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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?
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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.
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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All of the answers about assets are somewhat irrelevant because her income will be too high even with zero assets. Yes, you need to spend down if there are any but once you do then what?
The answer is that Medicaid will pay the cost difference between the care needed and her income. They will take her entire income except a small stipend for incidentals.
I am puzzled by the advice to contact an attorney or a social worker as in my experience they are completely useless in this case except to recommend placement agencies. I am curious what people think an attorney is going to do.
You need to seek the advice of an elder law attorney as your mother has a complicated situation where she has too much income to qualify for Medicaid and too little income to qualify for MC.
Spend down what she has. Set up a funeral trust from her assets and income. Since she is over the income for Medicaid, seek the advice of an elder law attorney to set up a personal needs trust before applying
You seek a facility that has memory care which will take Medicaid. We had to do this for my BIL who is right now in a NH with memory care unit. In Sept 2022 he went into a NH with memory care and since I was his representative payee for social security I had to get him onto Medicaid.
I had to spend down my BIL finances to get him onto Medicaid. When Medicaid steps in they figure out what you pay for the NH. For my BIL it was his social security minus $50 and all of his pension. I got paperwork stating from Medicaid this is what you have to pay for the nursing home. The nursing home where my BIL charges $260 a day in a months time that ranges from $7800 to $8060 so when Medicaid says to pay this amount the difference is what Medicaid pays the nursing home.
And I would let the nursing home be their representative payee for all. Less stress on you. Believe me in this because if there is family they can screw with you and in my case they did. If I would have known they would do that to me I would have signed everything over to the nursing home in Sept.
If there are no other assets to liquidate, and her income isn't enough to cover the cost of a desired facility, see if the state has a Medicaid waiver program to help cover the costs. If not, and if parent's needs are too much for family to handle, then you need to start planning to have her placed in a facility that takes LTC Medicaid. Although this is not easy, it can be done. You can try to do it yourself, or with the help of an attorney (paid by mom), or if you find that too difficult, get the help of a social worker. Basically if mom is in an unsafe situation, the state will take action and place her in a safe environment.
This is why some people scrimp and save their whole lives so they can afford what they need in old age.
Soooo.....tap into savings. Sell the car. Sell the home. That's what people do.
And you should NOT pay toward upkeep of your parent in a facility. Use the parents' assets first. You need to be saving for your own care when you need it. Right now is a good time to invest because there are plenty of places where you can get 5% interest.
The advice about using the parents' assets first is good advice. If your parents have more than enough assets to cover for the MCF until their passing, your inheritance tax will be smaller. If they don't have enough assets to cover the MCF until they pass away, you'll be able to apply for aid after the spend down is complete.
Private pay. If this is a single parent, 4500 goes way over what some States have as an income cap for Medicaid. My State, the last I looked, is just over $2300. To get help with Medicaid, the xtra would need to be put into a Qualifying Income Trust/Miller Trust and not all States allow it.
Private Pay, that is what we do for both my mother in AL & stepmother in MC. We sold both of their homes and use that money to pay for whatever they do not receive from SS & pensions.
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.
The answer is that Medicaid will pay the cost difference between the care needed and her income. They will take her entire income except a small stipend for incidentals.
I am puzzled by the advice to contact an attorney or a social worker as in my experience they are completely useless in this case except to recommend placement agencies. I am curious what people think an attorney is going to do.
I had to spend down my BIL finances to get him onto Medicaid. When Medicaid steps in they figure out what you pay for the NH. For my BIL it was his social security minus $50 and all of his pension. I got paperwork stating from Medicaid this is what you have to pay for the nursing home. The nursing home where my BIL charges $260 a day in a months time that ranges from $7800 to $8060 so when Medicaid says to pay this amount the difference is what Medicaid pays the nursing home.
And I would let the nursing home be their representative payee for all. Less stress on you. Believe me in this because if there is family they can screw with you and in my case they did. If I would have known they would do that to me I would have signed everything over to the nursing home in Sept.
Prayers
Soooo.....tap into savings. Sell the car. Sell the home. That's what people do.
And you should NOT pay toward upkeep of your parent in a facility. Use the parents' assets first. You need to be saving for your own care when you need it. Right now is a good time to invest because there are plenty of places where you can get 5% interest.
Speak with the administration at the facility. Each one is privately run and managed. They can answer for their facility.