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:
Term policy is owned by the patient. Whole life policy is owned by the community spouse. Upon death of the institutionalized spouse, the beneficiary of both policies is the CS.
Houseplant - NH medicaid for an individual although with oodles of paperwork is pretty straightforward......they gotta be impoverished.
But for CS situations it's a lot more complex & really IMHO is not ever a DIY project that needs a good NAELA level atty to be able to provide options to maximize the CS situations that work for however Medicaid compliance is done in your state. Little things like having 2 cars -which most couples do - is a disqualifier for Medicaid....it's stuff like this that makes you loco with an application. Plus your focus is on the day to day care & interaction with your at- need spouse. You need good legal to work with you to maximize your situation. Good luck!
I think my spouse needs to get GA Medicaid qualified. Medicaid questions the life policies, but no definitive answer. Both are relatively small policies but definitely above the limits. Initial application, denial, reapplication and probably appeal forces cs to use assets that are supposed to be protected. If life policies are eliminated the cs is essentially denied spousal protections that are within the asset limits. It's good to know a life estate is not an option in GA. 2 neighbors have the life estates arrangement. One family arrangement has been many years, the other less than 8 years. Are both families in for a big surprise?
Georgia allows the CS (community spouse) $119,220 in assets and a monthly allowance of $2980. Most spouses can get by on that. Bear in mind that MERP will not attempt to move the CS out of their home. That home is hands off until the CS dies. Do NOT put the home in a "life estate" because Georgia no longer exempts life estates. They will go after assets even if they are not part of the probate process. This could affect the term policy owned by the patient, but not any policy owned by the CS. For example, my sister is on Medicaid/SSDI. She has life insurance, with a cash value around 3K, but my father put me as the owner and beneficiary, so it does not affect my sister's benefits.
Life insurance is paid to whomever is denoted to be the beneficiary; could be their spouse, their grandkids or could be their estate. The owner of the policy can change the beneficary is they want to btw. Upon the owners death, beneficiary files for it with the insurance comany & will need to provide an original death certificate. Some companies - John Hancock - have an on-line portal to do these. Some companies will only do payout as a direct deposit to a bank account, so the beneficiary will need to provide a cancelled check from their bank account for the policy proceeds to go into.
Is your spouse on Medicaid? Or will be needing to apply for Medicaid in the future? If so, a whole life owned by Medicaid recipient will be an issue. Insurance that builds up a cash value (reserve) - which whole life ones do - will need to be cashed out with the $ used a part of their spend down. I don't know if the cash value of a whole owned by a CS is used in the asset limit allowed for a CS (about 114k in most states), thats an elder law question.
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.
But for CS situations it's a lot more complex & really IMHO is not ever a DIY project that needs a good NAELA level atty to be able to provide options to maximize the CS situations that work for however Medicaid compliance is done in your state. Little things like having 2 cars -which most couples do - is a disqualifier for Medicaid....it's stuff like this that makes you loco with an application. Plus your focus is on the day to day care & interaction with your at- need spouse. You need good legal to work with you to maximize your situation. Good luck!
Is your spouse on Medicaid? Or will be needing to apply for Medicaid in the future? If so, a whole life owned by Medicaid recipient will be an issue. Insurance that builds up a cash value (reserve) - which whole life ones do - will need to be cashed out with the $ used a part of their spend down. I don't know if the cash value of a whole owned by a CS is used in the asset limit allowed for a CS (about 114k in most states), thats an elder law question.