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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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Probably not, but talk to her caseworker at the NH. She may know of resources. How long is she going to be in the NH? Does anyone live in the house? Why can't they pay the bills? The house may eventually be lost to Medicaid anyhow. More details might lead to more suggestions.
For it to be feasible for the elder to continue to keep their home once they go into a NH and onto Medicaid really will depend on their family's financial situation. In most states, the elder can continue to keep & own their home as an "exempt" asset under Medicaid rules. (Now some states do not allow for this or may limit the length of time they can keep the home - so you need to find out IF your mom's state has specific rules).
But here's the rub on keeping the house, once they are on Medicaid, they are required to do a co-pay or their "SOC" (share of cost) to the NH. The SOC will be whatever is their monthly income LESS whatever your state has set as their personal needs allowance (ranges from $ 35 - 90 a mo). So say mom gets $ 800 in SS and $ 1K in retirement and is in TX (which has the allowance @ $ 60 a mo), then every month mom MUST do her SOC of $ 1,740 to the NH to be compliant for Medicaid rules. There will realistically be no - nada - zilch - zero $$ to pay for anything on mom's house anymore. If family is living at the home, they are kinda expected to pay for all as they are benefitting from the property which is owned by mom. The $ 60 is really just enough to pay for mom's hair salon and clothes.
I would suggest that you look hard at the total costs for mom's house (taxes, insurance, utilities, yard, etc) and then taking into account what mom's wishes are and the feasibility of her "right of return" to the house to determine whether keeping the house from now till her death. Since we lost that crystal ball!, this could be 6 mo or 6 years. Personally, if there is still a mortgage, then it isn't feasible.
Now if the house is empty, then you need to think about if it is possible for you or other family to dependably continue to pay for everything on the house for the rest of mom's life and keep the detailed records of all expenses so that you can do a MERP exemption for those costs (to offset the required MERP claim or lien) and then also to possibly present to probate as an expense of the estate. For most this is just not feasible and so mom's house gets sold. The $ from the sale will have to be reported to Medicaid too & spent-down, no way around this.
I don't know how this runs for other states, but for TX Medicaid if they have a home and want to sell it, you can ask for a short-term diversion of some of their SOC to pay for items needed to have the house on the market. House has to have a valid listing agreement with a Realtor (so no FSBO stuff). When the house sells then all the proceeds have to go towards mom's spend down before Medicaid will pay too. If you spend $ to do things to the house to make it more sellable, you kinda need to get a bill to mom in order to get reimbursed from the proceeds of the sale too otherwise the state seems to view that you spent the money out of your love & devotion to mom & so no reimbursement to you. 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.
But here's the rub on keeping the house, once they are on Medicaid, they are required to do a co-pay or their "SOC" (share of cost) to the NH. The SOC will be whatever is their monthly income LESS whatever your state has set as their personal needs allowance (ranges from $ 35 - 90 a mo). So say mom gets $ 800 in SS and $ 1K in retirement and is in TX (which has the allowance @ $ 60 a mo), then every month mom MUST do her SOC of $ 1,740 to the NH to be compliant for Medicaid rules. There will realistically be no - nada - zilch - zero $$ to pay for anything on mom's house anymore. If family is living at the home, they are kinda expected to pay for all as they are benefitting from the property which is owned by mom. The $ 60 is really just enough to pay for mom's hair salon and clothes.
I would suggest that you look hard at the total costs for mom's house (taxes, insurance, utilities, yard, etc) and then taking into account what mom's wishes are and the feasibility of her "right of return" to the house to determine whether keeping the house from now till her death. Since we lost that crystal ball!, this could be 6 mo or 6 years. Personally, if there is still a mortgage, then it isn't feasible.
Now if the house is empty, then you need to think about if it is possible for you or other family to dependably continue to pay for everything on the house for the rest of mom's life and keep the detailed records of all expenses so that you can do a MERP exemption for those costs (to offset the required MERP claim or lien) and then also to possibly present to probate as an expense of the estate. For most this is just not feasible and so mom's house gets sold. The $ from the sale will have to be reported to Medicaid too & spent-down, no way around this.
I don't know how this runs for other states, but for TX Medicaid if they have a home and want to sell it, you can ask for a short-term diversion of some of their SOC to pay for items needed to have the house on the market. House has to have a valid listing agreement with a Realtor (so no FSBO stuff). When the house sells then all the proceeds have to go towards mom's spend down before Medicaid will pay too. If you spend $ to do things to the house to make it more sellable, you kinda need to get a bill to mom in order to get reimbursed from the proceeds of the sale too otherwise the state seems to view that you spent the money out of your love & devotion to mom & so no reimbursement to you. Good luck.