. Also tell them about your other insurance and ask how that cones into play. Ask them to send you this year's Medicate book so you can read all about it.
So I'm guessing that "cost containment" is your state's version of the affordable care act or your states version of whatever is offered to those who are low income or disabled? ACA is designed for those who need health insurance and cannot get the coverage they need either on their own or through employer or other insurance is too limiting. Now once you qualify for Medicare & become enrolled then you can forget about the cost-containment one as Medicare becomes your primary health insurer. (Medicaid would be your secondary). You have been paying into Medicare through your FICA all these years and it is a benefit you are fully entitled too. You should apply for Medicare when you are 3 months before reaching 65. If you wait to apply for Medicare after your turn 65, they can charge higher premiums too and coverage can be delayed. Medicare application is super time-sensitive, just remember do it 3 months before turning 65 to apply. If your current coverage is tied into your job and you can continue stay on it & it works for you, you can keep using it and not use Medicare too. So you are enrolled in Medicare but not using it. BTW you likely will be flooded with all sort of Medicare supplement plans too, most of these do NOT at all work in tandem with those on Medicaid. Yep, All this can be quite confusing too. There may be a workshop done by AARP or your local Agency on Aging that goes into what's what on all this. Google or call about to see what's out there.
For SS, full retirement age is 66. What that means is that whatever you can draw from SS is benchmarked on what your work history income is or will be to that point in time. YOU DO NOT HAVE TO DRAW SS @ 66. In general, every year you wait to start SS you gain 6 - 8 % in monthly income to a maximum amount at age 70. 6 - 8% is a lot of $$ over time…..
So if you wait till age 70, you have increased your SS check by a maximum of 32%. That's a huge amount, just think what your life today would be like if you got paid 32% more each day. Imagine that you live to age 85, so having 32% more income each month will be just so important. Personally I would wait as long as you can to make the age 70 benchmark if you can afford to do so & your health history is such that it is reasonable to assume you will live to your 80's or 90's.
Your probability of making 70 and not needing the SS $ to me is the key to making the decision as to when to apply for SS. You know you have been paying into SS since the first time you every worked and had FICA taken out. So look into your situation - income, expenses, your health, your job - to see if you can reasonably work another couple of years & reasonably be OK to pay on everything another couple of years without the SS income and reasonably live to 78 or beyond. If everything says yes, then waiting till age 68, 69 or 70 and getting up to 32% more in retirement makes very good sense.
SSA puts out a 2 page document called "When To Start Receiving Retirement Benefits" SSA Publication # 05-10147 that is pretty good on how SS can work.
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.
So I'm guessing that "cost containment" is your state's version of the affordable care act or your states version of whatever is offered to those who are low income or disabled? ACA is designed for those who need health insurance and cannot get the coverage they need either on their own or through employer or other insurance is too limiting. Now once you qualify for Medicare & become enrolled then you can forget about the cost-containment one as Medicare becomes your primary health insurer. (Medicaid would be your secondary). You have been paying into Medicare through your FICA all these years and it is a benefit you are fully entitled too. You should apply for Medicare when you are 3 months before reaching 65. If you wait to apply for Medicare after your turn 65, they can charge higher premiums too and coverage can be delayed. Medicare application is super time-sensitive, just remember do it 3 months before turning 65 to apply. If your current coverage is tied into your job and you can continue stay on it & it works for you, you can keep using it and not use Medicare too. So you are enrolled in Medicare but not using it. BTW you likely will be flooded with all sort of Medicare supplement plans too, most of these do NOT at all work in tandem with those on Medicaid. Yep, All this can be quite confusing too. There may be a workshop done by AARP or your local Agency on Aging that goes into what's what on all this. Google or call about to see what's out there.
For SS, full retirement age is 66. What that means is that whatever you can draw from SS is benchmarked on what your work history income is or will be to that point in time. YOU DO NOT HAVE TO DRAW SS @ 66. In general, every year you wait to start SS you gain 6 - 8 % in monthly income to a maximum amount at age 70. 6 - 8% is a lot of $$ over time…..
So if you wait till age 70, you have increased your SS check by a maximum of 32%. That's a huge amount, just think what your life today would be like if you got paid 32% more each day. Imagine that you live to age 85, so having 32% more income each month will be just so important. Personally I would wait as long as you can to make the age 70 benchmark if you can afford to do so & your health history is such that it is reasonable to assume you will live to your 80's or 90's.
Your probability of making 70 and not needing the SS $ to me is the key to making the decision as to when to apply for SS. You know you have been paying into SS since the first time you every worked and had FICA taken out. So look into your situation - income, expenses, your health, your job - to see if you can reasonably work another couple of years & reasonably be OK to pay on everything another couple of years without the SS income and reasonably live to 78 or beyond. If everything says yes, then waiting till age 68, 69 or 70 and getting up to 32% more in retirement makes very good sense.
SSA puts out a 2 page document called "When To Start Receiving Retirement Benefits" SSA Publication # 05-10147 that is pretty good on how SS can work.