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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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Vaugh, I see by your profile that your Mother is living in a nursing home. Is Mom self-pay or is Medicaid paying for all of her care?
If yes, then Medicaid usually places a lien on the house. Therefore, when the house is sold, the equity will go to Medicaid for reimbursement of Mom's care. If there is any equity left over, then the heirs will receive that money.
There are some exceptions, you would need to check with the State Medicaid office. Remember, Medicaid is different from Medicare.
Medicaid rules apply ahead of the will. If there were a mortgage on the house, it would have to be paid before any remaining equity could be distributed to heirs. Think of a Medicaid debt in the same way. (This assumes that Medicaid has provided benefits.)
Also please please keep in mind that once a widowed mom goes onto Medicaid or is "medicaid Pending", she is required to have her monthly income (like her SS) be paid to the facility as the SOC (share of cost). So someone in the family will need to pay all costs on her home. Taxes, insurance, upkeep, etc. Now mom could live 6 mos or 6 years, but whatever the period of time, property costs must be paid. Loosing a house to tax sale happens all the time......
Estate recovery (merp) has all sorts of exemptions & exclusions. But each heir - as per a valid will - must qualify for their own in order for them to be placed. And heir / family will need to provide to the state whatever detailed documentation needed for exemption or exclusion. Whether its a lein or a claim that is placed & when will be very dependent on your states laws for property. If family opens probate, then probate law for claims against the estate matter. There isn't one single answer. It's something to discuss with an atty.
As an aside regarding estate recovery .....Mortgages and MERP (estate recovery process w/medicaid lien or claim) are similar in that they both are "debts". BUT are very different in that a mortgage (or HELOC or Reverse Mortgage) is SECURED debt with property as collateral for the debt. Car loans are secured debt. Secured creditors have ability to seize property (as in house foreclosure or car repo).
Medicaid is an UNSECURED creditor. Credit cards also unsecured. Just how UNSECURED creditors can deal with the debt / amount owed is very much interdependent on your states laws. Like some states allow for credit card or other unsecured creditors to put a lien or judgement on your home. But other states have laws more in the favor of property owners (like TX & FL) that do NOT allow leins or judgements from unsecured creditors to be placed on a home. So for these states my understanding is that a medicaid lien cannot be placed on the property while they are alive. States that tend to be more pro property rights also tend to take the same view towards heirship & probate. If heirs have a valid will and open probate then probate law is followed for how creditors are dealt with & estate distributed. Like for TX its a level of claim by class state for probate with merp as a class 7 claim. Credit cards are class 8. Class 1 - 6 are dealt with foremost before any 7's. (8's are credit cards). Creditors have to enter a claim (& respond to executor) as per probate rules for your state otherwise they could be time barred. I've found that an estate with very modest value home with no other estate assets & the usual probate costs, executor expenses & property management costs could well not have value of estate to pay beyond Class 1- 4 at best. No recovery.
This is what I was told in NJ. My Mom's house is for sale. I need to get "market value" for the house. If it sells, Medicaid will stop paying for Mom's care and I will then have to spend down again. If Mom passes and the house hasn't sold, a lean will be placed against the house which will need to be honored at time of sale. I was told wills are null and void at the time Medicaid starts paying for a person's care. Like said, no bills or taxes can be taken from Mom's money for upkeep of her home. And no guarentee that if u put the money out u can get it back.
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 yes, then Medicaid usually places a lien on the house. Therefore, when the house is sold, the equity will go to Medicaid for reimbursement of Mom's care. If there is any equity left over, then the heirs will receive that money.
There are some exceptions, you would need to check with the State Medicaid office. Remember, Medicaid is different from Medicare.
Estate recovery (merp) has all sorts of exemptions & exclusions. But each heir - as per a valid will - must qualify for their own in order for them to be placed. And heir / family will need to provide to the state whatever detailed documentation needed for exemption or exclusion. Whether its a lein or a claim that is placed & when will be very dependent on your states laws for property. If family opens probate, then probate law for claims against the estate matter. There isn't one single answer. It's something to discuss with an atty.
Medicaid is an UNSECURED creditor. Credit cards also unsecured. Just how UNSECURED creditors can deal with the debt / amount owed is very much interdependent on your states laws. Like some states allow for credit card or other unsecured creditors to put a lien or judgement on your home. But other states have laws more in the favor of property owners (like TX & FL) that do NOT allow leins or judgements from unsecured creditors to be placed on a home. So for these states my understanding is that a medicaid lien cannot be placed on the property while they are alive. States that tend to be more pro property rights also tend to take the same view towards heirship & probate. If heirs have a valid will and open probate then probate law is followed for how creditors are dealt with & estate distributed. Like for TX its a level of claim by class state for probate with merp as a class 7 claim. Credit cards are class 8. Class 1 - 6 are dealt with foremost before any 7's. (8's are credit cards). Creditors have to enter a claim (& respond to executor) as per probate rules for your state otherwise they could be time barred. I've found that an estate with very modest value home with no other estate assets & the usual probate costs, executor expenses & property management costs could well not have value of estate to pay beyond Class 1- 4 at best. No recovery.