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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 assume she inherited the annuity in her own name? Not a trust established for her benefit?
If it's in her own name, Medicaid will be interested in it.
I work in the legal department of a major insurance/annuity insurance company. The situation I often see is a POA calling us saying that their loved one will come off Medicaid and cause them to start over if the they accept the benefit. The three resolutions we end up seeing on our end is (and I'm not pushing or legally recommending anything - just relaying what often happens in these situations!) :
1. Accept the proceeds and deal with the potential Medicaid issues (and yes, talk to your state Medicaid agency as to exactly what would happen if you accept it.)
2. Disclaim the proceeds, which would then be paid to the remaining primary (if any) or the contingent beneficiary or the Estate of the owner/insured. I tend to see this more often when the POA may be the next beneficiary, or another close family member of the primary beneficiary. Or the family simply does not wish to deal with the Medicaid issue. You are not required to accept the proceeds. Medicaid will not force you to accept the proceeds.
3. The one I see the least, especially on a small benefit like this (it's not small to me, but compared to what I see at the office...) is to roll the proceeds over into a Medicaid compliant annuity, and name Medicaid as a beneficiary. I definitely see this often when there is a "community spouse". You will still need to work with Medicaid should this be a possible alternative.
Check with your local Medicaid office first - your decision will follow from your knowledge of the impact on her benefits.
Careful with answer#2...your state could disqualify you for refusing to make use of income/assets available to the Medicaid recipient. And why not expect the person to do that rather than rely on public funding of their needs? I work on the other side of this issue, determining eligibility for the state.
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.
If it's in her own name, Medicaid will be interested in it.
I work in the legal department of a major insurance/annuity insurance company. The situation I often see is a POA calling us saying that their loved one will come off Medicaid and cause them to start over if the they accept the benefit. The three resolutions we end up seeing on our end is (and I'm not pushing or legally recommending anything - just relaying what often happens in these situations!) :
1. Accept the proceeds and deal with the potential Medicaid issues (and yes, talk to your state Medicaid agency as to exactly what would happen if you accept it.)
2. Disclaim the proceeds, which would then be paid to the remaining primary (if any) or the contingent beneficiary or the Estate of the owner/insured. I tend to see this more often when the POA may be the next beneficiary, or another close family member of the primary beneficiary. Or the family simply does not wish to deal with the Medicaid issue. You are not required to accept the proceeds. Medicaid will not force you to accept the proceeds.
3. The one I see the least, especially on a small benefit like this (it's not small to me, but compared to what I see at the office...) is to roll the proceeds over into a Medicaid compliant annuity, and name Medicaid as a beneficiary. I definitely see this often when there is a "community spouse". You will still need to work with Medicaid should this be a possible alternative.
Check with your local Medicaid office first - your decision will follow from your knowledge of the impact on her benefits.
Best wishes.