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
[email protected] 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 I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our
Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our
Terms of Use. for information about our privacy practices.
At least here, most of us have some similar situations so in addition to sympathy we can get/give advice. Makes you feel a little better to help others.
I cry everywhere, so crying at the lawyer's or social worker's would just be par for the course for me. It's been a horrible 5 years in my life.
You are verbalizing just what my train of thought has been, so just maybe someone else can see it that way instead of telling me all about protecting myself and getting contracts and such for doing what families SHOULD be doing.
Thank you for confirming that I am not totally off the wall for handling things this way. I will get to that attorney though as soon as we get settled into a "school year" routine and I can think again.
I have a feeling the whole world is shades of gray.
I am her only heir and she does have a will (albeit from the state where she used to livr) and it does name me as beneficiary. Not that she has all that much, but she gets really upset when she thinks about how they could force her to use everything and not be able to help my sons and I at all. We are a family, I just don't get it.
I guess a main concern (if the assumption of the mortgage goes through with her as a co-borrower) would be if they would make us sell the house to use any profit even though my sons and I live in it and I would be an owner too. So far she is in great health so who knows how long a window we are looking at. Also, she has been paying their parochial school tuition as a gift to them since they were in preschool and they are now in high school. How would that be looked at?
Thanks for any advice. I will get to an attorney but, as I said, time is at a premium and we are in survival mode here.
It truly seems as if they want our older folks to be destitute and to make sure they are not able to pass on ANYTHING they worked so hard for all their lives. Are we all better off living for today and the heck with tomorrow, the government will take care of me if I have nothing?
I have come to belive that we are all exactly where God wants us to be and it is all in His plan. I just wish He would let me in on it so I could know that I will come out the other side of this darkness.
God forbid, if she ever has to go into a nursing home, they can go back 5- 7 years, (depending on what State you are in) and get monies back for ASSETS that she owned. In other words, if she owns a home, they can put a lean on it to get money for her care after her departure from this earthly plane. If she is giving you money to live at your place, and you can call it "helping out" if you want to, but think about it, if she was living in her own apartment or house, she would have to be paying to live there as well. You don't have to worry about them coming back to get the money she has been paying to help out, it is actually her responsibility to pay her own way.
I wouldn't add her name to the mortgage, because assets can be taken. But if you are worried about the legal aspect of it, maybe you should write up a lease contract for rent, you don't have to take the money that is on the agreement, but there is a legal document stating she was paying you rent and utilities. But I would talk with her and get your name added to her banking accounts, trust me, if need be, it will make things easier on you if she is unable to go to the bank. I wish you the best and in my opinion, you are a Saint for stepping up and taking Mom in, God bless you and your family.
I thank you for your response, I know I need some legal advice (and to update her will to the state we now live in as opposed to where she was) but finding the time and energy to do it is my biggest obstacle and I am completely overwhelmed at times.