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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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If you want to leave a little something extra to your loved ones or cover the costs of a burial, consider Life Insurance. Some insurance companies do sell small policies and even seniors with some health issues can apply.
Hey this post is pretty much in contrast to my experience i had. AS far as the insurance of senior people are concerned , i have always been furious about this issue at almost 20 websites relating to insurance facilities. Most recently i have found a website which deals with cheap term life insurance for seniors. This site looks so promising to me. Thankyou.
Dave, you know and I know that this is pie in the sky. Mental incapacity, cancer and a host of other conditions preclude insurability. You must have worked for ELNY.
If you have the money to purchase a single pay life insurance policy, you have other options that should be pursued. If you are wanting only a burial policy, and have enough to bury you at the time, why get the insurance? Invest it. Life insurance is almost never a good investment when you are younger, except for term, because the premiums are low enough to be easy to pay, and can often be for periods of 10 -20 years at flat premium rates. As a senior, the return on your money is so low, unless you die after only starting to pay for your insurance.
If you have a life insurance policy now, one that is called whole life, it will have two values, a paid-at-death value and a cash value. The cash value is the amount of cash you could get if you turned in your policy for cash, and is a small part of the paid-at-death value. One mistake people make is to just stop paying life insurance premiums (not term life) because they can't afford them. It is much better to turn the policy in for paid-up life insurance, and, if it is a policy that earns dividends that are added to the policy value, can still grow over the years. Talk to someone who knows about these things and that you can trust.
What about those that have reached the age limit and cannot get insurance. I have been setting aside monies in an attempt to cover final expenses however its a slow process and I know since I went to get her from another state all responsibility lies on me. I am considering the cheapest way out at the moment.
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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4 Life Insurance Options for Seniors
If you have a life insurance policy now, one that is called whole life, it will have two values, a paid-at-death value and a cash value. The cash value is the amount of cash you could get if you turned in your policy for cash, and is a small part of the paid-at-death value. One mistake people make is to just stop paying life insurance premiums (not term life) because they can't afford them. It is much better to turn the policy in for paid-up life insurance, and, if it is a policy that earns dividends that are added to the policy value, can still grow over the years. Talk to someone who knows about these things and that you can trust.