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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.
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She can spend her money for things for herself. Any gifts will be a penalty in the eyes of Medicaid that were done in the give years prior to entering the program. The house is an exempt asset but if she still owns it when starting Medicaid a lein will be placed on it to cover the cost of her nursing home care.
Seean elder law attorney well versed in Medicaid planning.
One more question. When you say gifts will be counted against her does that count if you are talking small gifts or big ones? How does cash work? I am not talking thousands but hundreds.
All gifts will be a penalty period where the money, to pay her back will have to be come up with another way. If it is hundreds that would be a portion of her first month in a care. Some are concerned about thousands that can add up to many months of care.
Their home & 1 car are an exempt assets for the rest of their lifetime under Medicaid by & large. Although that seems great, your elder will really NOT have any of their $ to pay for anything on the house once in a NH.
Medicaid requires a copay or SOC(share of cost) of all their monthly income to the NH. They do get a small -$35/$90- personal needs allowance each month. PNA varies by state & is just enough to pay for hair salon & phone costsv@ NH. So mom will have no -nada- zilch -zero $ to pay for anything house. Family will need to pay everything house: taxes, insurance, maintenance, utilities, etc. If there is a regular mortgage or heloc, the costs could be significant.
Once on medicaid, the house will be subject to a MERP claim or lien on it. All the states are now required to have MERP in place. Many states have turned this function over to outside contractors who approach it very aggressively like a debt collector would. Now average NH stay is about 60-100K a year, so you can expect a lien or claim on the property to be that amount. If the home is modest & sold after the elders death, there could be no $ left once MERP claim or lien paid.
If family has deep enough pockets to afford to pay for years & years & have a reasonable expectation of exemptions, exclusions or hardships to offset MERP, then keeping moms house can make sense. Still a gamble on ownership, but could be worth doing. It would be like having a 2nd or 3rd home but without any benefit of ownership. For most folks, having a second home is just not affordable. The exclusions for costs on house are for an empty house, if family is living in house they are expected to pay for all without later exclusions.
To avoid all this the house would have to be transferred to family 5 full years before a Medicaid application is done. That would mean Dec, 2019, if you did it this month.
Transferring house to an adult child can be done if medically necessary care was provided for a period of two years prior to the transfer, in many states. See an attorney specialized in Medicaid planning.
Yes on the attorney. Mom spending on anything for herself, her needs or her property are all OK for spend down. If you are at the point that mom may be needing a facility in the very near future (like 2015 or 2016) there you are kinda limited to what can be done at this late point in time.
An experienced elder law guy will be of immense value in providing options that will work for how your state evaluates their Medicaid application. they will also have FAs they work with if there is something mom can do on that front.
Btw for my moms application, it was 3 years & 6 months of all financials; all pages of insurance documents; awards letters; real property tax statements, etc. & for more fun a on bank letterhead statement as to the disposion of any account closed over 5 years & this signed by bank officer. Easily over 100 pages but mainly due to her old term life insurance. The NH reviewed all - mainly looking at the monthly bank statements - to determine if they (the NH) would accept mom "Medicaid Prnding". Then in turn the NH sent these with their bill to Medicaid to the caseworker assigned to their area (done by zip code).
This time of the year (Dec-Feb) is good to start the notebook on all this as mom will be getting her awards letters; tax statements for real property; interest paid statements; 1099's etc. good luck & keep a sense of humor going.
We are not there yet and she would definitely have money to go trough first also. I think we will start with a live in and then see if she can literally get back ok her feet. I am just trying to be proactive especially since my brother is questioning me on Medicaid.
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.
Seean elder law attorney well versed in Medicaid planning.
Medicaid requires a copay or SOC(share of cost) of all their monthly income to the NH. They do get a small -$35/$90- personal needs allowance each month. PNA varies by state & is just enough to pay for hair salon & phone costsv@ NH.
So mom will have no -nada- zilch -zero $ to pay for anything house. Family will need to pay everything house: taxes, insurance, maintenance, utilities, etc. If there is a regular mortgage or heloc, the costs could be significant.
Once on medicaid, the house will be subject to a MERP claim or lien on it. All the states are now required to have MERP in place. Many states have turned this function over to outside contractors who approach it very aggressively like a debt collector would. Now average NH stay is about 60-100K a year, so you can expect a lien or claim on the property to be that amount. If the home is modest & sold after the elders death, there could be no $ left once MERP claim or lien paid.
If family has deep enough pockets to afford to pay for years & years & have a reasonable expectation of exemptions, exclusions or hardships to offset MERP, then keeping moms house can make sense. Still a gamble on ownership, but could be worth doing. It would be like having a 2nd or 3rd home but without any benefit of ownership. For most folks, having a second home is just not affordable. The exclusions for costs on house are for an empty house, if family is living in house they are expected to pay for all without later exclusions.
To avoid all this the house would have to be transferred to family 5 full years before a Medicaid application is done. That would mean Dec, 2019, if you did it this month.
An experienced elder law guy will be of immense value in providing options that will work for how your state evaluates their Medicaid application. they will also have FAs they work with if there is something mom can do on that front.
Btw for my moms application, it was 3 years & 6 months of all financials; all pages of insurance documents; awards letters; real property tax statements, etc. & for more fun a on bank letterhead statement as to the disposion of any account closed over 5 years & this signed by bank officer. Easily over 100 pages but mainly due to her old term life insurance. The NH reviewed all - mainly looking at the monthly bank statements - to determine if they (the NH) would accept mom "Medicaid Prnding". Then in turn the NH sent these with their bill to Medicaid to the caseworker assigned to their area (done by zip code).
This time of the year (Dec-Feb) is good to start the notebook on all this as mom will be getting her awards letters; tax statements for real property; interest paid statements; 1099's etc. good luck & keep a sense of humor going.