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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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From what I read here, there's a 5 year look back period. On the date you apply for Medicaid, they "look back" 5 years prior to that date. If any assets have been gifted away, or major expenses paid that are not usual, then Medicaid will penalize the potential recipient by that amount. It's pretty hard to get away with transfers of assets, if you try to hide it somehow, and it gets uncovered, it only serves to hurt the senior who is in need of care. They will refuse to pay the nursing home bill. And after the senior dies, they will put a lien on the home, and collect their money during the sale process (the title won't be able to transfer to new owner until the outstanding lien is satisfied).
How does the government determine the amount of the transferred property. If you own a house with your parent and then the parent transfers his share of the property to the son, does the government determine the value at the time of the transfer or at the time of the Medicaid application?
Mom is in a nursing home. House was sold 5 years ago and proceeds have paid for her care. We are in the spend-down phase. However, I am co-owner of a savings account and a CD with her (not just able to sign checks). How much of the accounts can I keep for myself?
For transfer penalty, what usually happens is that the state sends the Medicaid applicant or their dpoa a letter that requires documentation to establish whether or not the funds or action in question were spent or done within guidelines. If elder is ruled to be ineligible for medicaid coverage, then Medicaid will not pay the facility. The facility gets the penalty letter too & they will fully expect to be paid for all those days / weeks that the elder has been there. Most admissions contracts have some sort of wording as to what they do if a Medicaid Pending application is denied. They will go after the elder & or their fiduciary or DPOA or spouse to get this paid.
If the transfer is on a piece of real property, all those values are done by the local tax assessor and dovetailed into the states database. It's a simple matchup and to the penny. Transfer penalties vary by state as the equation is based on what your state has as its daily room & board reinbursement rate paid to a NH by your states medicaid program. So like for TX which has a low rate @ $155 a day a 50K penalty is 323 days of ineligibility; but for a state that pays $300 a day its only 166 days. Each state administers its medicaid program uniquely.
One sticky with property transfers is that the amount is usually set on the date of the medicaid application to start the clock ticking on days of transfer too. States in the past used to set date based on when transfer was done but I don't know of any states that allow for this approach anymore. Often family either private pays for the care provided either from their purse or by selling the transferred house; or they move the elder in with them & still face paying the outstanding bill.
Transfer penalties on houses or cars are very difficult to get around as the data is just there.
Paul, if your mom's name is on anything, it is considered a countable asset...unless you can prove that you made the deposits into the accounts and never withdrew any, then by default everything in those accounts came from mom....and she is not allowed to "gift" it to you within 5 years of a Medicaid application. They will deny her until those accounts are (along with all other assets with her name.on them) brought to $2,000 max assets. If she is over this amount, she could use those accounts to pre-pay her funeral, or re-roof her house but those monies cannot be used for any other purpose than her care (or funeral pre-pay or reasonable home repairs---but some people have done home repairs and gotten penalized so generally not a good idea). You might want to check with a lawyer, one who knows your state's Medicaid rules and recent updates. Good luck.
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.
If the transfer is on a piece of real property, all those values are done by the local tax assessor and dovetailed into the states database. It's a simple matchup and to the penny. Transfer penalties vary by state as the equation is based on what your state has as its daily room & board reinbursement rate paid to a NH by your states medicaid program. So like for TX which has a low rate @ $155 a day a 50K penalty is 323 days of ineligibility; but for a state that pays $300 a day its only 166 days. Each state administers its medicaid program uniquely.
One sticky with property transfers is that the amount is usually set on the date of the medicaid application to start the clock ticking on days of transfer too. States in the past used to set date based on when transfer was done but I don't know of any states that allow for this approach anymore. Often family either private pays for the care provided either from their purse or by selling the transferred house; or they move the elder in with them & still face paying the outstanding bill.
Transfer penalties on houses or cars are very difficult to get around as the data is just there.