Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
You wrote "My mom does can not get medicad because she has her house and another house that my sister lives in. We would need to sell both houses to get medicad. She has no money and gets no money for these houses but they are her assets."
As rsrobbins pointed out, you almost never need to sell a parent's home to get them onto Medicaid. Under federal law it is an exempt resource (there are few states that limit the exemption to 6 mos after the parent/owner is in the nursing home, assuming there's no spouse living in it).
As for the second home, if it is rented out at fair market value, many states will exclude the rental house as "income-producing property." But some states limit that exclusion to only $6,000, so assuming the house is worth more than that, this won't do you much good. As you can see, you need to check with a local elder law attorney to find out how your state treats this situation. However, if your sister is NOT paying any rent to live there, then indeed you will have to sell that 2d house and do something else with the money to protect those funds. I discuss many options of how to protect extra funds in my book, so check it out!
You have a good point but most people want to do as their parents did and leave money for our children but at this point in time that will no longer be possible and our way of thinking will have to change with the times-but it is very unfair to the spouse who does not go into the nursing home-I am very frugal ok others say tight but I do not know how I would have managed if my husband did go on medicaide I would have had trouble making ends meet he died just before the application was made out.
Isn't that we are saving for -- to pay for care in our old age? It would be nice to leave assets to family, but what ever happened to being honest and paying for services we need -- until we truly are broke and needy.
I'm a little confused about the ownership of the CD. If the money that was used to purchase the CD was your mother's, and her name was never on it, then at the time it was purchased she was making a gift to you. If both her name and your name are on it, then it is a joint account. The Medicaid rule regarding joint accounts is as follows: There is a presumption that the entire account is owned by the Medicaid applicant, except to the extent that you can prove that the co-owner contributed any funds to the amount used to purchase the CD.
So the initial question is, whose money is in the CD? If indeed it is all your mother's money, and her name is still on the title, then it will be counted as HER money for Medicaid purposes (regardless of whose tax i.d. number is used). At that point, you need to figure out how to spend down the funds so she can quickly qualify. That's a whole other discussion!
If her name was never on the CD and it was therefore a gift, then whether it will count against her for Medicaid purposes depends on the date the CD was purchased. If it was done before Feb. 8, 2006, then it is out of reach for Medicaid purposes and you're home free. If it was after that date, then it can be counted against her for a period of 5 years. The state will figure her penalty period starting on the date she applies for Medicaid.
So before I go any further, let me know which situation applies.
I know about these things since I advised clients about Medicaid planning as an elder law attorney for 25 years. See my bio for the book I authored on this very topic! Thanks.
My mom does can not get medicad because she has her house and another house that my sister lives in. We would need to sell both houses to get medicad. She has no money and gets no money for these houses but they are her assets. I would cash in the CD and use that money to pay till it is gone than medicad will take over. We would have to do that with the houses. They will take her at the home while the house's are forsale pending the sale. Good luck . I know it sucks.
Medicare is not MEDICAID. Medicare is hospitalization insurance (Part A), however, Medicaid is among other things a "needs based" medical assistance program that pays for your stay in a nursing home, if your assets and income are below a certain level. Medicaid also pays for your prescriptions, usually three a month in most states. They are two very different programs. Medicare is based on your age and work earning history and a paid premium, while the other is based on your meeting income and asset levels. It is easy to become confused by the two terms, but they totally different and should not be used interchangeably.
The hard part is that states are looking for money, so if there is any question you will have to prove its NOT theirs. I read an article in our local paper today about families "hiding" assets in order for a loved one to qualify for medicare. I think that between the economy and the big ruckus about who will pay for healthcare the days of being able to protect assets are numbered.
Kind of sad when you consider how expensive it is and how hard we all work
If your tax ID is used, then you pay the taxes on it which sounds to me like you own the CD. When this CD was created, did you sign it or did she just put your name down with your tax ID. I say this because my mother in law did this to my wife in order to avoid paying a lot of taxes. My wife never saw the CD nor sign the CD. Her mother forged her name on it.
Yup, an IRREVOCABLE prepaid funeral, and I believe a car. Don't know how the car gets in there, you'd have to check it out with your own state's medicaid dept. Other than that, any assets given away within 5 yrs of application are theirs and the gov't expects them to spend it all before they are eligible for medicaid. It sucks.
If it has been in your name less than 5 years it has to be cashed in for her care to be able for her to get medicaide you may get her into a nursing home with medicaide pending and the social worker will have to do the application you can give them any documation you can supply but do not let them make you do it -it is daunting to say the least and she can use money from the CD or any other money she has to prepay her funeral-after she spends down she will get medicaide and the nursing home will get it done very fast because they want to get her money including social security and pensions insurance-if she gave you any assests longer than 5 years ago they are safe from the nursing home-everyone needs to get these things done when they are younger because you never know when your health will get bad,
If her name is on it, it is considered her asset. Joint does not preclude being counted by Medicare. It will be difficult, if not impossible to convince Medicare to ignore it.
Sorry to hear your trouble, but now that the economy is down States are really cracking down on people trying to shield money and qualify for Medicare.
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.
You wrote "My mom does can not get medicad because she has her house and another house that my sister lives in. We would need to sell both houses to get medicad. She has no money and gets no money for these houses but they are her assets."
As rsrobbins pointed out, you almost never need to sell a parent's home to get them onto Medicaid. Under federal law it is an exempt resource (there are few states that limit the exemption to 6 mos after the parent/owner is in the nursing home, assuming there's no spouse living in it).
As for the second home, if it is rented out at fair market value, many states will exclude the rental house as "income-producing property." But some states limit that exclusion to only $6,000, so assuming the house is worth more than that, this won't do you much good. As you can see, you need to check with a local elder law attorney to find out how your state treats this situation. However, if your sister is NOT paying any rent to live there, then indeed you will have to sell that 2d house and do something else with the money to protect those funds. I discuss many options of how to protect extra funds in my book, so check it out!
I am, of course, unfamiliar with the particulars, but your mom owning her home should not be an impediment to Medicaid qualification.
And, if your sister pays fair market rent in an arms length transaction, ownership of that home should not be an impediment either.
So the initial question is, whose money is in the CD? If indeed it is all your mother's money, and her name is still on the title, then it will be counted as HER money for Medicaid purposes (regardless of whose tax i.d. number is used). At that point, you need to figure out how to spend down the funds so she can quickly qualify. That's a whole other discussion!
If her name was never on the CD and it was therefore a gift, then whether it will count against her for Medicaid purposes depends on the date the CD was purchased. If it was done before Feb. 8, 2006, then it is out of reach for Medicaid purposes and you're home free. If it was after that date, then it can be counted against her for a period of 5 years. The state will figure her penalty period starting on the date she applies for Medicaid.
So before I go any further, let me know which situation applies.
I know about these things since I advised clients about Medicaid planning as an elder law attorney for 25 years. See my bio for the book I authored on this very topic! Thanks.
Kind of sad when you consider how expensive it is and how hard we all work
Sorry to hear your trouble, but now that the economy is down States are really cracking down on people trying to shield money and qualify for Medicare.