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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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Memory care at a locked facility because you cannot stay awake 24/7. Let go and let the professionals offer her safety and appropriate activities. Start looking now and talk to an Elder Law Attorney to guide you through the Long Term Care BS.
Would they more likely cover her in a Memory care unit. Just my opinion, she should not be on her own. Even in early stages, someone should be with her 24/7. ALZ and any Dementia is too unpredictable.
Prudential basically got 100% out of LTC underwriting abt decade ago. They stopped issuing individual stand alone policy back in 2012 & stopped group LTC couple years after that (shut down group LTC website overnight, can we say FUN!). The policies are still serviced @ 800-732-0416 & seems to be on a totally different system from anything else Pru. If I had to hazard a guess, they are having it done by an outside contractor…. technically moves like this are allowed under policy terms & the approval of State Insurance Commissioners, so if this has happened, you really don’t ever deal with Pru per se but their contractor. It’s all been a fine print type of change. So if you are thinking that a Prudential insurance agent can help you, that is so not going to happen…. their agents are all about selling life insurance policies, annuities, yada yada. As they no longer “sell” LTC, they cannot help you.
Huge exodus 2010/2015 of insurance co. from LTC underwriting as not profitable. Sold off LTC units to smallish companies & outsourced contractors. Technically still whatever insurance Co name it was initially but the LTC unit was spun off and now it’s own separate lil entity.
My suggestion is for you to get in writing what the step are in the Appeal process and get a copy of the assessment / needs determination for your Sister that was done by the LTC insurer ASAP. Also you want details on the individual(s) who did the evaluation, eg. education, certification. There probably is a narrow window for an appeal to be filed. Make sure HIPPA releases and POA are on file so that there is no delay due to that not being in Sissy file for you to have access to her health records.
fwiw Genworth has their service center in Canada & they have a very good system. Gen is the market leader for LTC policies imo. But even they tried to sell their LTC unit & couldn’t find a suitable buyer.
At Prudential, we are committed to providing you with the best possible service.
Do you have a question? We can help Our customer service associates can answer your questions and assist with any policy-related transactions. Please visit our Contact Us page to find the right business group to handle your inquiry.
To submit a complaint Do you have a specific grievance or dissatisfaction with a Prudential product, service, or associate? If so, please tell us about it using this form: https://www.prudential.com/links/about/complaint-form
Get a copy of the assessment & then file an Appeal. You will likely need to get an independent assessment done on her ASAP to document that she does not have the cognitive ability to “process” what is needed to do her ADLs and this is what you will use to counter their determination. Yeah physically she can do stuff but cannot know to do stuff…. that’s what’s happening isn’t it???
also for more fun in all this there will be a waiting period b4 any payment made. Could be 60-90-120 days. Read the contract carefully and in detail as to how the waiting period is determined. If you’re doing in home care by family for free setting a start date can be squishy as no invoice with a date of service start date. Sometimes you end up having to hire in home health for a bit to get start date established.
if you don’t mind me asking, is this Genworth? Or an old MetLife?
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.
Huge exodus 2010/2015 of insurance co. from LTC underwriting as not profitable. Sold off LTC units to smallish companies & outsourced contractors. Technically still whatever insurance Co name it was initially but the LTC unit was spun off and now it’s own separate lil entity.
My suggestion is for you to get in writing what the step are in the Appeal process and get a copy of the assessment / needs determination for your Sister that was done by the LTC insurer ASAP. Also you want details on the individual(s) who did the evaluation, eg. education, certification. There probably is a narrow window for an appeal to be filed. Make sure HIPPA releases and POA are on file so that there is no delay due to that not being in Sissy file for you to have access to her health records.
fwiw Genworth has their service center in Canada & they have a very good system. Gen is the market leader for LTC policies imo. But even they tried to sell their LTC unit & couldn’t find a suitable buyer.
This is what popped up:
File a Complaint with Prudential
At Prudential, we are committed to providing you with the best possible service.
Do you have a question? We can help
Our customer service associates can answer your questions and assist with any policy-related transactions. Please visit our Contact Us page to find the right business group to handle your inquiry.
To submit a complaint
Do you have a specific grievance or dissatisfaction with a Prudential product, service, or associate? If so, please tell us about it using this form: https://www.prudential.com/links/about/complaint-form
also for more fun in all this there will be a waiting period b4 any payment made. Could be 60-90-120 days. Read the contract carefully and in detail as to how the waiting period is determined. If you’re doing in home care by family for free setting a start date can be squishy as no invoice with a date of service start date. Sometimes you end up having to hire in home health for a bit to get start date established.
if you don’t mind me asking, is this Genworth? Or an old MetLife?
DI'd they send someone out to assess your sister's ability to live alone?
Who has POA?