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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.
Share a few details and we will match you to trusted home care in your area:
I've been told by social services they will not count her government pension as asset, but rather as income. But what about her medicare payment; how will that be assessed? Will the medicare payment be added towards the $2,000 she's allowed to keep?
Tip - "Income" is whatever they get paid or recieve each month. Like SS or retirement or an annuity. Each state sets the maximum of what the "income" is allowed to be for Medicaid. Like Texas is $ 2,094.00. Their monthly "income" will be expected to be paid to the NH for their co-pay less whatever your state has as it's "personal needs allowance". This amount too varies by state (TX is $ 60.00).
Now Medicare deduction is usually taken from their monthly SS payment. Look at her annual SS statement of benefits to see how this is being done. The annual statement is mailed in January and is a white & black trifold document (the kind that has the tear off panel on the sides - this is an important document too). Also if she was a federal employee, they too sent out an annual benefit statement in January too and same type of form. You do want to check to make sure that Medicaid has the right amounts and are deducting her health insurance payment from the required co-pay.
Like for my mom, she gets $ 800.00 from SS BUT she actually gets almost 900 a month but her Medicare (about $ 96.00) is deducted from the monthly SS payment, and then 1K a month from retirement, so her monthly income is $ 1,800.00 - less her personal needs allowance of $ 60.00 a month. So her required Medicaid co-pay to the NH every month is $ 1,740.00. You can let the allowance build up and the NH will have a "kitty" or a NH trust account, that you can put some of the allowance $ into for the hair salon or her phone charge or magazines. At my mom's NH, most of the ladies use the allowance regularly for hair salon.
Assets are different - that would be whatever money she may still have that was not spent down and is under the asset limit. I think assets have to be under 2K. So if Sissy had 10K in a savings account, she would have had to spent - down 8K to qualify for Medicaid. She can keep the last 2K in assets in her bank account. You just have to pay attention that it doesn't go above 2k. If you are her point person for doing stuff for her, think about having the account so that you are a signature on the account and it is POD (pay on death) to you so it will not be an after death asset for her estate. good luck!
My sister has her Federal Employees insurance, which is supplemental to Medicare, taken out of her monthly annuity, but the Medicare payment is not taken out. She receives no social security. So, will they allow for the Medicare payment, or will she still have to pay it monthly if she receives Medicaid?
My 93-year-ol' Mom will have to go on Medicaid in less than two years. We jointly own our (Mom is in a private care home home, away from our home) condo, and I hope that the CA people will not attached Mom's half of her assets/trust to a lien, either while she is alive or deceased. Mom will not be returning home, and family is working out the Medi-cal plan with me. I have lived with and took care of Mom for over 20 years!
For Pat - igloo has posted many detailed explanations of this process, and the mandated recovery called MERP. Go to the right side of this page under your avatar, if you don't see the word TOOLS, click on MORE. Then click on Tools. Move over to the left side of the page, click on the option to find other members by username and type in "igloo572" and submit. When you see igloo's username, quick there and it will take you to her user page. "WALL" is shown and this is what other members have written TO her. Click ACTIVITY, to the right of the WALL and you will get what she has POSTED/ANSWERED two others. Scroll down and read, read, read. Your answers are all there.
Tip - I can tell you what happens in California with regular social security and it may be the same in your state. However, since your mom was a federal employee and does not receive Social Security, it may be totally different as you say that she already does not have a Medicare premiums deducted from her benefit payment. When a person goes on MedicAID (called MediCAL in California), MediCAL generally starts paying the MediCARE Premium and the amount is added back into the persons monthly amount received. Unless a member here has had the same circumstances as your mom, you may not get an accurate answer. You're going to have to make some enquiring phone calls to be sure.
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.
Now Medicare deduction is usually taken from their monthly SS payment. Look at her annual SS statement of benefits to see how this is being done. The annual statement is mailed in January and is a white & black trifold document (the kind that has the tear off panel on the sides - this is an important document too). Also if she was a federal employee, they too sent out an annual benefit statement in January too and same type of form. You do want to check to make sure that Medicaid has the right amounts and are deducting her health insurance payment from the required co-pay.
Like for my mom, she gets $ 800.00 from SS BUT she actually gets almost 900 a month but her Medicare (about $ 96.00) is deducted from the monthly SS payment, and then 1K a month from retirement, so her monthly income is $ 1,800.00 - less her personal needs allowance of $ 60.00 a month. So her required Medicaid co-pay to the NH every month is $ 1,740.00. You can let the allowance build up and the NH will have a "kitty" or a NH trust account, that you can put some of the allowance $ into for the hair salon or her phone charge or magazines. At my mom's NH, most of the ladies use the allowance regularly for hair salon.
Assets are different - that would be whatever money she may still have that was not spent down and is under the asset limit. I think assets have to be under 2K. So if Sissy had 10K in a savings account, she would have had to spent - down 8K to qualify for Medicaid. She can keep the last 2K in assets in her bank account. You just have to pay attention that it doesn't go above 2k. If you are her point person for doing stuff for her, think about having the account so that you are a signature on the account and it is POD (pay on death) to you so it will not be an after death asset for her estate. good luck!