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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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Joanne's Give a Hug is correct if you are dealing with a couple. It is called Spousal Impoverishment and this allows the person who is not entering a nursing home to still have a home and money to live on. Everyone needs to be aware of how Medicaid works in their state. It is one of the things that we do not pay attention to until we are in crisis mode. My personal opinion is that no one other than Bill Gates will be able to pay for long-term care out-of-pocket. The cost of care is continuing to rise.
Even those "rules" vary a great deal by State. I just went through a long training process here in Colorado...and the rules here are not that same as you described.
Federal law concerning Medicaid leave a lot of room for each state to "administer" the program,
And if there is a spouse, there are different rules, which most people seem to not know on these blog sites. The assets are divided in two....or some prearranged portion there of. My Mom was alloted the house and car and certain assets, IRA of hers, annuity and life insurance policies. BUT my dad had to be removed as beneficiary and that changed to me, as the next only living relative. Dad's name had to be removed from the titles on house and car....not a real problem because it was all in trust, but then the trust had to be redone, in Mom's name only, and a specific piece of paper put into the trust acknowledging that even though she was married to my Dad, he was not to be a beneficiary to any of the assets in the trust. THAT was a hard thing to read and for her to sign her name on!! Then, on my Dad's half or thereof of the assigned monetary assets, there was a stipulated spend down that we had to go through, to get him down to where he had less than $2000 in his checkbook at any one time, and no other assets. He was in Memory Care, which is not same as nursing home, but more under licensure of Assisted Living in AZ, so he was allowed his SS check and retirement income, which came to $1600/mo. Out of that, he had to pay $200/mo towards his Memory Care fees and Medicaid paid the rest. He had to keep on paying his Medicare supplement insurance, because it covered my Mom as well as him and she preferred dealing with doctors and pharmacies and systems that she knew. So that monthly cost came out of his income. And all his personal care....haircuts, nail care, shave lotion, depends, and all over the counter meds ordered by doctor. None of that amounted to much, but we kept it all going through his own separate checking account, in case they wanted to audit it ever. I was POA for both of them and involved in the Medicaid application process with his law office staff. As far as I know, once he was approved, no one ever asked to see his checkbook. They did have to come meet with him, me, Mom, and Memory Care staff every three months to certify that he medically needed to be on Medicaid and in Memory Care. All they ever asked me about money was had any of his income or assets changed. When he died, right away we got a letter from them about the lien they had on the house, but as long as Mom lived there, it was her property and they could do nothing. The lawyer handled that. In the end, she quit claimed the house to me, so that I could handle selling it, and the money went into a money market for us to be able to pay her Assisted Living fees. We knew that by doing that she would be denied Medicaid benefits for 5 years because she gifted the house to me. But she was 90 and in much more poor health than Dad was. I just made sure that the house would sell for enough money to cover that cost for 5 years, and if she lasted that long, and we were short, then we know family has to either take her in at that point or pay the fees for Memory Care, which is where she'll be soon, with her own Alzheimer's. So we sit and wait, but we've never heard from Medicaid about all that, except for the denial of coverage right at the moment. We are also trying to get her VA Aid and Attendance to help cover A.L., because Dad was a WWII vet and she is entitled to a monthly benefit based on that. Still waiting for that.
Every state is different. We live in Florida which is a "homestead" state. My mom was on Medicaid and when she passed away, the house went to me (her only child). Best wishes.
I am POA for my sister In a nursing home in Kinston NC. I live in Austin TX and it has become very difficult to perform personal responsibilities for her due to distance separation. How is it possible to transfer POA to a family member in Baltimore who is able to give more personal assistant for her?
But please check on the house. Every state is different. Texas Medicaid will take their money out if the house at some point. Also elderly medicaid is different. In new york if you meet certain income requirements, own a home and have children you usually have no trouble with you home, but elderly rules are different. Please check you state office or go online. Or ask a social worker at a local hospital or your loved ones doctors office.
A person can have up to $2,000 in countable assets, which includes cash in the bank. Non-countable would be personal property, one house where they have been living, one car, jewelry, etc.
I agree with the pervios poster. My father in law has had medicaid in both Texas and New York. You cant own anything and you can only have very very little money. In some states, like Texas you can get it with a house, but when the person passes Medicaid can get thier part once the house sells. He doesnt have anything anywhere so he has been able to have Medicaid for a few years now.
Each state administers Medicaid uniquely but within an overall federal guidelines. My understand is that the type of Medicaid, like whether it's to get your mom assistance in community based Medicaid (like in home or a PACE program) OR into a NH will make difference as to the maximum amount of exempt and non-exempt assets allowed. So you need to clearly find out from moms state the specifics for the exact program she is seeking.
In general for NH Medicaid, all an individuals (so their a widow or widower) monthly income (max allow set by state) must be paid to the NH as their required SOC (share of cost) less a very small personal needs allowance AND their non exempt assets no more than 2K. NH Medicaid truly requires they are basically impoverished.
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.
Even those "rules" vary a great deal by State. I just went through a long training process here in Colorado...and the rules here are not that same as you described.
Federal law concerning Medicaid leave a lot of room for each state to "administer" the program,
Best wishes.
My understand is that the type of Medicaid, like whether it's to get your mom assistance in community based Medicaid (like in home or a PACE program) OR into a NH will make difference as to the maximum amount of exempt and non-exempt assets allowed. So you need to clearly find out from moms state the specifics for the exact program she is seeking.
In general for NH Medicaid, all an individuals (so their a widow or widower) monthly income (max allow set by state) must be paid to the NH as their required SOC (share of cost) less a very small personal needs allowance AND their non exempt assets no more than 2K.
NH Medicaid truly requires they are basically impoverished.