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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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You/r wife may be responsible for the full payment / balance due. Certainly, take the card away and make arrangements to either limit her access to any and all finances or block totally.
Often, a third party can make arrangements to make a deal for you. They are not tax prep people although that work on behalf of the consumer. You will need to do some research to find these people (or someone here may know). (I found at a local church.)
In addition, get documentation from MD that she has dementia. REALLY IMPORTANT TO GET THIS DOCUMENTATION MD documentation will (hopefully) go a long way to get balance reduced or forgiven.
And, then there are pro bono attorneys and/or attorneys specializing in elder care. Call any of them in your area and ask if they would consider helping on a pro bono basis. I found one for my friend - this attorney did a Will for him. I said my friend could pay something although he lived in Sec 8 housing / low income. Attorney didn't charge him anything.
And, then call the Alz Associaton / local or national. This must be a common problem and they may have ideas on how to proceed.
Sounds like you would / could benefit from someone managing your finances. Depending on what is involved, a fiduciary, an attorney, a social worker?
oldandtiredout, welcome to the forum. The only way to stop credit card debt from piling up is to cut your wife's credit card into small pieces and throw it out. Then call the bank, explain the situation, and ask for a new card for yourself with a new credit card and pin number. Then pay off as much as you can of the debt, by cutting back on other unnecessary expenses.
So your wife has funds to use, she can use cash instead. Give her a small allowance. My elderly Dad was happy when I gave him $25, as with his memory going more back to childhood, that was a lot of money.
What do you think you can do about it? It seems a little late now to be addressing this issue. This debt likely will not have a big impact on your life at this point. Go ahead and take care of yourselves and don't worry about it. Either your estate assets will cover the debt, or the rest of us poor schmucks will be paying for it, as the credit card company absorbs the uncollectible debt.
Honestly, credit card debt is not the biggest issue. You should be able to contact an attorney that specializes in elder issues and ask what you need to do to secure your future.
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.
Certainly, take the card away and make arrangements to either limit her access to any and all finances or block totally.
Often, a third party can make arrangements to make a deal for you.
They are not tax prep people although that work on behalf of the consumer.
You will need to do some research to find these people (or someone here may know). (I found at a local church.)
In addition, get documentation from MD that she has dementia.
REALLY IMPORTANT TO GET THIS DOCUMENTATION
MD documentation will (hopefully) go a long way to get balance reduced or forgiven.
And, then there are pro bono attorneys and/or attorneys specializing in elder care. Call any of them in your area and ask if they would consider helping on a pro bono basis. I found one for my friend - this attorney did a Will for him. I said my friend could pay something although he lived in Sec 8 housing / low income. Attorney didn't charge him anything.
And, then call the Alz Associaton / local or national. This must be a common problem and they may have ideas on how to proceed.
Sounds like you would / could benefit from someone managing your finances. Depending on what is involved, a fiduciary, an attorney, a social worker?
Gena / Touch Matters
So your wife has funds to use, she can use cash instead. Give her a small allowance. My elderly Dad was happy when I gave him $25, as with his memory going more back to childhood, that was a lot of money.
It seems a little late now to be addressing this issue. This debt likely will not have a big impact on your life at this point. Go ahead and take care of yourselves and don't worry about it. Either your estate assets will cover the debt, or the rest of us poor schmucks will be paying for it, as the credit card company absorbs the uncollectible debt.