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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.
Share a few details and we will match you to trusted home care in your area:
1. Banks might not easily grant a loan to an 80 year old woman unless she had significant collateral.
2. A bank might grant a loan to her and you jointly, but one of you would have to have collateral. And 3. below would have to be in place.
3. If the deed is titled in her name only, that would be a concern for a bank, especially if you co-signed a loan but had no vested interest of record in the home.
I think the first issue though is to seriously consider bringing her back home. How long has she been in a facility? Your profile indicates she has a variety of medical issues. Was she able to live in her home alone before she resided where she apparently is now? Would you be living with her?
4. Another option might be to explore various levels of assistance:
a. Some counties have low interest loans. Ours does, and helped a neighbor with a home improvement loan. However, the contractor wasn't very professional, was actually not very competent or safe, and provoked a police response when he trespassed on the lawn of a hot headed neighbor who was obsessed with a manicured lawn and came out with a pistol directed toward the contractor. I learned a few years after that incident that the contractor committed suicide.
b. Habitat for Humanity, some Methodist churches, and Christmas in April provide free assistance to people in need.
c. Some communities get HUD grants which also provide assistance, for emergencies.
5. I don't know of any organization that helps with unpaid taxes. How far back are they delinquent? That might be a condition that discourages anyone from helping if there's a possibility the house might be subject to confiscation by the community for back taxes.
It's really sad that some people are in need of funds, but they may be in short supply, especially when so much money is wasted on the federal level.
gina, I have always believed that if one needs to borrow money to help repair a house or pay taxes, it is time to downsize into something more affordable. Today it is the roof, next month it could be the plumbing, or some appliances need replacing.
If your Mom is currently living in a nursing home since August [as per your profile], that tells me she now needs a village to help take care of her. I assume she is on Medicaid [different from Medicare].
Thus, if you bring Mom back home, you would be doing the work of 3 shifts of caregivers, thus a village of one. And since Mom needs a loan for taxes, that tells me there wouldn't be enough to budget for professional caregivers to come in to help you care for Mom.
Needing a loan for a roof (which can easily cost well upwards of $10,000) isn't uncommon nor a reason to downsize. That's a big chunk of money. Taxes, on the other hand, should be able to be paid without a loan. If you need a loan for that, you can't afford the house. Does she still have a mortgage? If not, you could look into a home equity loan. Even if you're going to sell the house, you need to fix the roof.
If the roof has leaked and caused internal damage, that is an insurance claim. Insurance won't pay for the roof (unless it was damaged suddenly and not just old), but it WILL pay for internal damage to a home caused by a roof leak, which adds up quickly even with a small leak.
Best of luck! Sounds like you have a lot of decisions and action items ahead.
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.
You also say Mum has many medical issues, how are you as a single person with no support going to provide the care she needs?
I am sorry but I see lots of red flags here. Far more than a leaking roof and unpaid taxes.
How is Mum's nursing home being paid for? What income do you have?
1. Banks might not easily grant a loan to an 80 year old woman unless she had significant collateral.
2. A bank might grant a loan to her and you jointly, but one of you would have to have collateral. And 3. below would have to be in place.
3. If the deed is titled in her name only, that would be a concern for a bank, especially if you co-signed a loan but had no vested interest of record in the home.
I think the first issue though is to seriously consider bringing her back home. How long has she been in a facility? Your profile indicates she has a variety of medical issues. Was she able to live in her home alone before she resided where she apparently is now? Would you be living with her?
4. Another option might be to explore various levels of assistance:
a. Some counties have low interest loans. Ours does, and helped a neighbor with a home improvement loan. However, the contractor wasn't very professional, was actually not very competent or safe, and provoked a police response when he trespassed on the lawn of a hot headed neighbor who was obsessed with a manicured lawn and came out with a pistol directed toward the contractor. I learned a few years after that incident that the contractor committed suicide.
b. Habitat for Humanity, some Methodist churches, and Christmas in April provide free assistance to people in need.
c. Some communities get HUD grants which also provide assistance, for emergencies.
5. I don't know of any organization that helps with unpaid taxes. How far back are they delinquent? That might be a condition that discourages anyone from helping if there's a possibility the house might be subject to confiscation by the community for back taxes.
It's really sad that some people are in need of funds, but they may be in short supply, especially when so much money is wasted on the federal level.
If your Mom is currently living in a nursing home since August [as per your profile], that tells me she now needs a village to help take care of her. I assume she is on Medicaid [different from Medicare].
Thus, if you bring Mom back home, you would be doing the work of 3 shifts of caregivers, thus a village of one. And since Mom needs a loan for taxes, that tells me there wouldn't be enough to budget for professional caregivers to come in to help you care for Mom.
Lot of food for thought here.
If the roof has leaked and caused internal damage, that is an insurance claim. Insurance won't pay for the roof (unless it was damaged suddenly and not just old), but it WILL pay for internal damage to a home caused by a roof leak, which adds up quickly even with a small leak.
Best of luck! Sounds like you have a lot of decisions and action items ahead.