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.
There's no way they need a middle man to scam them out of $7k to do paperwork.
Also, the policy should include information on the requirements for how to qualify for benefits. Generally, one must require assistance with 2 out of 6 activities of daily living - bathing, dressing, eating, transferring, toiletting, or assistance with incontinence. This will need to be verified by their doctor. The length of the waiting period (0, 30, 60, 90, 180 days or longer) during which Mom and Dad would pay for care will need to be met. Ask Mom and Dad to let you read the policy, and look at the benefits page - it will tell you the length of the time period (1, 2, 3, 4, 5, 6, 10, or longer) used to calculate the total lifetime benefit available. Example: $245/day for 3 years = $268,275 lifetime benefit. If they purchased inflation protection the initial daily benefit will have increased each year they have held the policy, so the lifetime benefit would also have increased. The insurance agent or the insurance company's representative can explain all of this to them, or to you (with Mom and Dad's permission).
I might also research any class action suits against this company or the filing of any complaints with the insurance commissioner in your area. This sounds not right to me.
I have seen some dreadful things with LTC. The worst was a policy that denied care compensation in facility unless there was 24/7 RN present; in all truth that just doesn't happen.
I sure do wish you luck.
Unfortunately mother is again throwing up roadblocks about having anyone in her house. So I think we may be stuck again with disaster plan.
See All Answers