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Who are you caring for?
Which best describes their mobility?
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How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
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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.
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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Yes, they look at the marital assets of the couple. Now if, for instance, YOU have written a check to your darling grandson for his college education, and your husband did not agree with it or sign the check, but you insisted this was your 1/2 of marital assets to gift as you chose? I haven't a CLUE how that works.
In the case of a married couple I unfortunately for their pocketbook ALWAYS send them to an elder law attorney to speak about marital assets, division of assets and anything else that they need to know regarding applications for Medicaid.
It is so important that you get EXPERT advice to walk through this, because you are trying not only to have a good "lookback" of five years, but you are going to have to protect marital assets for yourself that you may need for your own aging care.
Do seek qualified help. A Forum of strangers is just that. We aren't experts at anything, and whatever our experience it is unique to us. When you need expert legal, financial or medical advice you must see an attorney, a CPA or an MD. Good luck.
If you are a married couple and it’s that 1 of you is medically “at need” for a NH and you are hoping that Medicaid will pay for this but you are totally ok on remaining in your home / apt and going on with your life, then you would be considered a “community spouse” aka a CS for LTC Medicaid, and it’s not at all straightforward filing and eligibility.
This situation is complicated. Imho it is never ever a DIY. It’s elder law work, especially an CELA level of attorney. There’s a segregation of income and assets that has to happen and done in a way that is not an issue for that future filed LTC Medicaid application. (Like new bank accounts to be opened). And each State administers its Medicaid programs uniquely, so what works for me in Louisiana probably not accurate for whatever State you’re in.
for examples: - if there is a CS, they can seek a waiver to have some of their NH spouses monthly (eg SSA retirement) income “waived” over to them rather than their NH spouse having it all paid to the NH as LTC Medicaid Share of Cost (less sm Personal Needs Allowance) requirement. This is called CRSA or MMNA and imo kinda like old school alimony paid to the CS to help them bolster their own income to cover their costs of living in the community. Like there is a mortgage, or a car note, or they have extraordinary drug or utilities costs which the CS’s SSA & other income alone can’t cover….. this CS very definitely has always needed their spouses income to make their household run, so this CS file for CSRA or MMNA. - Or the Couple has too much in savings over the 2K usual nonexempt asset max for a NH resident in your State and 130K in nonexempt assets your State allows a CS to retain…. so under atty advice, this CS liquidates all $ above 132K and puts it into a SPIA in CS name only that pays the CS as low as possible mo amount so that the CS income btween the SPIA $ and their regular SSA retirement income is still not quite enough to live in their community, so their atty files for CSRA.
The facility or Medicaid caseworker tend not to proffer info on stuff like this as it’s financial advice, which they are not supposed to give.
CS / NH can be a minefield. Not a DIY. You as the CS are not - again for those in the back - ARE NOT expected to become impoverished. Only the NH spouse has to be impoverished for LTC Medicaid.
Wow, so glad you're here to answer this one, and it is indeed so complicated. Expensive as they are there are times it just has to go to the Elder Law Attorney.
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.
Now if, for instance, YOU have written a check to your darling grandson for his college education, and your husband did not agree with it or sign the check, but you insisted this was your 1/2 of marital assets to gift as you chose?
I haven't a CLUE how that works.
In the case of a married couple I unfortunately for their pocketbook ALWAYS send them to an elder law attorney to speak about marital assets, division of assets and anything else that they need to know regarding applications for Medicaid.
It is so important that you get EXPERT advice to walk through this, because you are trying not only to have a good "lookback" of five years, but you are going to have to protect marital assets for yourself that you may need for your own aging care.
Do seek qualified help. A Forum of strangers is just that. We aren't experts at anything, and whatever our experience it is unique to us. When you need expert legal, financial or medical advice you must see an attorney, a CPA or an MD.
Good luck.
This situation is complicated. Imho it is never ever a DIY. It’s elder law work, especially an CELA level of attorney. There’s a segregation of income and assets that has to happen and done in a way that is not an issue for that future filed LTC Medicaid application. (Like new bank accounts to be opened). And each State administers its Medicaid programs uniquely, so what works for me in Louisiana probably not accurate for whatever State you’re in.
for examples:
- if there is a CS, they can seek a waiver to have some of their NH spouses monthly (eg SSA retirement) income “waived” over to them rather than their NH spouse having it all paid to the NH as LTC Medicaid Share of Cost (less sm Personal Needs Allowance) requirement. This is called CRSA or MMNA and imo kinda like old school alimony paid to the CS to help them bolster their own income to cover their costs of living in the community. Like there is a mortgage, or a car note, or they have extraordinary drug or utilities costs which the CS’s SSA & other income alone can’t cover….. this CS very definitely has always needed their spouses income to make their household run, so this CS file for CSRA or MMNA.
- Or the Couple has too much in savings over the 2K usual nonexempt asset max for a NH resident in your State and 130K in nonexempt assets your State allows a CS to retain…. so under atty advice, this CS liquidates all $ above 132K and puts it into a SPIA in CS name only that pays the CS as low as possible mo amount so that the CS income btween the SPIA $ and their regular SSA retirement income is still not quite enough to live in their community, so their atty files for CSRA.
The facility or Medicaid caseworker tend not to proffer info on stuff like this as it’s financial advice, which they are not supposed to give.
CS / NH can be a minefield. Not a DIY. You as the CS are not - again for those in the back - ARE NOT expected to become impoverished. Only the NH spouse has to be impoverished for LTC Medicaid.