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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.
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I am not a senior but am currently disabled and on Medicare and Medicaid insurances. If I start working again and enroll in a regular health and dental insurance plan, will I be hit with a pre-existing condition clause?
Will you still have the disability when working? Or will you be considered "cured or healed"?
I guess it would depend if you are free of your disability when you go back to work.
If you would still have a permanent disability then it would depend on the insurance carrier.
Pre-existing disabilities were thrown out and everyone is accepted into any insurance during the Obama years. But, Obamacare is on its way out and Trumpcare may have new rules and regulations.
Find out who the health insurance company is of your prospective employer and ask them this question BEFORE you take the job.
Can I hold a mortgage on a property / home sale that I own now and still stay on my Florida Medicaid (I have been on Medicaid for 17 years.) I will by a new home within 3 months and spend most the down-payment, so SSI Disability is good with it.
I'm just afraid I'll lose my Florida Medicaid benefits.
Stehle, I was under the assumption a person had to be "poverty level" to get on Medicaid.
In California the limit for a single person to earn is $1,300./month GROSS (not "net" or take home) and for a married couple $1800./month gross. Barely livable here.
As I'm comprehending your situation, your income is Social Security Disability. You own a home but want to buy another one? Will you sell the first home and live in the new home?
You'll spend all your reserve money on the down payment for the new one. Right?
In California, only your income is counted, as far as I know. I don't know about Florida. I would think as long as you don't have 2 homes and get money (income) be renting one, you should be OK.
But PLEASE call the Medicaid Office to find out for sure. As long as your SSI Disability payment hasn't gone up, I would think you'd be OK but do check before you buy.
Check with the Florida Medicaid office or with your Medicaid county caseworker. Medicaid is administered by each state and they all have different rules.
Okay. I appreciate the thought processes here. A little more information may be necessary. I have been disabled since 2000 - 2001. I do collect SSI Disability income. ($750 per month) and also currently receive Florida Medicaid's health insurance and have done so for the past 17 years. I have no other income and about $40 in bank account.
(Comas, bacterial meningitis, strokes, spinal surgeries, one side completely closed on the carotid artery... etc, etc... can do that to you, but I digress. Needless to say I'm "still breathing" and the brain comprehends very quickly.)
I list those health issues above only to demonstrate the availability of "pre-existing" conditions" that 'private' insurance will look at .
My residence now (That I currently reside in.), is on a farm (acreage); which I can no longer maintain. Up keep, maintenance and this Florida heat are the primary reasons for the sale.
I have found a quaint, but much smaller home for my ex-wife and I in this neighborhood (familiar area) that I will purchase. I am 2 years shy of Social Security eligibility should I choose that option.
The buyer may lack the financing, but I like their family and would like to see my life's work carried on. Ergo holding a note for the buyer. [See Original Medicaid question above.]
(Sue & Becky I thank you so VERY much for your time and input. I will try to do that.) :-) [Sue the answers to your questions are yes, yes & yes.]
As you may or may not understand I have never played well with government entities. I will explain... numbness in face from meningitis, stroke & artery issue make speech for me difficult. Phone conversations are not recommended unless you can interpret the sounds I utter. Face to face is better, but you can only stand "What did he / you say?" so many times in a conversation. Writing is out too, just a meaningless scrawl.
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 guess it would depend if you are free of your disability when you go back to work.
If you would still have a permanent disability then it would depend on the insurance carrier.
Pre-existing disabilities were thrown out and everyone is accepted into any insurance during the Obama years. But, Obamacare is on its way out and Trumpcare may have new rules and regulations.
Find out who the health insurance company is of your prospective employer and ask them this question BEFORE you take the job.
I'm just afraid I'll lose my Florida Medicaid benefits.
Advice?
(Perhaps this the wrong topic for my question and I'm sorry, but one sees how distraught the disabled can be.)
Again, I apologize if it is.
I was under the assumption a person had to be "poverty level" to get on Medicaid.
In California the limit for a single person to earn is $1,300./month GROSS (not "net" or take home) and for a married couple $1800./month gross. Barely livable here.
As I'm comprehending your situation, your income is Social Security Disability.
You own a home but want to buy another one? Will you sell the first home and live in the new home?
You'll spend all your reserve money on the down payment for the new one. Right?
In California, only your income is counted, as far as I know. I don't know about Florida.
I would think as long as you don't have 2 homes and get money (income) be renting one, you should be OK.
But PLEASE call the Medicaid Office to find out for sure.
As long as your SSI Disability payment hasn't gone up, I would think you'd be OK but do check before you buy.
(Comas, bacterial meningitis, strokes, spinal surgeries, one side completely closed on the carotid artery... etc, etc... can do that to you, but I digress. Needless to say I'm "still breathing" and the brain comprehends very quickly.)
I list those health issues above only to demonstrate the availability of "pre-existing" conditions" that 'private' insurance will look at .
My residence now (That I currently reside in.), is on a farm (acreage); which I can no longer maintain. Up keep, maintenance and this Florida heat are the primary reasons for the sale.
I have found a quaint, but much smaller home for my ex-wife and I in this neighborhood (familiar area) that I will purchase. I am 2 years shy of Social Security eligibility should I choose that option.
The buyer may lack the financing, but I like their family and would like to see my life's work carried on. Ergo holding a note for the buyer. [See Original Medicaid question above.]
(Sue & Becky I thank you so VERY much for your time and input. I will try to do that.) :-)
[Sue the answers to your questions are yes, yes & yes.]
As you may or may not understand I have never played well with government entities. I will explain... numbness in face from meningitis, stroke & artery issue make speech for me difficult. Phone conversations are not recommended unless you can interpret the sounds I utter. Face to face is better, but you can only stand "What did he / you say?" so many times in a conversation. Writing is out too, just a meaningless scrawl.
Anymore advice?
[Two hours to type this.]