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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.
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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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Reinbursement to family for "loans" will be pretty sticky to deal with for Medicaid, as any payments from you to family will look like "gifting". You would need to have some sort of very clear memo of understanding or even a promissory note btw you and every family member as to the loan and structure of repayment and have the document notarized. This document along with all the supporting receipts for work, materials, etc would need to be included in the Medicaid application. Now how it get reviewed and determined if OK is going to be totally dependent on your caseworker and more than likely will go to a level above them to evaluate.
If Medicaid decides that it's "gifting", there will be transfer penalty placed based on the amount of $ you paid family. You will have to get an elder law attorney to deal with the transfer penalty appeal.
If you have family who have a legit & registered construction/renovation business and they do the work on the property, they could place a workman's lien on the house which would have to be repaid in order for the house to sell; and this gets repaid at act of sale so the lien is "lifted".
Realize that when you sell your home, the amount it sells for is a recorded amount (& to the penny) and all that $ will be considered an asset and will make you ineligible for Medicaid till you have spent-down the $ on yourself and your care till you are basically impoverished (2K in non-exempt assets and within whatever your state has as it's income maximum & most are $ 2,100 a mo).
What Pam has written is pretty important, please re-read her post.
Its probably better to sell the home BEFORE ever applying for Medicaid for the reasons she mentioned. Realize that by doing this it allows you to determine the spend-down with the $ from the house sale. By doing this BEFORE Medicaid, you could spend on getting dental work done, buy a preneed funeral policy, get duplicate pair of eyeglasses and hearing aids, extra clothing that work better for a NH environment and also private pay for your NH stay. If you sell the home after you are already on NH Medicaid, the $ is going to need to private pay for the NH first & foremost and the state could require that you repay whatever $$$ the state Medicaid program has paid to date for your care from the proceeds of the house.
Spending time & $ on a house that will involve Medicaid - other than the required like taxes, insurance, critical maintenance - is probably not the best use of $ if you or your family have limited funds.
Selling the house: very difficult with a Medicaid lien on the property. The seller's attorney has to negotiate with Medicaid to clear the title.. Then when the proceeds come in, Medicaid stops because the patient has money to spend down. Why not sell it as is ?
About getting an appraisal like FF suggested, if it's looking like the house will sell for significantly below the tax assessor value this could be a red-flag for medicaid. If so, you really REALLY need to have an appraisal done that legally establishes just why the how sold legitimately for under tax assessor value.
If you are selling the house FSBO or selling to family, selling below tax assessor value will be a problem and could generate a transfer penalty inquiry by medicaid unless you have the appraisal done and the price paid is at or close to the appraisal value.
Sometime to get an accurate value you first get an inspection done and then that report goes to the appraiser who does their evaluation. If there are significant foundation issues, you may need to get a residential structural engineers report as well. I did all 3 to get value for my mom's house for probate. The reports will need to be done by licensed and certified state registered professionals, usually they have a seal on the report. Realtor comps probably will not work as they aren't considered "legal" & specific to the property.
When you write "mcd" do you mean Medicaid? When you apply to Medicaid they will use a 5-year look back on finances. If they see you own a house, then Medicaid can place a lien on said house. Thus when the house is sold Medicaid gets paid first, and if there is any equity left over, then whomever is named in the Will will get what is left.
Pam had a good idea of selling the house "as is". Get a licensed Appraiser to give you a value on the house and list the house close to that value. That is what I did with my Dad's house. His house was in basically good shape, it was just he and Mom never felt the need to remodel the bathrooms nor the kitchen as it worked just fine for them. The roof was fairly new, so that was good. We got a very reasonable price. The new owner remodels houses while living in them.
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 Medicaid decides that it's "gifting", there will be transfer penalty placed based on the amount of $ you paid family. You will have to get an elder law attorney to deal with the transfer penalty appeal.
If you have family who have a legit & registered construction/renovation business and they do the work on the property, they could place a workman's lien on the house which would have to be repaid in order for the house to sell; and this gets repaid at act of sale so the lien is "lifted".
Realize that when you sell your home, the amount it sells for is a recorded amount (& to the penny) and all that $ will be considered an asset and will make you ineligible for Medicaid till you have spent-down the $ on yourself and your care till you are basically impoverished (2K in non-exempt assets and within whatever your state has as it's income maximum & most are $ 2,100 a mo).
Its probably better to sell the home BEFORE ever applying for Medicaid for the reasons she mentioned. Realize that by doing this it allows you to determine the spend-down with the $ from the house sale. By doing this BEFORE Medicaid, you could spend on getting dental work done, buy a preneed funeral policy, get duplicate pair of eyeglasses and hearing aids, extra clothing that work better for a NH environment and also private pay for your NH stay. If you sell the home after you are already on NH Medicaid, the $ is going to need to private pay for the NH first & foremost and the state could require that you repay whatever $$$ the state Medicaid program has paid to date for your care from the proceeds of the house.
Spending time & $ on a house that will involve Medicaid - other than the required like taxes, insurance, critical maintenance - is probably not the best use of $ if you or your family have limited funds.
If you are selling the house FSBO or selling to family, selling below tax assessor value will be a problem and could generate a transfer penalty inquiry by medicaid unless you have the appraisal done and the price paid is at or close to the appraisal value.
Sometime to get an accurate value you first get an inspection done and then that report goes to the appraiser who does their evaluation. If there are significant foundation issues, you may need to get a residential structural engineers report as well. I did all 3 to get value for my mom's house for probate. The reports will need to be done by licensed and certified state registered professionals, usually they have a seal on the report. Realtor comps probably will not work as they aren't considered "legal" & specific to the property.