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.
She advised that in Michigan, workers' comp coverage cannot be issued as a rider or as any kind of individual coverage. I would have to purchase a commercial comp policy, just as if I was running a business. At that time (a few years ago), premium rates were $750 to $1000 annually, and increased yearly.
I asked some friends who ran their own businesses and both answered with a resounding NO! Don't get into that kind of situation! If the caregiver is injured and files for comp, it could be an ongoing drain on resources and draw down on funds reserved for short or long term care.
So we abandoned that idea.
There's a difference between someone injured while visiting (invitee) and an employee injured while working. That's apparently the crux of the comp issue.
If you are being paid as an independent contractor, your FIL will need to issue you a 1099 if you are paid more than $600 in a calendar year. He/you will need to file the correct paperwork with the IRS before the due date in 2018 for total of payments made in 2017. You can get the correct forms from most office supply stores with instructions and due dates. You can read about the reporting requirements on the IRS website irs.gov. If you try calling the IRS this time of year, you may be on hold for a loooonng time. You will need to include the caregiver income with your personal taxes when you file next year - offset with the appropriate expenses. It can get complex quickly especially if you have state income taxes that are assessed. This is why many people use agencies - they have office staff to track reporting, carry worker's comp insurance if an injury occurs, and coverage if someone gets sick.
Most homeowners' insurance also requires that you carry a workman's compensation rider if you have paid caregivers in the home in case of an injury to the person providing care. They can decline to provide coverage if you slip and fall and such a rider is not in place.
The IRS used to, and may still, answer questions by e-mail. I've found this is the best way to get answers to a question b/c it's in writing, in case the issue is ever challenged by someone else in the IRS.