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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
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I am with Tacy, what 2000. Medicaid is based on what the person has in assets. You spend down what assets they have for their care to the amount allowed, which is 2k in my state. So all you have left is your SS and maybe a pension. Those are turned over to the NH and Medicaid pays the balance. Family members are not required to pay anything towards the LOs care. Now what Medicaid pays and what a private pay person would pay is not the same. But the NH has to except what Medicaid pays them. If Mom has no money, she can't pay it.
As Igloo says, if Mom is over the maximum income Medicaid allows, lets say they allow 2100 with SS and pension but Mom brings in 2200. As igloo said, a Miller trust can be set up and the 100 goes into that each month. Upon death, the trust reverts back to Medicaid.
Are you paying 2000 out of your own pocket? If so, I would think this effects your income not Moms. Is this a penalty because of a large amount of money going out of Moms account within the 5 yr lookback? Really, there is a reason why u are paying this. My Mom still owned a home, but had no money and I paid nothing out of my pocket for her care.
Talk to your tax preparer. Mine has a CPA who knows the in and outs. Me, if its coming out of your income you put it on your taxes.
I would also check out if Mom needs to file income taxes. My Mom and MIL both received letters from IRS stating they no longer needed to pay income taxes. Because, the majority of their income was SS. The pensions they received only amounted to 2400 and 4800 a year that was considered income. They fell far below income level needed to pay taxes on SS.
Carol, so you’re wanting to claim dependency for last year (2018) when she was still living with you &/or you were laying her care costs? Look at Tacys answer as to how to determine if the criteria met. Also you might want to use a tax pro as the new tax system seems daunting.
I too am confused, if she is on LTC Medicaid my understanding is that all her monthly income becomes her copay or SOC (share of cost) to the NH less the $60 TX personal needs allowance. Is it that her monthly income is over TX limit (I think it’s $2150 a mo now), and it’s over by 2k? Is that it? If so, for her to have gotten onto LTC Medicaid my understanding is that she would have need to have set up a Miller Trust to get paid whatever sources of income easiest to place into a Miller to get her income under the $2150. Sometimes if they have a income that’s “squishy”, like it’s something that is not a “fully guaranteed retirement resource” like some business or smaller corporate pension, it can’t go into a Miller, cause it fluctuates as to what you’ll get paid based on corporate earnings. This is unlike SS or federal civil service annuitant pensions which are set in stone and you know to the penny what next years $ will be paid. So for these situations, the SS & fed $ go into the Miller - and take her under the $2150 max - which in turn pays the NH from the Miller, but the other squishy retirement $ gets paid to the NH as well but amount fluctuates. If she’s doing a Miller, the atty should have clearly explained how this has to work for Medicaids strict rules.
perchance is part of her $ RRRB?
Once she moved onto Medicaid and into a Medicaid bed in a NH she’s totally out of being claimed as a dependent. So anything personal you buy for her is done out of a sense of familial duty. Remember she does get that $6O a mo personal needs allowance. If NH is getting her SS$ and putting the PNA into a Trust account for her (like to pay the on site beauty shoppe), you do want to make sure it and any other bank accounts she has combined never ever exceeds 2k.
You can’t claim her as a dependent because she isnt your dependent, she doesn’t live with you. You may be able to deduct the expenses depending on her income and whether or not she has to file a tax return. Your tax accountant should be able to tell you what you can deduct.
*clarification-when you file your taxes, you may be able to deduct some of her expenses that you are personally paying for. But you cannot claim her as a dependent.
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.
As Igloo says, if Mom is over the maximum income Medicaid allows, lets say they allow 2100 with SS and pension but Mom brings in 2200. As igloo said, a Miller trust can be set up and the 100 goes into that each month. Upon death, the trust reverts back to Medicaid.
Are you paying 2000 out of your own pocket? If so, I would think this effects your income not Moms. Is this a penalty because of a large amount of money going out of Moms account within the 5 yr lookback?
Really, there is a reason why u are paying this. My Mom still owned a home, but had no money and I paid nothing out of my pocket for her care.
Talk to your tax preparer. Mine has a CPA who knows the in and outs. Me, if its coming out of your income you put it on your taxes.
I would also check out if Mom needs to file income taxes. My Mom and MIL both received letters from IRS stating they no longer needed to pay income taxes. Because, the majority of their income was SS. The pensions they received only amounted to 2400 and 4800 a year that was considered income. They fell far below income level needed to pay taxes on SS.
I too am confused, if she is on LTC Medicaid my understanding is that all her monthly income becomes her copay or SOC (share of cost) to the NH less the $60 TX personal needs allowance. Is it that her monthly income is over TX limit (I think it’s $2150 a mo now), and it’s over by 2k? Is that it? If so, for her to have gotten onto LTC Medicaid my understanding is that she would have need to have set up a Miller Trust to get paid whatever sources of income easiest to place into a Miller to get her income under the $2150. Sometimes if they have a income that’s “squishy”, like it’s something that is not a “fully guaranteed retirement resource” like some business or smaller corporate pension, it can’t go into a Miller, cause it fluctuates as to what you’ll get paid based on corporate earnings. This is unlike SS or federal civil service annuitant pensions which are set in stone and you know to the penny what next years $ will be paid. So for these situations, the SS & fed $ go into the Miller - and take her under the $2150 max - which in turn pays the NH from the Miller, but the other squishy retirement $ gets paid to the NH as well but amount fluctuates. If she’s doing a Miller, the atty should have clearly explained how this has to work for Medicaids strict rules.
perchance is part of her $ RRRB?
Once she moved onto Medicaid and into a Medicaid bed in a NH she’s totally out of being claimed as a dependent. So anything personal you buy for her is done out of a sense of familial duty. Remember she does get that $6O a mo personal needs allowance. If NH is getting her SS$ and putting the PNA into a Trust account for her (like to pay the on site beauty shoppe), you do want to make sure it and any other bank accounts she has combined never ever exceeds 2k.
Just curious, what expenses are you paying? Keeping up a house?