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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.
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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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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.
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The insurance company is questioning this. Has anybody had this experience? Is this covered? Mom doesn't like the helpers that the agency sends (she needs 24/7 care).
I read your profile where your Mom is 104 years old... amazing... imagine all the fantastic inventions she has witnessed throughout her life :)
Back to the caregiving issue... let Mom know that if she hires someone out of an Agency she would need to provide an employment contract stating how many hours the caregiver works, what is that caregiver's salary, what days does the caregiver have off, and who will be paying the payroll taxes.
Another thing, it sounds like your Mom is living in her own home, if that is the case, then your Mom would need to get a "workman's comp" rider on her homeowner's insurance to help cover in case the caregiver gets injured on the job.
The above items is probably why the long-term-care insurance is asking questions. Someone outside an Agency might not be licensed, bonded, and insured.
Have Mom ask the Agency to send over some more people. It usually takes awhile to find someone who is a good match. And with 24 hour care, there is usually 3-shifts. So it won't be easy to find perfect matches in all 3 shifts. It is always a learning curve.
So much depends on your mothers specific policy and its terms and requirements. But I'd say it's probably a given that for any caregiver to be paid either directly by the company or via reimbursement to your mom - the caregiver needs to be licensed/bonded/insured. The company wants to be sure a qualified caregiver is being used and that they aren't paying a relative or friend. In addition - there could be requirements to how and where the care is provided beyond the who. For example - my moms policy pays one rate for in-home care and another rate for a licensed group home and still another rate for a licensed facility. The first time I went through all this with my dad I called and spoke to a LTC specialist and had them explain the specifics of my dads policy. When the time rolled around for my mothers policy to be activated I just needed to re-read the policy to re-familiarize myself with the terms. So, that's my advice - read the policy over carefully and then call and ask to speak with someone in LTC with any questions.
Long term care policies, some of them, will pay a relative, a child to provide the care. But, as FF said, their concern will be that this person is qualified, licensed, bonded, insured, and that a care agreement is setup to pay taxes, workmen's comp, unemployment, medicare, and deduct income taxes and employee contributions to benefits. She becomes an employer and will need to setup state and federal tax id numbers, and have a legal care agreement, prepared by an attorney, with each caregiver.
Better read very carefully the terms of the Long Term Care insurance policy. I suspect there's a provision that only caregivers from licensed agencies will be paid through the LTC insurance.
I'm not that familiar with the LTC policies, but I'm guessing that the issue of a private caregiver vs. an agency caregiver has to do with liability, since the insurance carrier will in the long run be paying for the services, and given that, has the right to establish some terms and requirements.
Also the LTC policy may require that the caregiver have a specific professional education or medical certification for reinbursement to be paid. Often individual caregivers aren't a licensed & registered LVN, RN, CNA, etc. which policies (especially older ones) require, so no payment can be made.
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.
Back to the caregiving issue... let Mom know that if she hires someone out of an Agency she would need to provide an employment contract stating how many hours the caregiver works, what is that caregiver's salary, what days does the caregiver have off, and who will be paying the payroll taxes.
Another thing, it sounds like your Mom is living in her own home, if that is the case, then your Mom would need to get a "workman's comp" rider on her homeowner's insurance to help cover in case the caregiver gets injured on the job.
The above items is probably why the long-term-care insurance is asking questions. Someone outside an Agency might not be licensed, bonded, and insured.
Have Mom ask the Agency to send over some more people. It usually takes awhile to find someone who is a good match. And with 24 hour care, there is usually 3-shifts. So it won't be easy to find perfect matches in all 3 shifts. It is always a learning curve.
I'm not that familiar with the LTC policies, but I'm guessing that the issue of a private caregiver vs. an agency caregiver has to do with liability, since the insurance carrier will in the long run be paying for the services, and given that, has the right to establish some terms and requirements.