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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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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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Mom had a stroke in September and is now in a nursing home. She has money in an IRA as well as in checking and savings accounts. How much can she have without being penalized?
I have taken the advise here and went to see an elder care attorney today. Only to discover my appointmemt was for NEXT week. Must unscramble my calender.
Dared - try to keep a sense of humor in dealing with all this.
Before you go to see legal, get whatever paperwork in order to take with you - if mom has a will, then take that. They probably will update it and do a codicil to it. Also make a list of all mom's pertinent details, like her & your dad's marriage(s) and DOB on all their kids. Take maybe the last 6 months of mom's bank statements and her CD and IRA info. As this is January, she should have gotten her annual SS statement of benefits form and the same type of form from any retirement or annuity she has. You just want to try to have as much information there for the first visit so they can advise mom & you based on good detailed information. If mom's monthly income is over Medicaid limits, they can determine whether she can do a Miller Trust to get the income to your state limit.
Now they may want to do a new DPOA, MPOA and maybe a "Guardianship in case of Incapacity" done also. Some POA's are "springing" POA's, so you want to make sure, what you have is NOT a "springing" type. This is why you need to take the current POA with you.
At some point in time, mom will run out of funds to private pay for the NH, and you will need to apply for Medicaid for her to pay for the NH. That is just the reality by & large. What you should speak with the attorney about is how to best use what assets mom has now. Cashing out an IRA or a an insurance policy takes time, so it is good you are seeing an attorney now. If mom does not have a prepaid funeral & burial policy, then some of that IRA $ can be used to pay for that. It just has to be under whatever your state has as the limit for funeral AND has to be NCV (no cash value). This is totally OK to do but some NH don't like this as they would prefer the 10K spent on the funeral was private pay to them. Good luck.
Every state is a little different, but commonly you can have a couple thousand plus a home with furnishings and a car, and a burial policy. Insurances without cash or face value are OK too.
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.
Must unscramble my calender.
Before you go to see legal, get whatever paperwork in order to take with you - if mom has a will, then take that. They probably will update it and do a codicil to it. Also make a list of all mom's pertinent details, like her & your dad's marriage(s) and DOB on all their kids. Take maybe the last 6 months of mom's bank statements and her CD and IRA info. As this is January, she should have gotten her annual SS statement of benefits form and the same type of form from any retirement or annuity she has. You just want to try to have as much information there for the first visit so they can advise mom & you based on good detailed information. If mom's monthly income is over Medicaid limits, they can determine whether she can do a Miller Trust to get the income to your state limit.
Now they may want to do a new DPOA, MPOA and maybe a "Guardianship in case of Incapacity" done also. Some POA's are "springing" POA's, so you want to make sure, what you have is NOT a "springing" type. This is why you need to take the current POA with you.
At some point in time, mom will run out of funds to private pay for the NH, and you will need to apply for Medicaid for her to pay for the NH. That is just the reality by & large. What you should speak with the attorney about is how to best use what assets mom has now. Cashing out an IRA or a an insurance policy takes time, so it is good you are seeing an attorney now. If mom does not have a prepaid funeral & burial policy, then some of that IRA $ can be used to pay for that. It just has to be under whatever your state has as the limit for funeral AND has to be NCV (no cash value). This is totally OK to do but some NH don't like this as they would prefer the 10K spent on the funeral was private pay to them. Good luck.