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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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A spouse can go into Assisted Living at any time they want, there is no time limit... it just depends on if they can afford the monthly fee. Grandmother could self pay using the equity in the house if she sells said house.
Now, if the spouse needs to use Medicaid, that's a different story.... usually Medicaid doesn't pay for Assisted Living unless Grandmother lives in a State that offers a waiver, which would pay part of the monthly fee. Otherwise Medicaid would pay for full time nursing home care any time Grandmother needs to use said services. There is no time wait. The 5 years is a "look back" to see how Grandmother's money and assets were used. If large amounts of money were "gifted", that amount would be deducted from what would be used to help Grandmother. Grandmother would need to pay out of pocket.
Deeding over Grandmother's house to an adult child within that 5 year look back would cause a loss of Medicaid funds to be used for nursing home care. One is usually penalized by how much the house is worth [equity].
Are you thinking that the person getting the house is going to qualify for the caregiver exemption (to estate recovery or gufting) as grannie will be applying for Medicaid?
About the penalty, it gets placed starting from the date of the Medicaid application. It is roughly an equation base on whatever your states Medicaid program pays a facility for the daily room & board rate and the value of the gifted asset. For real property, value is usually the tax assessor value unless gotten a appraisal done (by a licensed & registered appraiser so the report has a Seal).
I would check how it works in your state regarding Assisted Living. Some states provide funds to those who qualify based on need (doctor's orders) and income.
Some states, (in NC it's called Special Assistance) pay for the person's Assisted Living costs, IF the doctor says it's needed and they meet the income requirement. In NC the lookback period is 3 years, not 5 like Medicaid. I'd check your state to see what they require.
Also, has the adult child lived with the parent caring for them and enabling them to not have to go into a facility for a period of time. I'd explore if that has any impact too.
It is always better to inherit a house rather than be gifted a house. If your grandma gives the house to her adult child the child will owe tax on the difference between the sales price of the house & what your grandparents paid for the house. If the adult child inherits the house they will only owe tax on the difference between what the house was worth when she passed & what it sells for.
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.
Now, if the spouse needs to use Medicaid, that's a different story.... usually Medicaid doesn't pay for Assisted Living unless Grandmother lives in a State that offers a waiver, which would pay part of the monthly fee. Otherwise Medicaid would pay for full time nursing home care any time Grandmother needs to use said services. There is no time wait. The 5 years is a "look back" to see how Grandmother's money and assets were used. If large amounts of money were "gifted", that amount would be deducted from what would be used to help Grandmother. Grandmother would need to pay out of pocket.
Deeding over Grandmother's house to an adult child within that 5 year look back would cause a loss of Medicaid funds to be used for nursing home care. One is usually penalized by how much the house is worth [equity].
About the penalty, it gets placed starting from the date of the Medicaid application. It is roughly an equation base on whatever your states Medicaid program pays a facility for the daily room & board rate and the value of the gifted asset. For real property, value is usually the tax assessor value unless gotten a appraisal done (by a licensed & registered appraiser so the report has a Seal).
Some states, (in NC it's called Special Assistance) pay for the person's Assisted Living costs, IF the doctor says it's needed and they meet the income requirement. In NC the lookback period is 3 years, not 5 like Medicaid. I'd check your state to see what they require.
Also, has the adult child lived with the parent caring for them and enabling them to not have to go into a facility for a period of time. I'd explore if that has any impact too.