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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.
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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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Interesting article. Nobody should be taking advantage of our veterans like this.
Aid & Attendance benefit can provide funds to afford assisted living care. The A&A Pension can provide up to $1,788 per month to a veteran, $1,149 per month to a surviving spouse, or $2,120 per month to a couple. A Veteran filing with a Sick Spouse is eligible for up to $1,406 per month.
Some of what has been presented in this article is true. Receiving poor advice regarding purchasing an annuity to qualify for benefits does happen. Unfortunately, the promotion of applying for VA benefits is a common marketing tool that is used by more than those mentioned here. If you look at the long term care industry in general, you will see home care providers and care communities offering assistance with applying for VA or determining if they qualify in order to pay for their services. This can result in some of the same issues presented in the article. Putting restrictions on marketing "VA benefit assistance" would probably help with this area.
For the most part the issue is when someone looks at only one piece of the puzzle. When planning for care whether it be short term while still in the home or long term as needs and level of care changes, you have to create a plan that includes a complete financial, legal and care plan. A cohesive plan will address the person's concerns and goals, include every detail of their income and assets and the cost of care that is projected. The plan will include any public benefits that a person may be eligible for currently or in the future and ensure that one does not negatively effect the other.
A well thought out plan is quite complicated and will take more than a seminar to complete. A team approach of financial advisors, accountants and Elder Law Attorneys, the client and their family(if appropriate) should all be a part of the planning team. Each person has their specialty and an established professional will not try to give advice on something they do no specialize in.
Great article about another type of senior financial exploitation. My father had set up a Trust that held the bulk of my parents' assets for many years. After his death, my sister talked our mom into dissolving the trust and putting the funds elsewhere. So the two of them visited my mom's credit union and there she was suckered into buying two annuities at the age of 81 - a 7 yr and a 10 yr annuity. She is now 86 and still has 2 years left to maturity on one annuity, 5 years on the other. If she passes away prior to the maturity dates, she will have lost a sizeable chunk of her investment, although it will only affect her beneficiaries. It hadn't yet occurred to me, until I read this article, that the annuities may have been drafted in my sister's name as a way to help my mom qualify for medicare benefits. I had concerns that my sister had been listed as the sole beneficiary on the annuities, but they could actually have been drafted in her name. My mother just was so impressed by this "very nice financial advisor" at her credit union. She and my sister did this without any of the rest of the siblings knowledge. We found out a month later, when it was too late to change anything, and one brother is well aware of the pitfalls of annuities, since he used to sell them. Our sister is like a vulture and has been scheming for years to gain advantage in benefiting from our parents' estate. My sister is the only one of us that has access to our mom's financial documents, and our mom is totally clueless about financial matters. Any suggestions on what I can do at this point to find out what has been done? I doubt the credit union advisor would talk to me. I don't want to appear to be prying into things, but at the same time I feel my sister has had way too much opportunity to exploit our mom.
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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Beware of Pension Poachers
Aid & Attendance benefit can provide funds to afford assisted living care. The A&A Pension can provide up to $1,788 per month to a veteran, $1,149 per month to a surviving spouse, or $2,120 per month to a couple. A Veteran filing with a Sick Spouse is eligible for up to $1,406 per month.
For the most part the issue is when someone looks at only one piece of the puzzle. When planning for care whether it be short term while still in the home or long term as needs and level of care changes, you have to create a plan that includes a complete financial, legal and care plan. A cohesive plan will address the person's concerns and goals, include every detail of their income and assets and the cost of care that is projected. The plan will include any public benefits that a person may be eligible for currently or in the future and ensure that one does not negatively effect the other.
A well thought out plan is quite complicated and will take more than a seminar to complete. A team approach of financial advisors, accountants and Elder Law Attorneys, the client and their family(if appropriate) should all be a part of the planning team. Each person has their specialty and an established professional will not try to give advice on something they do no specialize in.